Latest / The Table with Anthony ONeal / The Exact Investing Plan for 2026: Even If You're Starting From $0

Transcript

The Exact Investing Plan for 2026: Even If You're Starting From $0 · The Table with Anthony ONeal

0:00
[SPEAKER_01]: All right, brother, welcome back, man.
0:02
[SPEAKER_01]: Yo, yo, thanks for having me.
0:03
[SPEAKER_01]: Always a pleasure.
0:04
[SPEAKER_01]: Yes, sir, it's 2026.
0:05
[SPEAKER_01]: All right, so I want to hit from the very beginning.
0:10
[SPEAKER_01]: 2026, I believe it's going to be an interesting year for us, right?
0:15
[SPEAKER_01]: What would you say is the number one mindset shift for new beginners, people like myself, yourself, all investors that we need to have for this year, particularly.
0:27
[SPEAKER_00]: 2026 is the year where you're going to own it and by owning it, I mean, you take control.
0:35
[SPEAKER_00]: Okay.
0:35
[SPEAKER_00]: 2025, we spend time learning, getting familiar, having the market prove itself.
0:41
[SPEAKER_00]: Yeah.
0:42
[SPEAKER_00]: Now we believe in it.
0:43
[SPEAKER_00]: Yeah.
0:43
[SPEAKER_00]: We're seeing things work.
0:45
[SPEAKER_00]: Yeah.
0:45
[SPEAKER_00]: So in 2026, we're going to own it.
0:48
[SPEAKER_00]: We're going to have a plan, okay?
0:50
[SPEAKER_00]: By having a plan, we are going to establish an opportunity list.
0:55
[SPEAKER_00]: Knowing the companies that we want to invest in, we are going to create a plan for extra money that we get.
1:04
[SPEAKER_00]: We're going to review our retirement accounts.
1:07
[SPEAKER_00]: We're going to understand the ETFs that we need to be investing in.
1:12
[SPEAKER_00]: This is ownership, this is our year to have a plan for what we're doing in the stock market.
1:18
[SPEAKER_01]: You know, you said something, you said opportunity.
1:21
[SPEAKER_01]: Last year, I mean, Bro, you gave us so many companies, so many ETFs of follow.
1:27
[SPEAKER_01]: Would you say that people
1:29
[SPEAKER_01]: should go back and look at those shows and keep some of those companies and keep some of those ETFs as part of as part of some of their opportunities for the year 2026.
1:39
[SPEAKER_00]: Absolutely.
1:39
[SPEAKER_00]: That's a great place to start.
1:41
[SPEAKER_00]: And you saw me trying to figure out what to invest in.
1:43
[SPEAKER_00]: You need ideas.
1:44
[SPEAKER_00]: Yeah.
1:44
[SPEAKER_00]: Watch some of those shows right down the top three or five that you love.
1:51
[SPEAKER_00]: And then when you get those dips in the market,
1:53
[SPEAKER_00]: You don't have to worry about, oh, what should I be buying right now when the market is dipping?
1:57
[SPEAKER_00]: You already have your list.
1:59
[SPEAKER_00]: You're ready to execute.
2:01
[SPEAKER_00]: Now I had somebody last night on our community meetup call that we do every Wednesday.
2:08
[SPEAKER_00]: She said, Courtney, I went back and watched.
2:11
[SPEAKER_00]: You went Anthony's episodes from all the 2025.
2:13
[SPEAKER_00]: Come on now.
2:15
[SPEAKER_00]: She counted 29 different investments that we talked about on our shows.
2:21
[SPEAKER_00]: And she bought all of them.
2:23
[SPEAKER_00]: She bought all of them.
2:24
[SPEAKER_00]: She bought all of them.
2:25
[SPEAKER_00]: She said, man, I've been a little over zealous.
2:27
[SPEAKER_00]: I have her laugh.
2:28
[SPEAKER_00]: You know, I'm not going to tell you you did too much.
2:30
[SPEAKER_00]: I wanted to tell you you didn't have to about all 29 facts, but you did and I'm cool with it.
2:36
[SPEAKER_01]: Yeah.
2:36
[SPEAKER_01]: Yeah.
2:36
[SPEAKER_01]: I like that.
2:37
[SPEAKER_01]: I like that.
2:37
[SPEAKER_01]: So what we're going to do you all for this episode, we're going to link all of the shows that Courtney and I did in here, 2025.
2:45
[SPEAKER_01]: And if you really go look at them, all of them bare minimum have 60,000 views to far of 400,000 views.
2:52
[SPEAKER_01]: Because we saw last year that you all really, really wanted to learn, not just how do you get out of debt, what I specialize in.
3:00
[SPEAKER_01]: But how do you get out of debt and then go to that next level, which is invest?
3:04
[SPEAKER_01]: And that's why I bring Courtney on this head investing expert.
3:06
[SPEAKER_01]: So we're going to link all those shows, but that's just about, I'll say about 10 shows.
3:11
[SPEAKER_01]: Well, Courtney does this every single week on his platform.
3:14
[SPEAKER_01]: So we're going to also link Courtney's YouTube show, his podcast on air.
3:19
[SPEAKER_01]: And I think you're going to your podcast in 2026 too, right?
3:21
[SPEAKER_01]: Are you still doing audio?
3:22
[SPEAKER_01]: We're going to audio.
3:23
[SPEAKER_01]: There we go, 2026.
3:24
[SPEAKER_01]: There we go.
3:25
[SPEAKER_01]: So we're going to link the YouTube link and the audio link for you all to get that.
3:28
[SPEAKER_01]: Because this is the year, like you said, is ownership.
3:31
[SPEAKER_01]: This is the year that you get the information and you start.
3:34
[SPEAKER_01]: only.
3:35
[SPEAKER_01]: We'll just talk them before him and me and he was talking about something him and his fiancee.
3:40
[SPEAKER_01]: Soon to be wife this year.
3:43
[SPEAKER_01]: He was like, bro, I really don't want to buy certain things.
3:45
[SPEAKER_01]: I mean, I'm buying stocks and and ownership of stuff.
3:48
[SPEAKER_01]: I don't want to do it.
3:50
[SPEAKER_01]: And I think that's important for all of us to have.
3:53
[SPEAKER_01]: is what can we build and add in our portfolio.
3:57
[SPEAKER_01]: Now, you said something earlier that I think you and I both really learned benefit it from, but I think a lot of people missed out on this in the year 2025.
4:06
[SPEAKER_01]: They didn't buy any deal.
4:10
[SPEAKER_01]: What would you say?
4:11
[SPEAKER_01]: What is one lesson that you will say?
4:13
[SPEAKER_01]: People learn from 2025 about missing the dip.
4:18
[SPEAKER_00]: The thing that they learned is how it feels to miss out.
4:23
[SPEAKER_00]: We got three major dips in 2025, okay?
4:28
[SPEAKER_00]: The first one happened around early spring, yeah.
4:31
[SPEAKER_00]: We got another one late summer early fall, yeah.
4:34
[SPEAKER_00]: And we just got another one that happened around the end of November.
4:38
[SPEAKER_00]: Sure did.
4:39
[SPEAKER_00]: the returns that happened after those dips have been insane.
4:44
[SPEAKER_00]: We're going to look back at 2025 and I think the S&P 500 is only going to be up about, I don't say only, it's probably going to be up about 13%.
4:54
[SPEAKER_00]: Which is a good year.
4:56
[SPEAKER_00]: You're above 10%, it's a good year in the S&P 500.
4:59
[SPEAKER_00]: If you bought these dips,
5:01
[SPEAKER_00]: You would see returns on those investments.
