Latest / The Table with Anthony ONeal / Wealth Expert: These 5 Moves Grow Your Net Worth to $100K+ (Most People Ignore #3!)

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Wealth Expert: These 5 Moves Grow Your Net Worth to $100K+ (Most People Ignore #3!) · The Table with Anthony ONeal

0:00
[SPEAKER_01]: Here's a truth, and 2026, most people think building wealth is about making more money, but the truth is about how much you can keep.
0:14
[SPEAKER_01]: If you're tired of filling stuck, living paycheck to paycheck, today's episode is going to be for you because today I'm going to be breaking down the five moves that actually grow your network backed by real stats, real stories and real results that I believe is going to be super super super super powerful I was saying all right.
0:36
[SPEAKER_01]: And so I'm going to get straight into it on today.
0:38
[SPEAKER_01]: I'm going to get straight into it on today.
0:39
[SPEAKER_01]: Let's start with the 1% rule.
0:42
[SPEAKER_01]: This is one of the fastest ways to build your network, especially if you're under $100,000 of income on a annual basis.
0:52
[SPEAKER_01]: Now, what exactly is this?
0:56
[SPEAKER_01]: if a discretionary purchase is more than 1% of your net worth pause.
1:01
[SPEAKER_01]: If your net worth let's say is $60,000, that means any purchase over $600, right?
1:10
[SPEAKER_01]: Let's say if it's 75,000,
1:12
[SPEAKER_01]: you're going to pause at $750.
1:15
[SPEAKER_01]: You see, I was doing some research and I realized and I found a step.
1:20
[SPEAKER_01]: It said, according to a 2025 credit-commerce study, 67% of Americans do not track their network, and most overspend on little purchases that add up to thousands a year.
1:36
[SPEAKER_01]: So, this is saying, if you have, like we said, $60,000, the one percent of that is your discretionary funds.
1:47
[SPEAKER_01]: Anything above that, I need you to stop.
1:50
[SPEAKER_01]: I need you to stop and think about it because here's why this matters.
1:54
[SPEAKER_01]: If you make a $600 purchase every month, that $7,200 a year.
1:59
[SPEAKER_01]: That's 12% of your net worth going.
2:03
[SPEAKER_01]: Over 20 years, watch this, that's gonna add up to about $455,000 going.
2:11
[SPEAKER_01]: So that's not just money loss, that's financial freedom loss.
2:16
[SPEAKER_01]: You feel me?
2:17
[SPEAKER_01]: I know I'm coming in hot today, I'm coming in hard today, but here's how you use the 1% rule.
2:24
[SPEAKER_01]: Before any big purchase, ask this one question, is this over my 1% of my network?
2:33
[SPEAKER_01]: and wait at least 72 hours before buying.
2:36
[SPEAKER_01]: Then you're going to go into your end-of-black app and you're going to track your network every single month when you update it, all right?
2:44
[SPEAKER_01]: Now, I want to tell y'all about this particular story.
2:48
[SPEAKER_01]: When I was broke, and I was living in the back of my car, every $100 felt like a lifetime.
2:54
[SPEAKER_01]: But when I started using a 1% rule, I realized how many little purchases I was making that was actually stealing from my financial future.
3:06
[SPEAKER_01]: So I had to quickly, and I mean, it's quickly realized that my spinning habits was the reason why my future
3:19
[SPEAKER_01]: was being taken away.
3:22
[SPEAKER_01]: It wasn't because of the government.
3:24
[SPEAKER_01]: It wasn't because of President Donald Trump.
3:26
[SPEAKER_01]: It wasn't because of the white man.
3:28
[SPEAKER_01]: It wasn't because of my friends or my peers.
3:32
[SPEAKER_01]: Oftentimes, we want to blame someone else for the poor decisions that we make, but we refuse to look at our budget and then we refuse to look and see that, wow, I'm actually spending more money.
3:49
[SPEAKER_01]: more money on small purchases, every single week, every single month.
4:00
[SPEAKER_01]: that's not okay.
4:02
[SPEAKER_01]: And we got to get to a point to where we know how to be honest with ourselves.
