Latest / The Table with Anthony ONeal / My Fastest Way to Kill Debt: Do These 5 Things in This Exact Order to Clear Your Debt

Transcript

My Fastest Way to Kill Debt: Do These 5 Things in This Exact Order to Clear Your Debt · The Table with Anthony ONeal

0:00
[SPEAKER_01]: 22.36 percent.
0:03
[SPEAKER_01]: I'm going to say one more time.
0:05
[SPEAKER_01]: 22.36 percent is the average interest rate Americans are paying on credit card balances right now.
0:11
[SPEAKER_01]: This is not something that I found just from an average website.
0:14
[SPEAKER_01]: This is actually coming from the Federal Reserve's particular survey because it found that that was the average in the third quarter of 2026.
0:31
[SPEAKER_01]: 22.36 percent.
0:33
[SPEAKER_01]: Now, if you're carrying a balance like that, somebody has already told you what to do about it.
0:40
[SPEAKER_01]: Find the card with the highest rate and attack that one first.
0:45
[SPEAKER_01]: Let the math decide what you need to do.
0:50
[SPEAKER_01]: And I'm going to say this upfront.
0:53
[SPEAKER_01]: I need them to shut up because the math is technically not wrong, but the math is also the reason a whole lot of people like yourself are still caring that same balance for the last three years because the math does not know what you are or if you are tired.
1:13
[SPEAKER_01]: It does not know you have been paying going to the same account for 14 months and still has a balance on it.
1:22
[SPEAKER_01]: The map doesn't know that your transmission just went out in March.
1:26
[SPEAKER_01]: The map does not know that the month you decide you are done trying.
1:34
[SPEAKER_01]: The map doesn't know you, it just knows math.
1:38
[SPEAKER_01]: So in today's episode, I am not giving you a strategy.
1:45
[SPEAKER_01]: I am giving you an order, five steps, five steps.
1:51
[SPEAKER_01]: So when we're talking, not strategy today, but five steps that could be a strategy.
1:58
[SPEAKER_01]: Yeah, I like that.
1:59
[SPEAKER_01]: Five steps that are a strategy that are important for today's episode and exactly where your next dollar goes while you're still in debt.
2:07
[SPEAKER_01]: We're going to have a real conversation today.
2:10
[SPEAKER_01]: Let me give you the order or the plate is.
2:15
[SPEAKER_01]: Let me give the other side is do respect.
2:20
[SPEAKER_01]: Because I'm not going to stand here and pretend that the math is just stupid.
2:25
[SPEAKER_01]: I don't think that the math is stupid.
2:27
[SPEAKER_01]: A 24% credit card calls you more than 9% on a personal law.
2:34
[SPEAKER_01]: that is just true.
2:36
[SPEAKER_01]: And if two people both finish, the one who went after the highest rate pays less interest to the bank.
2:44
[SPEAKER_01]: I'm not even going to argue with that statement.
2:46
[SPEAKER_01]: I'm not.
2:48
[SPEAKER_01]: Here is the part though that the math is going to leave out.
2:52
[SPEAKER_01]: It assumes that you actually are going to finish.
2:59
[SPEAKER_01]: assumptions.
3:02
[SPEAKER_01]: And there is real research on this.
3:04
[SPEAKER_01]: I think it is the journal of marketing research back in 2012.
3:10
[SPEAKER_01]: They went looking for the actual study, the actual person, or actually prediction whether a person wiped out their whole dead.
3:21
[SPEAKER_01]: And it was not the interest rate they started on.
3:25
[SPEAKER_01]: it was whether they closed the account, whether they got to watch something hit zero and the dollar size of the account did not even matter.
3:36
[SPEAKER_01]: Hmm, interesting.
3:40
[SPEAKER_01]: So you're going to know the interest rate.
3:45
[SPEAKER_01]: You're just not going to let them set the particular order.
3:51
[SPEAKER_01]: Because a plan I have to say to is a plan that you quit, it returns 0% back to your pocket.