5:05
[SPEAKER_00]: Some instances as much as 70% on big names.
5:10
[SPEAKER_00]: Yeah.
5:10
[SPEAKER_00]: So the thing that people are going to carry in to 2026, the thing that they need to learn was like, I missed out.
5:17
[SPEAKER_00]: Hmm.
5:17
[SPEAKER_00]: See what happened.
5:18
[SPEAKER_00]: Another thing that happened in 2025 is people were interested in the stock market.
5:23
[SPEAKER_00]: Yep.
5:23
[SPEAKER_00]: And so they were following a little bit more but still hesitant to get involved.
5:29
[SPEAKER_00]: So they kind of stood on the sidelines and watched things take place.
5:33
[SPEAKER_00]: So you miss spring, you miss fall, you miss winter and then like, okay, now this is it.
5:39
[SPEAKER_00]: Now you're not going to keep, people not going to keep making money and I'm not a part of it, actually.
5:44
[SPEAKER_00]: So they're going to remember that feeling.
5:46
[SPEAKER_00]: I tell people all the time that in my classes like, hey, remember how you felt.
5:51
[SPEAKER_00]: Because the next time you're going to be ready to take action.
5:55
[SPEAKER_01]: Now, stand on that because I agree with you.
5:57
[SPEAKER_01]: So in year 2026, would you agree that we need a buy-a-dip fund?
6:02
[SPEAKER_01]: And if so, for the average person in America, who's making an anywhere between 48, let's say, max $60,000, says it's a brighter-run-a-avage income?
6:11
[SPEAKER_01]: How much should they have for the buy-a-dip fund?
6:15
[SPEAKER_01]: So that way, when a dip comes, they can maximize that opportunity.
6:19
[SPEAKER_00]: So this question is how much should I be prepared to invest and so I'm gonna I'm gonna sit here for a second because there are multiple parts to this okay, so there are there are three ways that you can figure out how much you need to be investing okay is looking at how much you can afford you know how much you need to say versus in the invest and then how much you need
6:41
[SPEAKER_00]: in terms of working backwards.
6:43
[SPEAKER_00]: So, and I know we're going to talk about that in a second.
6:45
[SPEAKER_00]: So, I'm going to start with the first two.
6:47
[SPEAKER_00]: Okay.
6:47
[SPEAKER_00]: So, how much can you afford?
6:49
[SPEAKER_00]: Look at your monthly budget, look at your income, your expenses, how much do you have left over?
6:55
[SPEAKER_00]: Of what you have left over, how much can you comfortably put into your brokerage account every single month?
7:01
[SPEAKER_00]: Yes.
7:01
[SPEAKER_00]: set that up to be a recurring transfer from your chicken account into your brokerage account.
7:07
[SPEAKER_00]: Yes, do that.
7:08
[SPEAKER_00]: Now, when the money transfers into the brokerage account is not necessarily buying investments, it's just in there so the funds are available for you to invest.
7:18
[SPEAKER_00]: There are certain stocks that you need to automatically buy every single month.
7:23
[SPEAKER_00]: Okay.
7:25
[SPEAKER_00]: But what I will say is about 80% or 85% of the money that's hitting your brokerage account can be invested by those stocks every single month.
7:35
[SPEAKER_00]: The other 15% needs to sit there.
7:38
[SPEAKER_00]: So it's looking at what you can afford, automatically transferred into the brokerage account.
7:44
[SPEAKER_00]: 80% of that money needs to be buying investments.
7:46
[SPEAKER_00]: 15% needs to be sitting there so that it's accumulating.
7:50
[SPEAKER_00]: Yeah, so then when you get a dip, you can buy the dip.
7:54
[SPEAKER_00]: That's the first part.
7:55
[SPEAKER_00]: Okay.
7:55
[SPEAKER_00]: That's the first way.
7:56
[SPEAKER_00]: Okay.
7:56
[SPEAKER_00]: Now, the second way is people need to understand what they need to have save and what they need to have invest.
8:01
[SPEAKER_00]: That's good.
8:02
[SPEAKER_00]: People we have in too much money and they save in the account and it's not working for them.
8:06
[SPEAKER_00]: Agreed.
8:06
[SPEAKER_00]: Only thing you need in your savings account is maybe six to eight months of your expenses, plus any short term goals, anything above that needs to be in the stock market.
8:14
[SPEAKER_01]: needs to be working for you and needs to be working for you.
8:16
[SPEAKER_00]: So that difference is in the stock market needs to go in their brokers account.
8:20
[SPEAKER_00]: Yeah, because you put it into the brokerage account.
8:22
[SPEAKER_00]: You don't immediately buy the investments.
8:25
[SPEAKER_00]: Okay.
8:25
[SPEAKER_00]: That money is sitting there.
8:26
[SPEAKER_00]: I tell people when they have a lump sum take.
8:30
[SPEAKER_00]: One sixth of that, right?
8:33
[SPEAKER_00]: It's about six months.
8:35
[SPEAKER_00]: It gives you six months to where you can incrementally buy investments.
8:40
[SPEAKER_00]: Then if you have a dip after a month, three, you have three months of money sitting there that you can buy the dip.
8:46
[SPEAKER_00]: So that's the second way that you can calculate how much you need to be invested in a set of, it's about a dip.
8:53
[SPEAKER_01]: All right, fine.
8:53
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8:56
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9:13
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9:27
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9:33
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9:56
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9:57
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10:02
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10:08
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10:14
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10:23
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10:30
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10:33
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10:36
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10:37
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10:38
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10:39
[SPEAKER_01]: What's going on, family?
10:39
[SPEAKER_01]: Hey, let's get real for a quick second.
10:41
[SPEAKER_01]: If you're watching this show, you're not just here to, I would say, to learn, you're here to own your future.
10:47
[SPEAKER_01]: See, 2026 is the year of ownership.
10:50
[SPEAKER_01]: We're not just talking about investing.
10:52
[SPEAKER_01]: We're making money moves.
10:54
[SPEAKER_01]: Remember what we said during the show, the people who win are the ones who have a plan and take action when opportunity not, especially watch this when a market dips.
11:06
[SPEAKER_01]: So here's the truth, nearly four intonodels have zero money in the stock market, and the wealthiest 10% now owned over 90% of all stocks, that's not by accident, it's because they're taking action, not just watching.
11:21
[SPEAKER_01]: If you wait five years to start investing, you could be leaving hundreds of thousands of dollars on the table.
11:28
[SPEAKER_01]: You see, it's not about time in the market.
11:30
[SPEAKER_01]: It's about being ready to buy when the opportunity comes.
11:34
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11:37
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11:41
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11:46
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11:51
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11:54
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12:05
[SPEAKER_01]: A promise you, the future self will thank you.
12:07
[SPEAKER_01]: Let's get back to the show.
12:08
[SPEAKER_01]: And those first two, 2026 thing, a lot of people work jobs that they get bonuses or commission checks, right?
12:17
[SPEAKER_01]: And so let's say someone gives like an extra $2,000.
12:20
[SPEAKER_01]: How much of that $2,000 was you suggest that they set aside, put inside the brokerage account, and some brokers account will allow you to let it sit in the separate little part of it and get like a 5% of the money just sitting there, right?
12:33
[SPEAKER_01]: And so,
12:35
[SPEAKER_01]: I said they get an extra $1,000 commission check.
12:38
[SPEAKER_01]: Actually right now, bump that.
12:39
[SPEAKER_01]: It's tax return time.
12:41
[SPEAKER_01]: Yeah, you know, it's two one.