4:10
[SPEAKER_01]: It's 26 and I asked myself that now for anything that I spend over $500.
4:16
[SPEAKER_01]: I'm actually less than one percent.
4:18
[SPEAKER_01]: Anything that costs over $500, I wait.
4:23
[SPEAKER_01]: Anything that costs over $5,000, I taught
4:31
[SPEAKER_01]: And here's why, Anthony, why are you doing that?
4:33
[SPEAKER_01]: You know, you're debt free, and you know, you've been blessed and you make money because if I wake up and if I could just throw away a thousand two thousand dollars three thousand dollars a month, that's the number between twelve to almost forty thousand dollars a year.
4:52
[SPEAKER_01]: That invested is millions away from my future.
4:58
[SPEAKER_01]: So I'm holding myself accountable.
5:00
[SPEAKER_01]: I'm opening up my end-of-black app every single day.
5:04
[SPEAKER_01]: And I'm looking at, okay, wait, my network is going up.
5:07
[SPEAKER_01]: Okay, I got some discretionary funds I can use.
5:09
[SPEAKER_01]: But just because I have, watch this, the discretionary funds doesn't mean that I have to use it.
5:18
[SPEAKER_01]: Doesn't mean that.
5:22
[SPEAKER_01]: Doesn't mean that.
5:24
[SPEAKER_01]: What happens to your family if something happened to you?
5:29
[SPEAKER_01]: I'm gonna ask out again.
5:29
[SPEAKER_01]: What happens to your family when something happens to you?
5:33
[SPEAKER_01]: You see, life insurance feels scared.
5:35
[SPEAKER_01]: It feels complicated and even expensive.
5:38
[SPEAKER_01]: But here's the thing, it doesn't have to be anymore.
5:42
[SPEAKER_01]: Most of us are walking around with no life insurance policy but we have a name brand item.
5:49
[SPEAKER_01]: Thinking, I'm young, I'm healthy, I got time.
5:53
[SPEAKER_01]: And I want to be honest with you, I'm so sorry.
5:56
[SPEAKER_01]: That's not faith.
5:57
[SPEAKER_01]: That is pure foolishness.
6:00
[SPEAKER_01]: Here's what I love about my friends already, those.
6:02
[SPEAKER_01]: They've made getting term life insurance 100% simple.
6:07
[SPEAKER_01]: No medical exams, no waiting weeks for approval.
6:10
[SPEAKER_01]: You can get a quote online in literally 10 minutes like myself and get approved the exact same day.
6:15
[SPEAKER_01]: We're talking coverage from $100,000 up to $2 million with absolutely no blood work for way less than what you actually think.
6:24
[SPEAKER_01]: Term life insurance is pure protection.
6:27
[SPEAKER_01]: at a fraction of the cost of whole life insurance.
6:31
[SPEAKER_01]: Look, I healthy 30-year-old can get a 500,000 policy for about $25 a month.
6:36
[SPEAKER_01]: That's less than your Netflix and Spotify combined.
6:40
[SPEAKER_01]: Listen, your family deserves to be protected.
6:45
[SPEAKER_01]: Don't leave them struggling to pay bills and funeral costs because you kept putting this off while you're in heaven, smiling.
6:54
[SPEAKER_01]: your family's diet or stress because of your poor decisions.
6:57
[SPEAKER_01]: Let's stop playing games with your family's future.
7:00
[SPEAKER_01]: Get your free quote today in 10 minutes by going to AnthonyoNeo.com for Sashito's.
7:06
[SPEAKER_01]: Again, go to AnthonyoNeo.com for Sashito's and our promise you will fill way better.
7:16
[SPEAKER_01]: I'll sleep better at night.
7:18
[SPEAKER_01]: All right, let's get back to today's show.
7:22
[SPEAKER_01]: Here's what you're meant to.
7:24
[SPEAKER_01]: We got to get two points where we're going to stop trading time for money, because here's the truth.
7:28
[SPEAKER_01]: You'll never build real wealth, exchanging your time for money for the rest of your life.
7:34
[SPEAKER_01]: Even doctors and lawyers making $300 to $500 an hour often aren't building wealth.