3:57
[SPEAKER_01]: No matter what the interest rate was.
4:00
[SPEAKER_01]: So I want to give you five steps and I want to get straight into step number one that I believe is going to help you.
4:07
[SPEAKER_01]: really change your financial situation within the next 18 to 24 months.
4:11
[SPEAKER_01]: So, set one.
4:12
[SPEAKER_01]: Before one extra dollar goes towards your debt, you're going to put one month of your take on pay inside of a high yield savings account.
4:21
[SPEAKER_01]: I said take home, not one month of your bills, not one month of your year essentials, not one month of your expenses, one month of the number that actually lands inside of your bank account on payday.
4:33
[SPEAKER_01]: I need to go pull up your last to write deposit because that is going to be your target right there.
4:39
[SPEAKER_01]: 10 seconds and you do not need a budget to find it, you already know it.
4:45
[SPEAKER_01]: Not a flat dollar amount either.
4:47
[SPEAKER_01]: One thousand dollars is a whole month for one person and nine days for another.
4:53
[SPEAKER_01]: Your number comes off of your own paycheck.
4:55
[SPEAKER_01]: It comes off of what you and your family has.
4:59
[SPEAKER_01]: Now, when I say one month of your take home pay, let's say you are married.
5:03
[SPEAKER_01]: And let's say you have two, a husband and a wife, wife and a husband, right?
5:07
[SPEAKER_01]: The net means if she makes 5,000, you make 5,000, you need to have $10,000 of your take home pay sitting inside the savings account.
5:16
[SPEAKER_01]: Now, I'm gonna set this again.
5:17
[SPEAKER_01]: What does that money go?
5:18
[SPEAKER_01]: It goes into a high-year sales account.
5:21
[SPEAKER_01]: At a bank, you do not already use.
5:23
[SPEAKER_01]: That you do not see on a daily basis or even a monthly basis.
5:27
[SPEAKER_01]: That has a separate law again and watch this has no visa card attached to it.
5:32
[SPEAKER_01]: Because I don't want you to have too much of an easy access to it because it's only supposed to be used for an emergency account.
5:40
[SPEAKER_01]: Now, let me tell you why I'm strict about this.
5:44
[SPEAKER_01]: The lowest my account ever got, which is embarrassing, was almost a negative $1,000.
5:50
[SPEAKER_01]: I was living in Jacksonville, Florida at the time.
5:53
[SPEAKER_01]: It wasn't a low balance.
5:55
[SPEAKER_01]: It was overdrawn with the fee sitting on top of it.
6:00
[SPEAKER_01]: And what put me there was not some big dramatic emergency.
6:04
[SPEAKER_01]: If I'm being honest and vulnerable and just try as parent, it was a normal month with nothing behind it.
6:11
[SPEAKER_01]: I'm trying to have a good time.
6:13
[SPEAKER_01]: I'm trying to have a good weekend with my boys.
6:15
[SPEAKER_01]: I'm trying to impress the ladies and not over-drrew my account.
6:20
[SPEAKER_01]: And somebody watching this has already done this step once.
6:25
[SPEAKER_01]: You got to and month the pay.
6:28
[SPEAKER_01]: Something happened at nine o'clock at night that felt like an emergency.
6:33
[SPEAKER_01]: And by Saturday, it did not look like one anymore.
6:37
[SPEAKER_01]: So you use the test.
6:41
[SPEAKER_01]: If you can wait 48 hours, if it's not an emergency, y'all, it's a purchase.
6:48
[SPEAKER_01]: So step one, does not make you a less money.
6:52
[SPEAKER_01]: Step one is what keeps the three, watch this, step three, for resetting on UM15.
7:00
[SPEAKER_01]: And we don't get there.
7:02
[SPEAKER_01]: We don't get there, you gotta keep it locked.
7:06
[SPEAKER_01]: If your job matches your retirement contributions, you're going to invest exactly enough to capture a hundred percent of that match.