12:43
[SPEAKER_01]: People who are getting excited right now, Courtney, because they buy to get $2500, especially with these new laws that Trump got coming out, you know, with tax return right now, with, you know, the standard, standard, right, and then went back up.
12:56
[SPEAKER_01]: I mean, it's crazy.
12:58
[SPEAKER_01]: People buy to get $5,000.
13:00
[SPEAKER_01]: How much of that $5,000 do you think they should put
13:06
[SPEAKER_00]: Yeah, any extra money that you receive, whether it's income tax, maybe it's a performance bonus, sales commission, maybe you get a big insurance check because of something, maybe you inherit some money, you lose a family member.
13:19
[SPEAKER_00]: If you get a big lump sum payment, any time, I want people in their heads right now to make the commitment that you're going to save half of it.
13:28
[SPEAKER_00]: 50%.
13:28
[SPEAKER_00]: 50%.
13:31
[SPEAKER_00]: 50 percent.
13:32
[SPEAKER_00]: We've set on the sidelines.
13:35
[SPEAKER_00]: We've watched.
13:36
[SPEAKER_00]: We've done things wrong.
13:38
[SPEAKER_00]: We've spent decades spending all of our money on things that we don't live.
13:44
[SPEAKER_00]: You've done the vacation.
13:45
[SPEAKER_00]: You've bought the designer shoes.
13:46
[SPEAKER_00]: You've made the excuses for yourself that, oh, I never had this before.
13:50
[SPEAKER_00]: So because I had this extra money, I'm going to treat myself.
13:53
[SPEAKER_00]: You've done it.
13:54
[SPEAKER_00]: You've been doing it for 15 years.
13:56
[SPEAKER_00]: Now.
13:57
[SPEAKER_00]: 50% of any extra money that you get, you said it to the side.
14:03
[SPEAKER_01]: So that means if you all get in a $5,000 refund check because you got two, three keys, one of them keys need to be invested.
14:11
[SPEAKER_01]: Okay.
14:14
[SPEAKER_01]: Why don't you talk to me if you're investing in the app?
14:19
[SPEAKER_01]: Why don't you kiss me to know you're going to see it?
14:22
[SPEAKER_01]: Okay, you're going to do the brokerage again.
14:25
[SPEAKER_01]: Bye.
14:26
[SPEAKER_01]: No, I'll just aside, but I love that, man.
14:29
[SPEAKER_01]: Because it's like we've got to get to the point to where you said earlier, front, you got to have a plan.
14:35
[SPEAKER_01]: So we have a plan in January, saying, okay, part of the plan is any extra money that I get 50% of it, Courtney and AO want me to put 50% of that inside of a brokerage account.
14:47
[SPEAKER_01]: Here's why I like Courtney's show.
14:50
[SPEAKER_01]: Because some of you are saying, well, I don't know what to do inside of the brokerage account.
14:52
[SPEAKER_01]: Well, today we're not gonna really get into specifics of that.
14:56
[SPEAKER_01]: which is why you need to go to his YouTube show, to his channel because he specifically shows people and walks you through how to open up their account and even how to invest inside their account.
15:07
[SPEAKER_01]: All right, so it will be inside the show notes.
15:09
[SPEAKER_01]: The key thing is the plan is, okay, I'm going to put 50% in.
15:15
[SPEAKER_01]: Courtney's going to teach me strategy on how to invest it the correct way to help the money grow.
15:21
[SPEAKER_01]: So I love that.
15:22
[SPEAKER_01]: Now, Courtney, you and I talked about this before.
15:25
[SPEAKER_01]: One of the things that my financial advisor had me do years ago and I even seen one of our mutual friends morgan.
15:35
[SPEAKER_01]: She even talked about this on her podcast and she said, amen out of the young age.
15:39
[SPEAKER_01]: She was asked by her financial advisor.
15:44
[SPEAKER_01]: What's your number?
15:46
[SPEAKER_01]: What is the number that you want to live off of every single month?
15:52
[SPEAKER_01]: And it's just like I never thought about that.
15:56
[SPEAKER_01]: And when I heard a talk about that, my financial advisor had just asked me that a couple of months before.
16:02
[SPEAKER_01]: And he says, Anthony, what do you want?
16:04
[SPEAKER_01]: You know, when you're 60, 70, 80 years old, how much money do you want?
16:09
[SPEAKER_01]: And I had to really go back and think and ask myself,
16:13
[SPEAKER_01]: So I have this question written down here.
16:16
[SPEAKER_01]: What does a simple way to calculate your freedom number?
16:20
[SPEAKER_01]: Like, how do we know what that is, what should be inside of it, and how do we really get to that number?
16:27
[SPEAKER_00]: Yeah, so I love this.
16:29
[SPEAKER_00]: Yeah, yeah, yeah.
16:29
[SPEAKER_00]: And we'll tell you, so everybody, we'll tell people, we'll say, get to the point when you stop trading time for money.
16:37
[SPEAKER_00]: A lot of people don't know what happens on the other side of the day.
16:40
[SPEAKER_00]: They don't know that what we're saying is you will now live off of your portfolio.
16:46
[SPEAKER_00]: You will have built up your portfolio to a level to where your portfolio will pay you every single year.
16:53
[SPEAKER_00]: Yes.
16:54
[SPEAKER_00]: Okay.
16:54
[SPEAKER_00]: So that's what we're talking about when we say you're free to none.
16:56
[SPEAKER_00]: That's why you're free of having to work.
17:00
[SPEAKER_00]: You're free of location, you're free of time, you can be home, you can be in the Caribbean.
17:07
[SPEAKER_00]: Yes, uh, Ghana.
17:09
[SPEAKER_00]: Yes, yes, you are free.
17:10
[SPEAKER_00]: That's your free number.
17:12
[SPEAKER_00]: I tell so for for my older people.
17:15
[SPEAKER_00]: I say this makes you a member a new member of NWA.
17:19
[SPEAKER_00]: Okay, not that one, but never work again.
17:22
[SPEAKER_00]: Okay.
17:24
[SPEAKER_00]: Okay, move it in short.
17:25
[SPEAKER_00]: Okay, I like that.
17:26
[SPEAKER_00]: This makes, now my younger people, now you can, for my younger people, I say now, you can be never broke again with young boys.
17:35
[SPEAKER_00]: So depending on your age, if you don't know young boys, then you will part in them, you are right.
17:40
[SPEAKER_00]: All right, so that's the way you can clarify which one you are part of.
17:44
[SPEAKER_00]: All right, but this is your freedom number.
17:47
[SPEAKER_00]: You have built your portfolio, so how you calculate this.
17:50
[SPEAKER_00]: He's his way to do this.
17:52
[SPEAKER_00]: is to think about the amount of money you need to live for a year.
17:57
[SPEAKER_00]: Yeah, what is that?
18:00
[SPEAKER_00]: How much money do you need to live comfortably a year?
18:05
[SPEAKER_00]: Think about that number first.
18:07
[SPEAKER_00]: Then you're going to divide that number by 0.05, 0.05, divided by 0.05.
18:14
[SPEAKER_00]: So we're going to do a little bit of math to keep it easy.
18:16
[SPEAKER_00]: Let's say $100,000, you do a little bit of reflection and you say in the amount of money that I need to live comfortably, I'm thinking about maybe not having a car no, I'm thinking about maybe increased health care costs.
18:30
[SPEAKER_00]: at retirement.
18:32
[SPEAKER_00]: Maybe downgrade in a home, potentially, maybe moving it to a condo, and you say $100,000 is the number.
18:38
[SPEAKER_00]: Just as an example, you're going to take $100,000 and you're going to divide it by 0.05.
18:46
[SPEAKER_00]: That means that when you do that math, you get $2 million.