7:40
[SPEAKER_01]: They're just upgrading their lifestyle.
7:44
[SPEAKER_01]: Say it again.
7:45
[SPEAKER_01]: They're making good money, but they're upgrading their lifestyle to master money.
7:49
[SPEAKER_01]: Linda Tree came out with a stat in 2025 and found that 43% of Americans rely on side hustles just to survive.
7:58
[SPEAKER_01]: But only 12% are building equity or ownership.
8:09
[SPEAKER_01]: So what move?
8:11
[SPEAKER_01]: So we should be making.
8:13
[SPEAKER_01]: We need equity by the line.
8:15
[SPEAKER_01]: We need to own a piece of business.
8:17
[SPEAKER_01]: We need to be investing.
8:18
[SPEAKER_01]: We need to be building a brand that pays you even when you're not working.
8:25
[SPEAKER_01]: Even when you're not working.
8:27
[SPEAKER_01]: One of my friends just asked me to say, Anthony, you know, this new generation we're seeing that content creation.
8:32
[SPEAKER_01]: And then we're seeing that building a brand online is honestly paying people a lot of money.
8:40
[SPEAKER_01]: What is one of the greatest things about content creation?
8:49
[SPEAKER_01]: When it comes to income, says easy.
8:57
[SPEAKER_01]: I said, this is going to be the plus and it's going to be the negative.
9:02
[SPEAKER_01]: You see, for me, I've been able to build a brand that has over millions of people who are aware of my brand who follow the brand.
9:09
[SPEAKER_01]: But the bottom line is, people will pay to get access to you all.
9:17
[SPEAKER_01]: And what I have to do is I have to be a good gatekeeper and make sure that the people
9:25
[SPEAKER_01]: that it is honestly something valuable that you are can use.
9:32
[SPEAKER_01]: Because I was telling my friends this, I said, man, in the month of July, I'll take off for the entire month.
9:37
[SPEAKER_01]: So my team and I've been coming here and we shoot, you know, and we're adding the ads for that particular month inside the shows.
9:44
[SPEAKER_01]: And so when I am going, when I'm on vacation, when I'm on sabbatical, when I'm going after the things and just resetting my mind and resetting my spirit and just unplugging from the world for a little while, my brand is still making income.
9:58
[SPEAKER_01]: And I do not have to show up to work eight hours a day.
10:04
[SPEAKER_01]: So while I'm asleep, while I'm on vacation, while I am in school, and while I am resetting, while I am resting, I am at a point in my life to where my business is producing income while I am sleeping.
10:22
[SPEAKER_01]: I am no longer at a point to where my income is only determined by how much time I put in every single day.
10:30
[SPEAKER_01]: So how can you all do this?
10:32
[SPEAKER_01]: Simple.
10:33
[SPEAKER_01]: Very first thing is, how about you start a side business or a freelance gig?
10:39
[SPEAKER_01]: This could be anything from Jumping Online.
10:41
[SPEAKER_01]: I was on the Marissa Mitchell show yesterday here on Fox.
10:45
[SPEAKER_01]: And she said, Anthony, what is a good way right now to generate income?
10:49
[SPEAKER_01]: Well, one of the best ways to generate income is like I said a side business or freelance gig, but around specifically, automations and AI.
10:58
[SPEAKER_01]: If you could take a boot camp anywhere from zero up to $2,000, and then if that boot camp, if you do the research, this boot camp that we honestly promote, which is the AI of automations, it's going to be about a $2,000 investment, but within 12 months, you can make anywhere between 10 to $20,000 when you're income.
11:17
[SPEAKER_01]: So you're going to 10 to 15x your investment.
11:24
[SPEAKER_01]: And that's the rule.
11:25
[SPEAKER_01]: If you're going to start a business or a freelance gig and you're going to take a course for it, make sure whatever you pay for, you can at least, I would say, triple that in your income.
11:37
[SPEAKER_01]: So bare minimum, you're going to pay $2,000 for this boot camp or for this certification.
11:42
[SPEAKER_01]: You need to make at least $6,000 within a 12 month period of graduating from that boot camp.
11:52
[SPEAKER_01]: We're going to drop the the the the booth camp.