7:13
[SPEAKER_01]: Why are you still paying off, yes, you're a consumer debt, and then you're going to stop.
7:19
[SPEAKER_01]: I'm going to say this one more time.
7:20
[SPEAKER_01]: You're going to invest up until the match, and you're going to stop, and you're still going to be attacking your consumer debt.
7:26
[SPEAKER_01]: Let me be very precise because this is the step people get wrong in both directions, and both directions.
7:32
[SPEAKER_01]: a match is not an investment return.
7:35
[SPEAKER_01]: A match is compensation.
7:38
[SPEAKER_01]: It is part of what you were hired for and at.
7:42
[SPEAKER_01]: When employers say they will match you up to 4%, that 4% is already yours the moment you reach for it and the only way to not have it is to not reach.
7:54
[SPEAKER_01]: So when I hear people say, oh, stop investing altogether, I might wait a minute, that 4% that match is a part of my salary.
8:01
[SPEAKER_01]: I need to get that every opportunity that I can.
8:06
[SPEAKER_01]: So turning down a match to pay off debt faster is taking a pay cut to pay off debt faster.
8:14
[SPEAKER_01]: Those two things pull against each other and you do not have to choose.
8:23
[SPEAKER_01]: Here's exactly what I want you to do.
8:26
[SPEAKER_01]: Pull up your plan, like you're off for letter, right?
8:30
[SPEAKER_01]: And find a match.
8:31
[SPEAKER_01]: For most people, lands in between, I will say three and five percent.
8:35
[SPEAKER_01]: My company, we do four percent.
8:37
[SPEAKER_01]: Set your contribution to that number and not a dollar higher, only if you're in consumer debt, though.
8:44
[SPEAKER_01]: That's important.
8:46
[SPEAKER_01]: So if you're sitting, let's say for example, if you're sitting at 10% or 15% right now, you are coming down to the match at 3 to 5%.
8:55
[SPEAKER_01]: And the money you free up does not go back into your life.
9:00
[SPEAKER_01]: It goes into step three.
9:03
[SPEAKER_01]: Everything else, and today's episode, waits its turn.
9:07
[SPEAKER_01]: This one does not wait because this one is not yours to postpone.
9:12
[SPEAKER_01]: It's already yours.
9:13
[SPEAKER_01]: It's already a part of your salary pay.
9:16
[SPEAKER_01]: So go get your money.
9:19
[SPEAKER_01]: Let me say this upfront.
9:20
[SPEAKER_01]: Let me, let me say this.
9:24
[SPEAKER_01]: For years, I said stop all investing.
9:31
[SPEAKER_01]: And I apologize, I have evolved, I have learned, I have matured, I take full accountability for everything that I said in the past, not that it was wrong.
9:41
[SPEAKER_01]: I don't think there is absolutely not the wrong for it, but can I say this respectfully?
9:45
[SPEAKER_01]: Black people, we need all the help that we can get.
9:49
[SPEAKER_01]: And if your company is offering you four percent, you're going to get that four percent, even while you're paying debt.
9:58
[SPEAKER_01]: That's the only way we can narrower the wealth count, which leads me over to step three.
10:03
[SPEAKER_01]: And this is the engine, so I need you to really lock in with me on this one.
10:09
[SPEAKER_01]: Harlan said this.
10:11
[SPEAKER_01]: Most people have never written their debts down in one place.
10:18
[SPEAKER_01]: They know the payments.
10:20
[SPEAKER_01]: They feel the payments every single month.
10:21
[SPEAKER_01]: Let's be honest.
10:23
[SPEAKER_01]: but they have never seen all of it on one page in one app, in order.
10:28
[SPEAKER_01]: And that is the part of why it feels endless.
10:36
[SPEAKER_01]: I gotta be real with you.
10:37
[SPEAKER_01]: Before I say anything goes, this does not replace the death snowball.
10:42
[SPEAKER_01]: This does not replace living below your means.
10:44
[SPEAKER_01]: What I teach still stands, period.