18:49
[SPEAKER_00]: That means that $2 million will pay you $100,000 a year.
18:56
[SPEAKER_00]: So what happens when you stop working, and you live off of your portfolio, you want to systematically receive payments.
19:06
[SPEAKER_00]: You don't want to just be pulling money out of your portfolio whenever you need it, because you're going to go broke real fast.
19:14
[SPEAKER_00]: Say real fast.
19:16
[SPEAKER_00]: a four to six percent of your portfolio every single year.
19:19
[SPEAKER_00]: I just took the middle of that.
19:21
[SPEAKER_00]: I took 5 percent.
19:22
[SPEAKER_00]: Okay.
19:22
[SPEAKER_00]: Two million dollars will pay you a hundred thousand dollars every single year.
19:26
[SPEAKER_00]: So then what you do is you can go to the Anthony O'Neill world calculator and you can figure out how much you need to invest on a monthly basis earning 8 to 10 percent a year.
19:41
[SPEAKER_00]: Yes.
19:41
[SPEAKER_00]: to hit $2 million at the point that you want to stop work the fact.
19:46
[SPEAKER_00]: So now you have our third way to calculate how much you need to be investing, which is about working backwards.
19:52
[SPEAKER_01]: And you know what I love about this is, what you just taught us is that I think the average person and correct me if I'm wrong because you're in this invest in space.
20:02
[SPEAKER_01]: The average person
20:06
[SPEAKER_01]: so they can pull that money back out.
20:08
[SPEAKER_01]: And what you're saying is not around, you're gonna invest, so you can keep the principle, pass down the principle, but your principle, your money is making you more money to live off of.
20:20
[SPEAKER_01]: Absolutely.
20:21
[SPEAKER_01]: And what I love about that is,
20:24
[SPEAKER_01]: and crap me if I'm wrong.
20:25
[SPEAKER_01]: You're you're you're invested expert.
20:27
[SPEAKER_01]: If they follow my philosophy and don't have any consumer debt, maybe just a mortgage, right?
20:33
[SPEAKER_01]: But hopefully by that time, mortgage is taking care of.
20:37
[SPEAKER_01]: If we're at a hundred thousand dollars a year, that's eighty three hundred dollars a month.
20:41
[SPEAKER_01]: If we have no debt, just regular bills, right?
20:46
[SPEAKER_01]: That's a nice living.
20:48
[SPEAKER_01]: What?
20:49
[SPEAKER_01]: You can have two homes.
20:51
[SPEAKER_01]: You can go see your grand children.
20:53
[SPEAKER_01]: You can go to vacation every other month if you want.
20:55
[SPEAKER_01]: Because if you have no bills or utility bills, your health bills and your regular bills should be no more than $1,500 a month, you should be spending $7,500 a month anywhere.
21:08
[SPEAKER_01]: And so it was like, for me, I think for some people if you strategically do it right, that's going to be a pay rate for some people.
21:16
[SPEAKER_00]: It will be a pay rate.
21:17
[SPEAKER_00]: That's why we've had to, there's so many people that when we used to, when I used to be in the industry, we used to talk to people about, like your traditional retirement accounts, like your 401ks, your traditional IRAs, we had to change the way that we were teaching people, because we were teaching people to contribute to retirement, and people were doing it.
21:39
[SPEAKER_00]: They were sending the money aside, and when you started looking at the math, we're like, oh wait,
21:44
[SPEAKER_00]: the ideal at first was that you would pay less taxes at retirement than you do right now.
21:51
[SPEAKER_00]: But you're contributing at such a rate.
21:53
[SPEAKER_00]: You're going to actually be making more money.
21:55
[SPEAKER_00]: And so that's why we had to start having conversations about Roth IRAs.
21:59
[SPEAKER_00]: Yes, so that that money could grow tax-free.
22:01
[SPEAKER_00]: Yes, sir.
22:03
[SPEAKER_00]: I like that problem.
22:04
[SPEAKER_01]: No, more money.
22:07
[SPEAKER_01]: Hey, so all right, all right.
22:09
[SPEAKER_01]: So now we're talking about we know our number.
22:12
[SPEAKER_01]: wanted to key things that I've heard you talk about on your show when it comes to like particular platforms, when it comes to brokerage forms, is you love automation.
22:25
[SPEAKER_01]: And I've been able to automate with my financial advisor to where, honestly, I love it, bro, because sometimes I'd be forgetting that I'm even investing, because it's an automation.
22:35
[SPEAKER_01]: Why would you say to someone right now who doesn't even have a brokerage account or they have a brokerage account, but they do not have it on automation, as far as it's automatically buying stocks and invested, would you, imagine this question, would you say automation is a key ingredient to investing?
22:54
[SPEAKER_00]: Automation is a very key ingredient.
22:59
[SPEAKER_00]: I'll say it in person.
23:00
[SPEAKER_00]: Okay.
23:00
[SPEAKER_00]: Because, yeah, look, people busy.
23:04
[SPEAKER_00]: You got to take care of your partner, your kids, workstation, your brother, your sister needs some help.
23:12
[SPEAKER_00]: You want to go see your grandma.
23:13
[SPEAKER_00]: You got the thing going on in church.
23:16
[SPEAKER_00]: You have all of these things.
23:17
[SPEAKER_00]: Have you want to lose weight?
23:19
[SPEAKER_00]: You want to make sure you're reading your Bible every night.
23:22
[SPEAKER_00]: You're going to Bible instead.
23:23
[SPEAKER_00]: You have a lot to think about, yeah, yeah.
23:27
[SPEAKER_00]: Take one thing and remove yourself.
23:30
[SPEAKER_00]: Come on.
23:30
[SPEAKER_00]: Just make it do its own thing.
23:32
[SPEAKER_00]: Look, the item to the IRS don't have problems getting most of the money that they need because they take it out of your paycheck automatically.
23:42
[SPEAKER_00]: The IRS not on your phone, way in for you to pay your bill is because it's automated.
23:48
[SPEAKER_00]: Do what the IRS is doing.
23:50
[SPEAKER_00]: Yeah, I do make sure it's invested.
23:52
[SPEAKER_01]: When we talk automation, it makes me think of like, okay, what are some of the mistakes that I've made?
23:56
[SPEAKER_01]: And I can talk about all my mistakes, but I'm curious, last year you had a lot of new people come into your program as beginners.
24:05
[SPEAKER_01]: What were some of the mistakes that you saw them making as a beginner investor that we need to avoid in 2026?
24:13
[SPEAKER_00]: The biggest, honestly, the biggest mistake of the people that came into our community.
24:18
[SPEAKER_00]: The one thing that I'm really grateful for is that people came in and they were ready to get active.
24:23
[SPEAKER_00]: They opened up their brokerage accounts.
24:25
[SPEAKER_00]: They transfer money.
24:27
[SPEAKER_00]: The biggest mistake is one was the automation piece.
24:32
[SPEAKER_00]: That's end up the automation.
24:32
[SPEAKER_00]: The other one is just waiting.
24:35
[SPEAKER_00]: Ooh, trying to find a perfect time.
24:36
[SPEAKER_00]: Like trying to find a perfect time, trying to find a perfect investment.
24:41
[SPEAKER_00]: like, that's the biggest, that's the biggest one that I'm seeing.
24:46
[SPEAKER_01]: Where are we getting that from though?
24:49
[SPEAKER_01]: Like, where are we getting, okay, you gotta find a perfect time to invest?
24:52
[SPEAKER_00]: I think because they have heard what we've been able to do in the community and there are people, and there are people.
25:00
[SPEAKER_00]: I have a woman.