11:55
[SPEAKER_01]: Go to Anthony onel.com for slash AI automation and click on that.
12:00
[SPEAKER_01]: I'm telling you right now is one of the best ways to help you build your net worth because you've got to generate some income and we got to get to a point to where we're not generating income just to survive but we're generating income to buy back our time.
12:12
[SPEAKER_01]: Listen, family, AI is not the future.
12:14
[SPEAKER_01]: It is honestly right now.
12:16
[SPEAKER_01]: You see, if you're still trying to figure out how to get ahead, but you're stuck trading time for money, you're already behind.
12:23
[SPEAKER_01]: That's why I really want you to check out the AI automation boot camp from my friends over at Carreras.
12:30
[SPEAKER_01]: You see, this isn't just another tech course.
12:33
[SPEAKER_01]: This is a step-by-step hands-on program that teaches you how to use AI to automate real business tax, no coding required.
12:42
[SPEAKER_01]: You'll learn that exact skills companies are desperate to hire for it.
12:46
[SPEAKER_01]: And you'll build a portfolio that gets you paid.
12:49
[SPEAKER_01]: And I'm not talking about average pay.
12:51
[SPEAKER_01]: I'm talking about like 90,000 to 140,000 dollars a year.
12:54
[SPEAKER_01]: Or side income you can run from home.
12:57
[SPEAKER_01]: That is absolutely amazing.
12:59
[SPEAKER_01]: You don't have to guess what to do next.
13:01
[SPEAKER_01]: They walk you through every step of the way.
13:03
[SPEAKER_01]: Here's what I love.
13:04
[SPEAKER_01]: You get a real career coach Until you land.
13:07
[SPEAKER_01]: Let's say your first job or you launch that business.
13:09
[SPEAKER_01]: Listen, if you want to stop watching AIPS view by and start using it to build well
13:16
[SPEAKER_01]: Go to amphonyonil.com for slash AI automation and get started today.
13:20
[SPEAKER_01]: Again, that is amphonyonil.com for slash AI automation.
13:25
[SPEAKER_01]: Please don't get left behind, family.
13:28
[SPEAKER_01]: Go check it out and I promise you, you'll thank me later.
13:31
[SPEAKER_01]: Here's another way of how you can really do this.
13:33
[SPEAKER_01]: Invest in index funds or real estate, right?
13:38
[SPEAKER_01]: Right now you all know me, I'm actually buying real estate over in Ghana.
13:42
[SPEAKER_01]: I have two properties that I'm building right now because you all know I'm starting a financial literacy school over there, but I'm getting the beast print property for like $40,000, $48,000 to be exact.
13:53
[SPEAKER_01]: Then I have another one that's in the city.
13:55
[SPEAKER_01]: That's a little bit more right, but the strategy is this though.
13:59
[SPEAKER_01]: everyone's going to Ghana and everyone needs an Airbnb and everyone needs an apartment when they go to Ghana.
14:04
[SPEAKER_01]: So let me go ahead and get two investment properties.
14:06
[SPEAKER_01]: One of them I'm going to stay at when I'm there so I can continue learning about Ghana.
14:11
[SPEAKER_01]: Then I will eventually build the home that I will live in when I am in Ghana.
14:15
[SPEAKER_01]: But right now I'm thinking of equity.
14:17
[SPEAKER_01]: I'm thinking of ownership.
14:18
[SPEAKER_01]: I'm thinking of legacy.
14:23
[SPEAKER_01]: It's a matter of fact, if you want to go with us to Ghana, we have about 15 slots left.
14:27
[SPEAKER_01]: We're going to put that inside today's show notes, Anthony O'Neill dot com 4 slash travel.
14:32
[SPEAKER_01]: There's two opportunities you can go with this.
14:34
[SPEAKER_01]: And on both opportunities, we're going to take you on a real estate journey to where you can go there and you can learn about the real estate.
14:42
[SPEAKER_01]: You don't even have to live in Ghana, but you can be making an extra three to five to $10,000 a month.
14:54
[SPEAKER_01]: Here's another example that I really want to give you, that I think is very, very important.
14:59
[SPEAKER_01]: I know a school teacher, right?