10:48
[SPEAKER_01]: But if you are caring more than I would say about $20,000 in consumer debt and you feel stuck, I want you to know there is an additional resource that can help you get that free a little bit quicker.
11:01
[SPEAKER_01]: I've had the opportunity to partner with some trusted debt relief companies, and what I'm asking you to do is simple.
11:06
[SPEAKER_01]: Go to anthonyo.com for sastet relief, fill out the free application is going to take you literally three minutes, and just have a conversation, ask the hard questions, be completely honest about your current situation, and then don't you think about it, do not rush it, do not sign anything on the spot, don't even give them any money, just take your time to think about it.
11:26
[SPEAKER_01]: This is just a tool, one more option on a table, but you'll never know if it can help you unless you have the honest kind of recession.
11:34
[SPEAKER_01]: It's zero cost to apply, there's zero obligations.
11:37
[SPEAKER_01]: It's just not continuing to get some more information to help you journey.
11:41
[SPEAKER_01]: The link is in the show notes, go to amphonyo.com for slash debt relief, and as always, let's get you out of the red and into the black.
11:49
[SPEAKER_01]: Let's get back to today's show.
11:52
[SPEAKER_01]: So, what I need you to do is write down every consumer that you have, are your credit cards, personal loans, the car notes, the student loans, and put them in order from the smallest balance to the largest balance.
12:05
[SPEAKER_01]: Smallest balance to the largest balance.
12:10
[SPEAKER_01]: Not the highest interest rate.
12:12
[SPEAKER_01]: I'm talking about the balance.
12:16
[SPEAKER_01]: The minimum payments.
12:19
[SPEAKER_01]: is what you need to be making on every one of them except for the smallest.
12:24
[SPEAKER_01]: And every extra dollar you can find lands on the smallest one until it is at zero.
12:31
[SPEAKER_01]: I wanna walk you through some real numbers real quick because this part has to make sense.
12:36
[SPEAKER_01]: I need you to see it.
12:38
[SPEAKER_01]: Let's say you have three debts.
12:40
[SPEAKER_01]: A $500, I will say store card, a $2400 credit card, and then a $8,000 card note.
12:48
[SPEAKER_01]: The minimums are $25, $60 in $280.
12:52
[SPEAKER_01]: And after your bills, you found an extra $300 a month, because we're going through the budget, we're seeing what we can find.
12:59
[SPEAKER_01]: We're gonna take that extra money.
13:03
[SPEAKER_01]: So the store cart gets $25 plus the $300.
13:05
[SPEAKER_01]: That is $325 a month, going to a $500 balance.
13:08
[SPEAKER_01]: That cart is going wet in two months.
13:17
[SPEAKER_01]: Now we have excitement.
13:20
[SPEAKER_01]: Now here is the part that people are going to miss.
13:23
[SPEAKER_01]: That 25 minimum does not go back into your account, does not even go back into your life.
13:30
[SPEAKER_01]: You don't even see it because it's going to roll.
13:34
[SPEAKER_01]: So now the credit card now gets its own $60 plus the 25 dollars you've freed up from the previous account plus the $300.
13:43
[SPEAKER_01]: So now you're doing $385 a month.
13:44
[SPEAKER_01]: So now you pay off the credit card.
13:51
[SPEAKER_01]: quicker.
13:52
[SPEAKER_01]: Now the car note gets his $280, plus the $60, plus the $25, plus the $300, now you're paying $665 a month on an $8,000 car note.
14:07
[SPEAKER_01]: I want you to say that number with me.
14:08
[SPEAKER_01]: You started out putting $325 a month at your debt.
14:13
[SPEAKER_01]: By the time you reached the biggest one, you're throwing $665 at you.
14:19
[SPEAKER_01]: and you did not earn one extra dollar to do it.
14:23
[SPEAKER_01]: It's the same paycheck, it's the same job, it's the same individual, it's the same hours of working.