25:03
[SPEAKER_00]: who's been in the community for a while now since the very beginning, she started out with $2,000 and her portfolio is now it's over $10,000.
25:16
[SPEAKER_00]: All right, I have people who have multi-ex their portfolios, and a big reason for that is what we started out with, people buying the dip and believing in it and being consistent.
25:31
[SPEAKER_00]: Other people hear that and they want to start out waiting for the dip.
25:35
[SPEAKER_00]: and it doesn't work like that.
25:36
[SPEAKER_00]: You actually need to already be investing consistently.
25:42
[SPEAKER_00]: The dip becomes a bonus.
25:44
[SPEAKER_00]: Okay, so it's kind of like your income.
25:46
[SPEAKER_00]: Well, your monthly salary is coming every month.
25:51
[SPEAKER_00]: And if you get a bonus, well, that's just extra facts, all right, and so I think so many people are waiting to hit the home run.
26:00
[SPEAKER_00]: Yeah.
26:00
[SPEAKER_00]: And they missed, you know, they missed the objective.
26:03
[SPEAKER_00]: Hey, we're not, we hit home runs, but our goal is to just hit base hit.
26:10
[SPEAKER_00]: Okay, we just want to consistency and automation and time are the three most important ingredients for your portfolio.
26:21
[SPEAKER_00]: And if you're already invested, you're following, you'll get to do it.
26:24
[SPEAKER_01]: What's going on, family?
26:25
[SPEAKER_01]: Listen, I just saved over $400 of my current insurance in literally 10 minutes.
26:30
[SPEAKER_01]: Here's the thing.
26:31
[SPEAKER_01]: Most of us are overpaying because we're so loyal to companies that ain't loyal to our wallet.
26:37
[SPEAKER_01]: Recently, I partnered with a trusted broker to help my family use, stopped throwing money away by just simply entering a zip code, answering some few questions, and boom, you have real quotes within real companies within a matter of 60 seconds.
26:52
[SPEAKER_01]: No credit checks, none of that spam code.
26:54
[SPEAKER_01]: Look, you work hard for your money.
26:56
[SPEAKER_01]: Why I give more of it away than you have to.
26:59
[SPEAKER_01]: I personally use this company back when I was going through my search and input money back in my pocket.
27:06
[SPEAKER_01]: All you have to do is go to AnthonyNil.com for slash car insurance right now as AnthonyNil.com for slash car insurance stop over pain.
27:15
[SPEAKER_01]: Start keeping your money so you can pay off debt and start investing and building your number one asset which is your wealth.
27:22
[SPEAKER_01]: All right, listen, go to AnthonyNil.com for slash car insurance and get that quote today.
27:27
[SPEAKER_01]: Peace out.
27:27
[SPEAKER_01]: Let me answer this question.
27:29
[SPEAKER_01]: You may or may not agree with this one.
27:30
[SPEAKER_01]: One of the mistakes that I think I see people make is they'll watch our shows and they will get excited.
27:37
[SPEAKER_01]: Oh my gosh, I can make 10%, 20%.
27:39
[SPEAKER_01]: So they'll get a brokerage account, they'll join your community, they'll follow someone else, whatever it is.
27:45
[SPEAKER_01]: They'll start investing.
27:47
[SPEAKER_01]: But I had a young lady come to me mid last year.
27:51
[SPEAKER_01]: And she came to me and she was like, hey, man, I bought $15,000 stocks over the last six months.
27:57
[SPEAKER_01]: I said, man, that's what's up.
27:59
[SPEAKER_01]: Yeah, I just had to pull that out though.
28:02
[SPEAKER_01]: I was like, well, why is the pull it out?
28:05
[SPEAKER_01]: Car broke down.
28:05
[SPEAKER_01]: I had to get a new engine.
28:06
[SPEAKER_01]: I had to pull that like six grand.
28:09
[SPEAKER_01]: There's my question.
28:10
[SPEAKER_01]: Well, how can you pull that from your emergency fund?
28:13
[SPEAKER_01]: Oh, no, I had all my money invested because I want my money to make money.
28:18
[SPEAKER_01]: So I think, and I'm gonna get your thoughts on this.
28:21
[SPEAKER_01]: Investing is important, but also having any emergency phone that we stated earlier is just as important because now she took money out of the market.
28:31
[SPEAKER_01]: When that could have said in a market to continue to grow, if she just would have had an emergency fund, should people start investing into the market because they see stocks or just booming, they wanna get that Nvidia stock, cause everyone's talking about Nvidia and how I'm just making all this money, but they don't have 1,000, 2,000 in emergency fund.
28:52
[SPEAKER_00]: Yeah, you do have to do both, but I will say that you have to have a foundation in terms of an emergency.
28:59
[SPEAKER_00]: Most of merchants are going to average about $600 to $700, yes or so.
29:05
[SPEAKER_00]: I like to tell people I can get your first $1,000.
29:09
[SPEAKER_00]: in your high yield savings account in case something comes up.
29:13
[SPEAKER_02]: Yeah.
29:14
[SPEAKER_00]: Yeah.
29:14
[SPEAKER_00]: Okay.
29:14
[SPEAKER_00]: And so then what you can do and we talked about this earlier when you're trying to calculate what you can afford to invest.
29:21
[SPEAKER_00]: Okay.
29:22
[SPEAKER_00]: Look at, you know, make sure that part of that those expenses are what you're saving.
29:28
[SPEAKER_00]: because you do need to save and invest.
29:31
[SPEAKER_00]: Some people would like percentages.
29:33
[SPEAKER_00]: I would tell people who try to get to a point where you're setting aside 20% of your income.
29:37
[SPEAKER_00]: Said it as a goal, you may not be able to afford it right now.
29:41
[SPEAKER_00]: Okay, but said it as a goal.
29:42
[SPEAKER_00]: But maybe you can't do 20%.
29:44
[SPEAKER_00]: Maybe it's 15% for you.
29:45
[SPEAKER_00]: Or maybe it's even 10% for you.
29:47
[SPEAKER_00]: Yeah, all right.
29:48
[SPEAKER_00]: Of that 10%, some of that goes in savings, some of that goes in the market.
29:53
[SPEAKER_00]: after you have that first thousand dollars.
29:56
[SPEAKER_00]: Because like you say, if you only put your money into the market, you're going to have an expense, you're going to have to put a money out, you're going to lose a future earnings potential.
30:04
[SPEAKER_00]: I'm going to tell you something else.
30:05
[SPEAKER_00]: Yeah.
30:05
[SPEAKER_00]: When that's what it is that when it rains, it pours or does.
30:08
[SPEAKER_00]: So if you're having an emergency where you need the money, chances are that the market is going to be down as well.
30:15
[SPEAKER_00]: So now only you're going to lose the future earning potential.
30:19
[SPEAKER_00]: You're going to be pulling money out when the market is down.
30:21
[SPEAKER_00]: So you're actually taking it out at a loss.
30:23
[SPEAKER_00]: So it's going to be less money than even what you start because that's just the way things work, right?
30:28
[SPEAKER_00]: If one thing is wrong, something else is wrong.
30:30
[SPEAKER_00]: Hey, you, you're getting hit twice.
30:32
[SPEAKER_01]: You know, that's, that's so good.
30:34
[SPEAKER_01]: That's so good.
30:35
[SPEAKER_01]: I ain't even thinking about it like that, according to that, I haven't pulled money on a long time, but you're right.
30:39
[SPEAKER_01]: Do you, ooh.
30:41
[SPEAKER_01]: That's scary.
30:42
[SPEAKER_00]: The emergency is happening at the time.