15:02
[SPEAKER_01]: She teach during the day, but has a course online that's generating her in extra $1,500 a month.
15:10
[SPEAKER_01]: She's teaching other teachers, how to teach, how to come up with their class schedule, their class plan, how to work with different kind of mindsets when it comes to students.
15:22
[SPEAKER_01]: And college students who are in college, who are about to graduate and come into be a school teacher, she's literally helping them with their lesson plans down to the teeth.
15:33
[SPEAKER_01]: And she's making an extra $1,500 a month and she doesn't have to show up for it.
15:39
[SPEAKER_01]: It took her maybe two days to shoot it.
15:42
[SPEAKER_01]: Maybe $1,000 to invest into it.
15:45
[SPEAKER_01]: Now, all she does is just promote that she's a school teacher.
15:48
[SPEAKER_01]: She's been teaching for like 15 years.
15:51
[SPEAKER_01]: Here's everything I've learned for all new school teachers, and she's making some make some money.
15:57
[SPEAKER_01]: We are in a generation to where even my team members have taught me this.
16:03
[SPEAKER_01]: The Anthony, we shouldn't have to work as hard, but we should be working smart.
16:09
[SPEAKER_01]: And I believe that there is an equal balance to that, right?
16:13
[SPEAKER_01]: You do need to have a hard work ethic, but I have learned in this new generation, man, you gotta be smart.
16:19
[SPEAKER_01]: You gotta be using the tools and the resources that God has allowed to come into this generation, like AI, like tech stuff.
16:27
[SPEAKER_01]: You know, how do we get smart?
16:30
[SPEAKER_01]: How do we be more effective?
16:32
[SPEAKER_01]: And in the areas that we need to work harder in, let's work harder in that.
16:36
[SPEAKER_01]: But the days of you have to put in over time hours that you gotta do 15, 20 hours a day to make money is gone.
16:46
[SPEAKER_01]: It's not about just working harder.
16:49
[SPEAKER_01]: It is about how do we work smarter.
16:51
[SPEAKER_01]: It is.
16:53
[SPEAKER_01]: It is.
16:56
[SPEAKER_01]: It is.
16:59
[SPEAKER_01]: Here's number three, and best you'll win follows, is the every single year the majority of us are going to get a bonus, the majority of us are going to get a tax refund, or maybe even a small inheritance from a loved one that has passed away, and here's what I've learned most people spend it.
17:29
[SPEAKER_01]: Most people spend it.
17:30
[SPEAKER_01]: I had the opportunity to speak at a church here a few weeks ago and the young lady asked me she said, hey, I'm getting $6,000 back on my tax refund.
17:43
[SPEAKER_01]: I'm thinking about spending $4,000 of that watch this on a vacation and then I'm gonna put $2,000 of that towards my debt.
17:51
[SPEAKER_01]: And I said, well, number one, I'm not excited about you getting a $6,000 refund.
17:58
[SPEAKER_01]: I said, but number two, you are getting a $6,000 refund.
18:02
[SPEAKER_01]: Why are you going to spend $4,000 of that on a vacation that is going to be going?
18:13
[SPEAKER_01]: And I simply told her, I said, you'll listen, if you want to grow your network fast,
18:19
[SPEAKER_01]: You need to invest 90% of that windfall.
18:23
[SPEAKER_01]: And in her situation, the investing is not necessarily investing into, you know, the stop market is investing that into her debt.
18:31
[SPEAKER_01]: So she can stop paying interest out and position herself to start receiving interest.
18:41
[SPEAKER_01]: One of the greatest things that I do, that I honestly love,
18:46
[SPEAKER_01]: is that I pretend like I do not get a pay raise.
18:49
[SPEAKER_01]: In 2026, I gave myself a little pay raise with the help of my financial advisor and our operating CF vote.
18:58
[SPEAKER_01]: So we paid me just a little bit more.
19:02
[SPEAKER_01]: Well, honestly, it goes into my check-in account, but then I just automatically set that up and I put that inside of one of my high-o sales account.
19:10
[SPEAKER_01]: I'm acting like it's not even there.