14:29
[SPEAKER_01]: You just stop letting the freed up money leak back.
14:35
[SPEAKER_01]: That's why the order holds every account you close hands is payment to the next one.
14:41
[SPEAKER_01]: So this thing gets faster and, well, I'll say, the thing gets faster, the longer you stay in it, which is the opposite of how every other month of your financial life has felt.
14:53
[SPEAKER_01]: That's beyond us.
14:54
[SPEAKER_01]: You don't really see no momentum.
14:56
[SPEAKER_01]: You don't really see any excitement.
14:57
[SPEAKER_01]: You're like, wait, what, huh?
14:58
[SPEAKER_01]: What's going on?
14:59
[SPEAKER_01]: Why am I not seeing change?
15:01
[SPEAKER_01]: Because you're not doing this order.
15:03
[SPEAKER_01]: You're not working the right strategy in order.
15:08
[SPEAKER_01]: Let me talk to one particular person.
15:11
[SPEAKER_01]: Somebody watching this is five months in, and you just find out something.
15:20
[SPEAKER_01]: I'm not gonna spend any time making you feel bad about it.
15:25
[SPEAKER_01]: Because I want you to understand the mechanism because it is worse than what people honestly think.
15:32
[SPEAKER_01]: A new payment does not just slow your snowball down.
15:36
[SPEAKER_01]: It honestly uniroles it.
15:39
[SPEAKER_01]: All that money you worked five months to free up now has a new owner and it has the owner free years.
15:48
[SPEAKER_01]: You were almost close to becoming free, but now you just extended your slavery sentence.
15:57
[SPEAKER_01]: Here's the way back in.
15:59
[SPEAKER_01]: It goes on a list at his balance.
16:03
[SPEAKER_01]: Same as everything goes.
16:05
[SPEAKER_01]: No separate category, no special treatment.
16:07
[SPEAKER_01]: You write it down with the others and you keep going.
16:12
[SPEAKER_01]: But you do not find as anything else at all.
16:18
[SPEAKER_01]: I'm gonna say it one more time.
16:19
[SPEAKER_01]: I don't know what we can edit this out.
16:21
[SPEAKER_01]: Mind them, see my face, and see my eyes.
16:25
[SPEAKER_01]: Stop financing things.
16:30
[SPEAKER_01]: Stop it.
16:30
[SPEAKER_01]: I'm gonna say one more time.
16:33
[SPEAKER_01]: Stop it.
16:35
[SPEAKER_01]: You need to honestly looking at your mirror and tell yourself, hey, we are no longer financing anything because we desire financial freedom.
16:45
[SPEAKER_01]: Please be in a step four.
16:47
[SPEAKER_01]: Your consumer debt is now at zero.
16:50
[SPEAKER_01]: And now the question is, what happens to this now $665, we've just freed up?
16:59
[SPEAKER_01]: Huh, because here's where people get in trouble.
17:03
[SPEAKER_01]: It's still showing up every month.
17:05
[SPEAKER_01]: The job did not change.
17:07
[SPEAKER_01]: The only thing that change is nobody is waiting on it anymore.
17:12
[SPEAKER_01]: And this is the month, most people quietly give it all back.
17:17
[SPEAKER_01]: not a bank just a slightly more expensive lifestyle or a fun weekend or a upgrading house or upgrading car.
17:28
[SPEAKER_01]: But you're not going to do that.
17:30
[SPEAKER_01]: You're going to take the same money.
17:31
[SPEAKER_01]: You're going to build at least a three to six month emergency account and you're going to put this inside of a high yield savings.
17:40
[SPEAKER_01]: I specifically call this the Freedom Exit number.
17:43
[SPEAKER_01]: This is because this is my emergency exit to where if I need to transition jobs, if I need to have the remuns of six months off, I can exit without my life even changing.
17:55
[SPEAKER_01]: And notice what I did not say.
17:57
[SPEAKER_01]: I did not say three or six months of essentials.
17:59
[SPEAKER_01]: I did not, I'm not teaching it.