30:45
[SPEAKER_00]: Right.
30:45
[SPEAKER_00]: You see, isn't going to happen?
30:47
[SPEAKER_00]: Road as a market is a, oh, it's going to happen when things is a little rocky.
30:52
[SPEAKER_01]: Oh, that's good, but that's also like, man, I will be crying like crazy.
31:01
[SPEAKER_01]: So I got a pool money out when I've already lost money.
31:07
[SPEAKER_01]: That hurts you times too, hurts you two times.
31:09
[SPEAKER_01]: Oh, Jesus, yeah, no, oh, yeah, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no, no,
31:38
[SPEAKER_01]: really impacted your walk when it comes to your finances, your investing, I mean, you have a daughter, you and your fiance have kids together.
31:46
[SPEAKER_01]: How does the faith and legacy play really impact y'all's decisions?
31:55
[SPEAKER_00]: I mean, we believe that is biblical for us to be good stewards.
32:00
[SPEAKER_00]: So it helps us be less afraid of some of the investments that we make.
32:06
[SPEAKER_00]: That's the making money part of it, you know, and it's not just invested in the stock market, it's invested in, you know, my fiance runs a plant base of feminine hygiene and skincare company.
32:18
[SPEAKER_00]: Yes, right.
32:19
[SPEAKER_00]: We have big plans for that company and so it's this is so funny.
32:25
[SPEAKER_00]: I don't know how she's going to feel about me telling his story.
32:28
[SPEAKER_00]: Don't give me no trouble, man.
32:29
[SPEAKER_00]: She here.
32:29
[SPEAKER_00]: I want her running in here.
32:31
[SPEAKER_00]: We have some big goals for the company for 2026.
32:34
[SPEAKER_00]: All right.
32:35
[SPEAKER_00]: Okay.
32:35
[SPEAKER_00]: They're scary goals and we're preparing.
32:41
[SPEAKER_00]: I had noticed that there was some product that we needed.
32:45
[SPEAKER_00]: I was like, oh, if we're gonna hit this big goal, we need more of this in order for us to hit that.
32:51
[SPEAKER_00]: And she kind of looked at me and she was like, hey, that's a lot of money.
32:56
[SPEAKER_00]: And I told her this story.
32:57
[SPEAKER_00]: Maybe you've heard this before, okay, okay.
32:59
[SPEAKER_00]: But there's a story, there's a small town.
33:02
[SPEAKER_00]: And it's a very agriculture town.
33:05
[SPEAKER_00]: And it's a drought.
33:06
[SPEAKER_00]: Okay.
33:06
[SPEAKER_00]: And everybody's struggling financially.
33:09
[SPEAKER_00]: Yeah.
33:09
[SPEAKER_00]: And so everybody's going to church is often as they can because they're praying for rain.
33:13
[SPEAKER_00]: Everybody in the town, they walk in, they walk in the church.
33:17
[SPEAKER_00]: They're praying for rain.
33:18
[SPEAKER_00]: But every day everybody walks by his one house and it's a man sitting on a porch.
33:22
[SPEAKER_00]: and he's not going to church.
33:24
[SPEAKER_00]: And the people kind of looking at him and they, you know, they're not happy that he's not going because everybody needs rain so that they can have a harvest.
33:34
[SPEAKER_00]: And eventually a woman stops because she fed up.
33:37
[SPEAKER_00]: Everybody in the town is going to church praying for rain except for this one man She like what's wrong with you?
33:44
[SPEAKER_00]: You know we need this rain for this harvest, but you see here and you watch us walk You watch us pray Why are you not going with us?
33:53
[SPEAKER_00]: He said y'all have no faith So when you may won't have no faith we walk in the church.
33:58
[SPEAKER_00]: We pray He's like yeah, but don't know y'all have no umbrellas
34:03
[SPEAKER_00]: And so, you know, I tell my fiance, like, hey, we say this is what we, we expect, we put in the money out there.
34:11
[SPEAKER_00]: Yeah.
34:11
[SPEAKER_00]: And it's, it's a lot of money.
34:13
[SPEAKER_00]: Yeah.
34:14
[SPEAKER_00]: Okay.
34:14
[SPEAKER_00]: And it's uncomfortable.
34:15
[SPEAKER_00]: But we believe in what we plan for.
34:17
[SPEAKER_00]: We're not going to be doing people walking the church without umbrellas.
34:20
[SPEAKER_00]: Yeah.
34:21
[SPEAKER_00]: If we plan for rain, we need to have an umbrella.
34:24
[SPEAKER_00]: Yeah.
34:24
[SPEAKER_00]: That's how our faith plays out into how we manage our money.
34:28
[SPEAKER_00]: Your children's children are going to need umbrellas.
34:30
[SPEAKER_00]: everybody need to umbrella that's what you plan for.
34:33
[SPEAKER_00]: And let me say this is one of the part because this is this is the number one.
34:36
[SPEAKER_00]: It's fine.
34:36
[SPEAKER_00]: We just we just talked about this that's I told her I was like, hey, you might see some extra money coming out of the account.
34:46
[SPEAKER_00]: because I just been sending some extra money to the church, okay?
34:51
[SPEAKER_00]: Okay.
34:52
[SPEAKER_00]: And this is, this is whether, you know, we go to church, we don't go to church.
34:57
[SPEAKER_00]: Like, hey, this money is coming out.
34:58
[SPEAKER_00]: Right.
34:59
[SPEAKER_00]: This is, it's not only, this is above our time.
35:04
[SPEAKER_00]: This is of belief.
35:07
[SPEAKER_00]: of what we expect.
35:09
[SPEAKER_00]: And then there's a part of me that's extremely grateful as well because of how I grew up.
35:16
[SPEAKER_00]: And I saw, man, my grandmother and my aunt's, who didn't always have a lot, but they always did for other people, man.
35:25
[SPEAKER_00]: There were always kids that they would bring in or by school clothes, or they would,
35:32
[SPEAKER_00]: by them, anything that school supplies, there were families that didn't have anybody.
35:39
[SPEAKER_00]: So they would invite them to our house for the holidays.
35:42
[SPEAKER_00]: And I'm like, oh, he's been looking at my girl mom, I'm like, y'all ain't really got a whole lot to sell.
35:48
[SPEAKER_00]: If you don't have a whole lot of space to be taking care of the people, but that was their ministry.
35:55
[SPEAKER_00]: That's what my family, I come from a family of givers.
35:59
[SPEAKER_00]: And it's crazy because I know we've had conversations about some of the things that I do in times that I had in charge people, or being able to charge more for what I do.
36:09
[SPEAKER_00]: And y'all be talking to me so times like me, you know, like what you're doing is really, really valuable.
36:15
[SPEAKER_00]: And I just do what I do with that.
36:18
[SPEAKER_00]: That comes from how I was raised.
36:21
[SPEAKER_00]: And so as we think about,
36:22
[SPEAKER_00]: Let's talk about how our faith plays a role into how we invest, how we manage our money, like giving is a part.
36:30
[SPEAKER_00]: Yes, sir.
36:30
[SPEAKER_00]: I'd add his will.
36:32
[SPEAKER_01]: No, giving is a part of it.
36:33
[SPEAKER_01]: It has to be a part of it.
36:34
[SPEAKER_01]: I just did a show, just so about Todd, that Ty isn't just being generous.
36:40
[SPEAKER_01]: I how I believe that is one of the key ingredients,
36:45
[SPEAKER_01]: to building true and long lasting wealth and legacy from a Christian perspective, right?
36:52
[SPEAKER_01]: Because truth be told, man, you know where I came from before here, I should not be where I am today right now.