19:16
[SPEAKER_01]: Not even there.
19:20
[SPEAKER_01]: Why?
19:21
[SPEAKER_01]: Because I have goals, I have dreams.
19:22
[SPEAKER_01]: I'm trying to build an Africa.
19:24
[SPEAKER_01]: One day, I'm trying to position myself to beat, to be married.
19:32
[SPEAKER_01]: That's the truth.
19:34
[SPEAKER_01]: You see, according to the IRS, the average tax refund in 2025 was right around $31.00.
19:40
[SPEAKER_01]: If you invest 90% of that every single year for 20 years, that say at an average 7% growth, you'll have over $100,000.
19:48
[SPEAKER_01]: That's on the low end.
19:50
[SPEAKER_01]: When we know the stock market has done anywhere between 10 to 12% over the last 50 years, so you'll have way more than that.
19:58
[SPEAKER_01]: But here's how you do it.
20:00
[SPEAKER_01]: I want you to take 10% for fun.
20:02
[SPEAKER_01]: I know, I know.
20:03
[SPEAKER_01]: Anthony, well, well, well, he used to be this aggressive get out of debt guy.
20:07
[SPEAKER_01]: I was, I was, but I do believe specifically for my community and us, that things for everybody.
20:16
[SPEAKER_01]: We work hard every single day.
20:18
[SPEAKER_01]: We live in America.
20:20
[SPEAKER_01]: So we need to have something that can reset our mental, that can reset our mind.
20:26
[SPEAKER_01]: So it wants you to take 10% and have fun with it.
20:29
[SPEAKER_01]: Go do whatever you want to do.
20:30
[SPEAKER_01]: Whether that's going to a restaurant, whether that's going on a nice little staycation, maybe that's getting a massage, a spa day for you and your spouse and your loved one.
20:40
[SPEAKER_01]: But the rest, I need you to put that to work for your future.
20:44
[SPEAKER_01]: You're going to set up automatic transfers to your investment account when you get that extra money.
20:49
[SPEAKER_01]: You're going to put that money towards your debt.
20:51
[SPEAKER_01]: You're going to put that money towards your kids if you're out of debt.
20:56
[SPEAKER_01]: If I'm being honest with you all, I used to spend every single bonus and commission check when I used to work for the collection agency.
21:04
[SPEAKER_01]: I used to call it on treat to myself out.
21:07
[SPEAKER_01]: If I'm being very honest with you, I used to go to the ship clubs.
21:12
[SPEAKER_01]: Get a drink, look at the ladies walking around, and I'll spend the money on them.
21:17
[SPEAKER_01]: One of the most immature things that I have ever done.
21:23
[SPEAKER_01]: From being the honest with you, man, I would take my bonus check and go buy new wheels.
21:27
[SPEAKER_01]: I bought, I remember one time, I bought spinning wheels and I put it on a 1987 Nissan maximum and that car couldn't even go on reverse, but when I stopped the wheels kept spinning.
21:42
[SPEAKER_01]: I remember one bonus check I was dating this young lady, man, I went and rented a Cadillac old school car.
21:49
[SPEAKER_01]: drove from Jacksonville floated to Atlanta, Georgia, rented a penthouse, took her shopping, came back home broke.
22:11
[SPEAKER_01]: You know what I think about some of the things that I've, I've, I've done.
22:18
[SPEAKER_01]: I get upset at myself, huh?
22:25
[SPEAKER_01]: Like, I get disappointed and some of the, some of the decisions that I made.
22:32
[SPEAKER_01]: Even now, I, I'm a little emotional to where I even want some tears to come out of my eyes.
22:40
[SPEAKER_01]: Because over the last, I would say a couple of years man, I'm just maturing and I'm evolving as a man.
22:47
[SPEAKER_01]: and these tears are not hurtful tears.
22:49
[SPEAKER_01]: These tears are like, man, why did you do that?
22:52
[SPEAKER_01]: Why did you spend that kind of, why did you blow this money?
22:55
[SPEAKER_01]: Why did you make this decision?
22:56
[SPEAKER_01]: Why did you let this relationship go?
22:58
[SPEAKER_01]: Why did you not listen to your parents?