18:02
[SPEAKER_01]: Not anymore.
18:05
[SPEAKER_01]: I don't want you to only focus on the bare minimum.
18:08
[SPEAKER_01]: I believe, and I've said it's some several shows that a person living scared takes the first thing that comes.
18:16
[SPEAKER_01]: A person living with their back against the wall tend to make harder and worse decisions.
18:23
[SPEAKER_01]: But if we can have a free mind to think clearly to process correctly, man will make better decisions.
18:31
[SPEAKER_01]: That is why I call it the exit number.
18:34
[SPEAKER_01]: Step one,
18:39
[SPEAKER_01]: out of a job, out of a city, out of whatever you've been tolerating because you could not afford six days of, of, of, of, I would say of, six days of quietness or even six days of quitting.
18:53
[SPEAKER_01]: This now buys you the time that you need to make the best calculated decision for your family.
19:03
[SPEAKER_00]: Now here's step five.
19:05
[SPEAKER_01]: We don't have any consumer debt.
19:07
[SPEAKER_01]: our exit number aka our emergency fund is now freedom.
19:12
[SPEAKER_01]: Now we got to get the toy to 15% of your gross income invested every single month with it being intentional and catch something.
19:24
[SPEAKER_01]: I just switched measuring sticks on you and I did it on purpose.
19:29
[SPEAKER_01]: Your emergency fund is measured
19:34
[SPEAKER_01]: You're investing is measured in gross income.
19:39
[SPEAKER_01]: One of these, I would say one of those answers, whether you survive the month, the other answers, whether you are building anything.
19:48
[SPEAKER_01]: Take a look at that.
19:51
[SPEAKER_01]: There's three things that I've learned in this business.
19:54
[SPEAKER_01]: Your income tells me how much money you make.
19:57
[SPEAKER_01]: Your margin tells me what you can build.
20:01
[SPEAKER_01]: Not only can your margin tell me what you could build, but your margin also should tell me what you can protect.
20:08
[SPEAKER_01]: So if you can protect yourself for a month, for three months, for six months, and now protect your future self, now we're talking about the path to freedom.
20:21
[SPEAKER_01]: But what does the money come from?
20:23
[SPEAKER_01]: It's the same 6006 $5 that we just release from that example.
20:28
[SPEAKER_01]: Plus, whatever you pull back above, the match and step two.
20:31
[SPEAKER_01]: Twist on all at the same time.
20:36
[SPEAKER_01]: Now, you want me to name a fun.
20:39
[SPEAKER_01]: And I know you do.
20:40
[SPEAKER_01]: I made a whole video as they just think a couple of weeks ago that talks about, hey, where can you start?
20:47
[SPEAKER_01]: Never single month, we sit down with our investing expert Courtney and he's giving us things to look into.
20:55
[SPEAKER_01]: But notice this step, it's not just finish line.
21:01
[SPEAKER_01]: And this is why it's last.
21:04
[SPEAKER_01]: Every step before it has a target to hit and close, this one is just going to keep running.
21:12
[SPEAKER_01]: Because we got to keep fueling our future, every time we get paid, every time we get some extra money, every time I get a bonus from my company, I make sure I invest a portion of it, and I make sure that I honestly give a portion of it.
21:28
[SPEAKER_01]: So let me hand this back to you in reverse.
21:32
[SPEAKER_01]: because I believe this is a part where a lot of you are going to get it wrong.
21:37
[SPEAKER_01]: Before we chase wealth, before we put 15% of our growth income into building wealth, we need to make sure that we have protection.
21:45
[SPEAKER_01]: Three or six months, I'll be take on pay sitting aside and emergency.
21:50
[SPEAKER_01]: Before you build that, every consumer debt excluding your mortgage,
21:55
[SPEAKER_01]: needs to be a zero, all right.
21:58
[SPEAKER_01]: Before you do that, you have to capture at least a hundred percent of your employer's match and not $1 dollar more.