37:01
[SPEAKER_01]: I could eventually got here, but I believe it's because when I got out,
37:06
[SPEAKER_01]: I didn't hold, I didn't keep all the money to myself.
37:09
[SPEAKER_01]: As soon as I got paid, 10% went back to the local church.
37:12
[SPEAKER_01]: And I said, God, I don't know how I'm going to build this business.
37:16
[SPEAKER_01]: I don't know how I'm going to win.
37:18
[SPEAKER_01]: Corrin, I've never even said this publicly.
37:20
[SPEAKER_01]: I was prepared to go get a job when I left.
37:24
[SPEAKER_01]: I was like, because I'm leaving this huge machine, making a lot of money, making, you know, multiple six figures a year to stepping on and doing things on my own.
37:33
[SPEAKER_01]: So I was going to build this business, but I was prepared to go back and be a youth pass of somewhere and associate teaching pass of somewhere.
37:40
[SPEAKER_01]: I was prepared to get a nine to five job to build what I have to build, but I said,
37:49
[SPEAKER_01]: I'm going to give and I'm still going to work.
37:52
[SPEAKER_01]: And bro, I haven't, I didn't have to go back to work at all.
37:55
[SPEAKER_00]: All right, so we're going to do this, we're going to do this.
37:58
[SPEAKER_00]: All right, we're going to do this.
37:59
[SPEAKER_00]: And so I truly believe that we are putting into a place spiritually to where God
38:13
[SPEAKER_00]: I want to say test us and, and I don't even know if this is, I don't know if this is biblical, okay, okay, but I think God test our humility and faith, for sure, okay, for sure.
38:26
[SPEAKER_00]: So I'm it's crazy that you tell that story because I got to a place So my business was doing phenomenal, yeah, and then my business wasn't doing phenomenal
38:37
[SPEAKER_00]: And my business started not doing phenomenal when I had made a big move.
38:43
[SPEAKER_00]: When I moved here, actually.
38:44
[SPEAKER_00]: Okay, okay, okay.
38:46
[SPEAKER_00]: And I was like, oh, this is crazy.
38:48
[SPEAKER_00]: Like, I don't know what's going on, but you know what?
38:51
[SPEAKER_00]: I'm not trippy, right?
38:52
[SPEAKER_00]: Because, you know, I have a degree.
38:54
[SPEAKER_00]: I have a master's degree, you know, I like finance.
38:59
[SPEAKER_00]: I can do corporate finance.
39:00
[SPEAKER_00]: I can do investing.
39:02
[SPEAKER_00]: You know what I'm saying?
39:03
[SPEAKER_00]: So, I started applying for jobs.
39:04
[SPEAKER_01]: Wow.
39:05
[SPEAKER_00]: I mean, I hadn't worked for anybody since 2018.
39:07
[SPEAKER_00]: Right, right, right.
39:08
[SPEAKER_00]: You know what I'm saying?
39:10
[SPEAKER_00]: I told my fiance's a, hey.
39:11
[SPEAKER_00]: I'm gonna play for jobs, you know, I'm gonna look to see what I can find.
39:16
[SPEAKER_00]: And then another thing was that the idea was, I had, when we had met this, we had met a woman who ran a,
39:26
[SPEAKER_00]: these like medical, they, they were doing like medical deliveries.
39:31
[SPEAKER_00]: And it's apparently a pretty lucrative business isn't so, you know, we have some, it's like, all right, you know, let's, I mean, this could be something that maybe we could start doing and start doing for our son.
39:39
[SPEAKER_00]: So, man, I actually got to the point, I was like, well, let me see what this is talking about.
39:44
[SPEAKER_00]: So, I even started doing this like the, it was like the delivery of medical supplies.
39:50
[SPEAKER_00]: Right other, hey, business is a little slow.
39:52
[SPEAKER_00]: I don't mind taking care of my family.
39:54
[SPEAKER_00]: I'm an apply for these jobs.
39:56
[SPEAKER_00]: Well, let me tell you what happened.
39:59
[UNKNOWN]: Okay.
40:00
[SPEAKER_00]: I think it's good.
40:02
[SPEAKER_00]: I get no callbacks from the applications, all right?
40:05
[SPEAKER_00]: And the medical delivery thing, I'm going to keep it short, but it didn't work out, okay?
40:12
[SPEAKER_00]: Okay.
40:14
[SPEAKER_00]: It can't be too many bosses in a room.
40:19
[SPEAKER_00]: That I'll leave it, I'll leave it at that.
40:21
[SPEAKER_00]: It didn't work out, but now I literally, I'm not kidding, almost immediately.
40:28
[SPEAKER_00]: after those things happened, and then this was, I don't know, they haven't heard of this one on for a couple months, maybe.
40:34
[SPEAKER_00]: And I'm not very, I don't know how long it went on.
40:37
[SPEAKER_00]: Immediately after that, my business turned around.
40:40
[UNKNOWN]: Wow.
40:41
[SPEAKER_00]: Wow.
40:42
[SPEAKER_00]: And I, you can't tell me that this just wasn't one of those tests in light to where God is like, let me see,
40:53
[SPEAKER_00]: Let me see how bad you want.
40:55
[SPEAKER_00]: Are you really believing me, right?
40:59
[SPEAKER_00]: And I just think that we live in an economy right now that is really, really tricky.
41:06
[SPEAKER_00]: There are a lot of things going on there.
41:07
[SPEAKER_00]: We have pride.
41:08
[SPEAKER_00]: People have an education that agrees.
41:09
[SPEAKER_00]: They've made lots of money in the past.
41:11
[SPEAKER_00]: Anything that you've had in the past is not guaranteed in the future, this.
41:16
[SPEAKER_00]: And don't nobody should be afraid of
41:24
[SPEAKER_00]: doing what you got to do for your family, you know, and there is, there's also a such thing, as, as divine delay.
41:38
[SPEAKER_00]: You know, you may feel like, oh, you know, I lost my job.
41:42
[SPEAKER_00]: This is the worst thing ever, or my business is slowing down.
41:46
[SPEAKER_00]: This is the worst thing areas that thing that happened with me was my business slowed down.
41:50
[SPEAKER_00]: There was, I had weed in one of the country.
41:52
[SPEAKER_00]: We do a lot of government contracts and stuff too.
41:56
[SPEAKER_00]: And there was a, uh, it wasn't a huge contract.
41:59
[SPEAKER_00]: There was a decent contract.
42:00
[SPEAKER_00]: He was money.
42:00
[SPEAKER_00]: I cared about it, you know, it was more than six fingers.
42:03
[SPEAKER_00]: You know, that, um, that, that we had got awarded.
42:07
[SPEAKER_00]: And then that city had come back and said that they needed to withdraw the offer.
42:14
[SPEAKER_00]: Man, I was devastated because this is the same time where business is kind of slow.
42:19
[SPEAKER_00]: And my fiance came to me this week, I had your good partners.
42:24
[SPEAKER_00]: Yes, sir.
42:25
[SPEAKER_00]: So she was like, don't trip off of it.
42:29
[SPEAKER_00]: Because there may be a reason until I got, don't want you to have that opportunity.
42:33
[SPEAKER_00]: That was going to work.
42:33
[SPEAKER_00]: It was going to require me to do a lot of traveling.
42:37
[SPEAKER_00]: Higher some people.
42:38
[SPEAKER_00]: It's just that there may be a reason why that didn't happen.
42:42
[SPEAKER_00]: And so just don't worry about it or whatever.
42:44
[SPEAKER_00]: And you know,
42:47
[SPEAKER_00]: what ends up happening is, you know, my daughter, we go through the whole, ball-mirror transplant thing.