23:01
[SPEAKER_01]: Like, like, and I think that's why I'm so passionate about this message.
23:08
[SPEAKER_01]: It's because I'm hoping that you all watching will listen to me, learn from my stupid mistakes.
23:18
[SPEAKER_01]: and avoid them.
23:25
[SPEAKER_01]: Because when I started investing my extra money, when I started being intentional about investing, man, I started seeing compound interest work in my favor and I started seeing that I went from the negative in the red to a positive to now to end the black in the green.
23:47
[SPEAKER_01]: Do you know how good it feels to be on this side?
23:54
[SPEAKER_00]: And then when I'm now on that, I'm on this side, I'm like, yo, I could have been further.
23:59
[SPEAKER_00]: I got millions, but I could have more millions.
24:05
[SPEAKER_00]: Anthony, what are you doing?
24:07
[SPEAKER_01]: This is why I'm at an HBCU teaching I were younger people.
24:16
[SPEAKER_01]: This is why I have no problem broadcasting and sharing my stupid and mature decisions that I've made.
24:39
[SPEAKER_01]: And this has nothing to do with money.
24:48
[SPEAKER_01]: And, of course, we talk about things outside of money, right?
24:54
[SPEAKER_01]: And she says, Anthony, you're at a season in your life to where you are mature enough to admit where you're going wrong at.
25:06
[SPEAKER_01]: Now, now that you know where you're going wrong, now that you admit that you've done
25:16
[SPEAKER_01]: Now you've got to do two things, and I don't know why I'm saying this, but I just feel led to say this.
25:25
[SPEAKER_01]: Your past mistakes does not determine your future.
25:29
[SPEAKER_01]: It doesn't even dictate who you are.
25:30
[SPEAKER_01]: Now people, humans will always, will always look at you from the past.
25:38
[SPEAKER_01]: But Anthony, you've got to forgive yourself.
25:41
[SPEAKER_01]: And you just got to start making better decisions moving
25:47
[SPEAKER_01]: got to.
25:49
[SPEAKER_01]: Got to.
25:52
[SPEAKER_01]: And that's hard.
25:54
[SPEAKER_01]: That's hard.
25:56
[SPEAKER_01]: That's hard.
26:00
[SPEAKER_01]: I think the hardest part is forgive myself because I'm living in the consequences of the decisions that I've made.
26:08
[SPEAKER_01]: And that's hard.
26:12
[SPEAKER_01]: That's hard.
26:15
[SPEAKER_01]: But I wanted to challenge you, no matter what it is, money, relationships, spiritual walk, parenting, and we've all made some decisions that were not proud of.
26:29
[SPEAKER_01]: And what I have to do is I'm at this season of my life, I am telling myself to forgive yourself, Anthony, and you've got to make better decisions.
26:42
[SPEAKER_01]: No matter what people are going to say, no matter what the internet's going to say, no matter what your family's going to say, no matter what your peers are going to say, no matter what your friends are going to say, may be better decisions.
27:03
[SPEAKER_01]: What's these millions to number four?
27:07
[SPEAKER_01]: When it comes to my money,
27:09
[SPEAKER_01]: One of the things that I regret so much in my past, that I had to mature any ball of from, that has been a crucial thing and building my network is I had to grow my income faster than my expenses.
27:42
[SPEAKER_01]: I had to get to the point where my income was growing faster than my expenses and there are two ways to build a network.
27:55
[SPEAKER_01]: Number one, make more money while your expenses stay the same.
27:59
[SPEAKER_01]: Number two, cut your expenses while your income stays the same.
28:07
[SPEAKER_01]: And what we tend to see is that expenses go up, income stays the same or income goes down.
28:26
[SPEAKER_01]: There is a step that recently came out from the Bureau of Labor Statistics, the
28:38
[SPEAKER_01]: their expenses will rise 8 percent for every 10 percent increase in income.
28:46
[SPEAKER_01]: I'm going to say one more time.
28:49
[SPEAKER_01]: If income goes up by 10 percent, expenses go up by 8 percent.
28:54
[SPEAKER_01]: If it goes up another 10 percent, it's going to go up another 8 percent.