22:06
[SPEAKER_01]: And before any of it, we need to have a starter breathing room of one month of retake on pace sitting inside of a high yield savings.
22:18
[SPEAKER_01]: So.
22:20
[SPEAKER_01]: First, the month of your take home.
22:23
[SPEAKER_01]: Second, the match.
22:25
[SPEAKER_01]: Third, get out of consumer debt.
22:27
[SPEAKER_01]: Fourth, get a full exit number taken care of.
22:30
[SPEAKER_01]: And fit, start building towards your future.
22:34
[SPEAKER_01]: Five steps.
22:37
[SPEAKER_01]: Five steps.
22:40
[SPEAKER_01]: Five steps.
22:44
[SPEAKER_01]: Listen.
22:50
[SPEAKER_01]: may seem a little confusing.
22:52
[SPEAKER_01]: So if you want help walking this out instead of watching somebody explain it, if you really want to be a part of a community to where you can get around others who are doing this same thing as you, if you really want to be connected with individuals that you know what Anthony you're right, I've started getting out of debt so many times, but I, I, I
23:14
[SPEAKER_01]: I'll get three months in, I'll quit some of the reason I fall behind.
23:19
[SPEAKER_01]: Do you know why that happens because you don't have accountability?
23:24
[SPEAKER_01]: You don't have someone screaming at you to be honest.
23:27
[SPEAKER_01]: You don't have someone praying with you to be honest.
23:30
[SPEAKER_01]: You don't have someone rooting you want to be honest.
23:33
[SPEAKER_01]: This is why my company and I, we've created our small group of community called The Freedom Circle.
23:38
[SPEAKER_01]: You can go to alfreedomcircle.com.
23:41
[SPEAKER_01]: There's three phases to this day and the first phase is 100% free.
23:44
[SPEAKER_01]: We got progress, trackers on there.
23:47
[SPEAKER_01]: We have tools to help you get out, the second phase is $39 a month, or you can jump on our weekly calls and master classes that we have, you will be a part of our challenges, you will be a part of our accountability groups, and you'll be a part of our quarterly small meetups.
24:04
[SPEAKER_01]: That's $39.
24:05
[SPEAKER_01]: Then the third phase is not from really released that just ship.
24:08
[SPEAKER_01]: We're probably released that in the fall of 2027.
24:11
[SPEAKER_01]: But man, we're doing something big within this community.
24:15
[SPEAKER_01]: This is not a program.
24:16
[SPEAKER_01]: It is honestly a room of like-minded individuals who really want to become solid and have freedom.
24:27
[SPEAKER_01]: So we're going to link it inside the show notes, aofridumcircu.com.
24:31
[SPEAKER_01]: I would love to see you there.
24:33
[SPEAKER_01]: I would love to see what you're doing because by 254 they said that African Americans will have zero to negative net worth.
24:42
[SPEAKER_01]: Zero to negative net worth.
24:47
[SPEAKER_01]: I said, that's not going to be my community and that's not going to be my people.
24:51
[SPEAKER_01]: I'm really excited about what we're doing and this is why when I see people say, oh man, pay off the highest interest first, yes, the math makes sense, but we do not have a math problem.
25:01
[SPEAKER_01]: We have a momentum problem, we have an emotional problem, we're tied to this and think about it.
25:10
[SPEAKER_01]: If the math actually made sense,
25:16
[SPEAKER_01]: Would you be in as much debt as you're in right now?
25:21
[SPEAKER_01]: No.
25:23
[SPEAKER_01]: No.
25:26
[SPEAKER_01]: The people who are in my community right now, on average we will see them become debt free within 18 to 24 months.
25:36
[SPEAKER_01]: Come join us.
25:37
[SPEAKER_01]: Let us help you change your financial situation in next 18 months.
25:43
[SPEAKER_01]: Show us what's in mind.
25:45
[SPEAKER_01]: and I'll see you in a freedom circle.
25:48
[SPEAKER_01]: Peace out.