42:54
[SPEAKER_00]: I actually need it to be home, can't be traveling back and forth.
42:59
[SPEAKER_00]: And then my business picked up all over again.
43:01
[SPEAKER_00]: And so be faithful to what you believe in.
43:07
[SPEAKER_00]: Never be too prideful, so where you're not willing to do something because even whatever that thing is that you may feel like is beneath you, it could turn into something even bigger.
43:19
[SPEAKER_00]: You know, I started, I was like, hey, I might do this delivery thing and then I'll start my own business.
43:23
[SPEAKER_00]: And I could hire my kids or whatever.
43:26
[SPEAKER_00]: Right.
43:26
[SPEAKER_00]: And so I just think that that's really, really important as we go into a new season with as uncertain of an economy as we are.
43:34
[SPEAKER_00]: Man, faith, faith has to be a part of what you do, and don't get to the point where you make it too much money, so where you too good for something.
43:45
[SPEAKER_00]: Could you never know?
43:46
[SPEAKER_00]: No.
43:47
[SPEAKER_01]: Hands down.
43:49
[SPEAKER_01]: Thank you for sharing our story.
43:51
[SPEAKER_01]: Because I think people need to hear that.
43:53
[SPEAKER_01]: Here's why I say people.
43:54
[SPEAKER_01]: I think many need to hear that.
43:56
[SPEAKER_01]: you was willing to get a job to support your family.
44:00
[SPEAKER_01]: I think a lot of men are not willing to do what they need to do if it makes them feel less than.
44:08
[SPEAKER_01]: You ain't worth a job.
44:09
[SPEAKER_01]: I was working a dream career.
44:11
[SPEAKER_01]: Really wasn't a job.
44:13
[SPEAKER_01]: But I was like, God, I'm willing to go backwards and still work the vision, but I'm willing to go get a job to make sure that I take care of my home, and I'm making to make sure that I'm continuing to survive.
44:26
[SPEAKER_01]: Those are A-Man-Listen, I got an amazing fiance, an amazing family, an amazing daughter.
44:31
[SPEAKER_01]: All right, struggle, but that's a part of entrepreneurship.
44:35
[SPEAKER_01]: Bro, we're gonna have another struggle in a season.
44:38
[SPEAKER_01]: It's gonna, it's bound to happen, right?
44:42
[SPEAKER_01]: And so I believe man, and that's why I always say, and this is why I believe tithing is so important.
44:50
[SPEAKER_01]: because God may not come when you want them, but he gonna come right on time.
44:55
[SPEAKER_01]: And I think tithing and giving and just really having that fake component is the key ingredient to building wealth, because I believe that's just our emergency account that we don't really have
45:10
[SPEAKER_01]: There's a ability on it because, you know what, Quentin, you was faithful, bro.
45:15
[SPEAKER_01]: I'm when I tried, you was faithful.
45:17
[SPEAKER_01]: When I allowed something to happen, you was faithful and you were in quick.
45:21
[SPEAKER_01]: I'm away.
45:22
[SPEAKER_01]: Right when you think, you bought the, I'm a boom.
45:25
[SPEAKER_01]: And I've seen God do that in my life, in my company's life, even in some of my team members' life, in my family's life.
45:34
[SPEAKER_01]: And so, man, we weigh over time.
45:36
[SPEAKER_01]: I told Quentin, it was that end.
45:39
[SPEAKER_01]: We left the airport out.
45:41
[SPEAKER_01]: We would have been to the good man.
45:43
[SPEAKER_01]: No, man, but I think I think people need to hear that I think men need to hear that because that's beyond us You know I'm saying I think
45:51
[SPEAKER_01]: When I think, when I look at your fiance and other black ladies, man, they're working hard.
45:56
[SPEAKER_01]: I think men need to hear, we need to be working just as hard.
45:59
[SPEAKER_01]: And we got to let some of our pride in our ego go.
46:02
[SPEAKER_01]: And we got to, I think men have to get back to being crisis-centered.
46:08
[SPEAKER_01]: We're not going to be perfect.
46:09
[SPEAKER_01]: But if we could be crisis-centered,
46:14
[SPEAKER_01]: Listen, to be faithful to one woman out there, get your wife, kids, man, listen, man, that's the whole another subject home.
46:20
[SPEAKER_01]: That's the whole another subject.
46:21
[SPEAKER_01]: We can't talk about that right now.
46:23
[SPEAKER_01]: Okay, we ain't gonna talk about that.
46:24
[SPEAKER_01]: But we're gonna do another male's event, Q1.
46:28
[SPEAKER_01]: Me and Courtney did one last year.
46:30
[SPEAKER_01]: It was amazing.
46:31
[SPEAKER_01]: It sold out like crazy.
46:33
[SPEAKER_01]: And so we're gonna do another male's event.
46:35
[SPEAKER_01]: And we'll talk about some of that kind of stuff.
46:36
[SPEAKER_01]: Because I even think, I'm saying this I'm gonna meet, this is me saying, this ain't Courtney saying,
46:43
[SPEAKER_01]: stills your wealth and stills your potential to build massive wealth because that's expensive.
46:48
[SPEAKER_01]: But anyways, y'all.
46:49
[SPEAKER_01]: We're going to put Quarty information inside of the show notes.
46:53
[SPEAKER_01]: We're going to link all of the shows where you can go back and look at all the ETFs, all the stocks that we recommended.
46:59
[SPEAKER_01]: I mean, make sure as always, y'all, uh, let's hit that subscribe button on my show and go over the Quarty show and hit that subscribe button.
47:07
[SPEAKER_01]: join both communities.
47:08
[SPEAKER_01]: We're going to help you get out of debt, help you build that vision.
47:11
[SPEAKER_01]: Quartz, we're going to help you come up with a strategy to invest even at a deeper level.
47:15
[SPEAKER_01]: We talk about that here at the surface level.
47:17
[SPEAKER_01]: Quartz and goes, DEFT.
47:19
[SPEAKER_01]: All right.
47:19
[SPEAKER_01]: And so you rock with us to, man, your financial future is going to change.
47:25
[SPEAKER_01]: All right.
47:25
[SPEAKER_01]: Then I'm going to give his fiance some love.
47:27
[SPEAKER_01]: He talked about the scan care.
47:28
[SPEAKER_01]: I used that scan care company the entire year, 2020-25.
47:32
[SPEAKER_01]: I love it.
47:33
[SPEAKER_01]: I love it so much that I'm actually on the autumn.
47:35
[SPEAKER_01]: She sent it to me automatically every month.
47:37
[SPEAKER_01]: I just paid every single money.
47:38
[SPEAKER_00]: She said Anthony Anthony set up on the subscription.
47:41
[SPEAKER_00]: I was on the subscription.
47:42
[SPEAKER_00]: I was like, Anthony now playing.
47:44
[SPEAKER_00]: I am playing.
47:44
[SPEAKER_00]: And look, it's her listing.
47:45
[SPEAKER_00]: Let's shop her listing.com.
47:47
[SPEAKER_00]: But we're going to put that in show notes.
47:49
[SPEAKER_01]: We'll put in some of shop her listing.com.
47:51
[SPEAKER_01]: Man, it says her listing.
47:53
[SPEAKER_01]: Now I did challenge my sister.
48:01
[SPEAKER_01]: But the skin is amazing and because I want a subscription, man, listen, man, I'm gonna put it out there.
48:08
[SPEAKER_01]: She sent me some whites, boy, we gotta be clean down there, brothers.
48:11
[SPEAKER_00]: Anyways, y'all will see y'all in the next show, peace out there.