28:58
[SPEAKER_01]: What do we call that?
29:00
[SPEAKER_01]: We call it at lifestyle cream.
29:03
[SPEAKER_01]: Honestly, I'm going to say this.
29:06
[SPEAKER_01]: with love, but calling it out, that's an immature, unwise individual, and I was once that person when it came to my money.
29:17
[SPEAKER_01]: I remember when I got my first real job, and this one particular company moved me out to Jacksonville, Florida.
29:26
[SPEAKER_01]: And I moved out to Jacksonville, Florida, and I knew the kind of income I was going to be making.
29:30
[SPEAKER_01]: And I said, you know what, I'ma get the best, the best apartment near the job.
29:36
[SPEAKER_01]: And I stayed out on Bay Meadows Road.
29:38
[SPEAKER_01]: I was in a gated community, a two-bed room apartment.
29:43
[SPEAKER_01]: I was like, you all, I got the money now.
29:45
[SPEAKER_01]: I got the money now, I'm good, I'm really good.
29:50
[SPEAKER_01]: I said, all right, I wouldn't got the apartment.
29:54
[SPEAKER_01]: You see, most budgeting apps just track your spending and leave you guessing what do I do today.
30:01
[SPEAKER_01]: But my new app in the black is different.
30:04
[SPEAKER_01]: This isn't just a tracker.
30:05
[SPEAKER_01]: It's your daily money coach right in your pocket every single day.
30:10
[SPEAKER_01]: You see, every single morning, you wake up and you know exactly what to do with your money today.
30:16
[SPEAKER_01]: No more confusion, no more second guessing, no more wondering what do I do.
30:21
[SPEAKER_01]: I'm literally walking with you step-by-step every single day.
30:25
[SPEAKER_01]: Whether you're budgeting, paying off debt, saving, or investing for your future, the app holds you accountable and it celebrates your wins and gives you a customized, clear plan.
30:36
[SPEAKER_01]: So you never have to wonder, what do I do today?
30:38
[SPEAKER_01]: And listen, if it isn't just about numbers.
30:40
[SPEAKER_01]: You see inside the app, you get my complete brand new estate plan course.
30:44
[SPEAKER_01]: This is my proven system to break free from debt, bill, real well.
30:48
[SPEAKER_01]: And also, we just also announce a new community of like-minded individuals.
30:54
[SPEAKER_01]: And all of this is inside the app.
30:56
[SPEAKER_01]: So let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's, let's,
31:23
[SPEAKER_01]: Here I go, 20 years old, 21 years old, making about maybe $80,000 a year back and are early, early, early, 2000s, like 2004, 2005.
31:35
[SPEAKER_01]: Man, I shouldn't have moved the Bay Meadows Man.
31:43
[SPEAKER_01]: I should have went out to the north side of Jacksonville, Florida.
31:48
[SPEAKER_01]: I was paying like $1,600 a month and rent when I should have been paying about $6,700 a month and rent.
31:56
[SPEAKER_01]: I had two cars back then.
31:58
[SPEAKER_01]: I should only have one.
32:07
[SPEAKER_01]: Even now.
32:11
[SPEAKER_01]: And today's show was changing right now as I'm talking.
32:14
[SPEAKER_01]: But even right now, and this season of my life will always have to remind myself and then you're making more money but you don't have to spend more money.
32:24
[SPEAKER_01]: Even right now, in 2026, friends are buying new houses and friends are buying four, five, six cars.
32:35
[SPEAKER_01]: And friends are doing this and I got the money and I'm not
32:39
[SPEAKER_01]: than a huge part of me as I, like if I'm being honest and vulnerable with my community, my dream home is a modern home.
32:52
[SPEAKER_01]: I can go by right now.
32:57
[SPEAKER_01]: I have to modern home with all glasses and all modern fixtures and the glass garage door and just looking really, really, really sexy.
33:09
[SPEAKER_01]: When I look at it, someone calls me anywhere from two to four million dollars to build that kind of home or to buy it because they have some out here in the Bethesda, Maryland area.
33:28
[SPEAKER_01]: I went all the way down to the point to where I almost I got approved for it.
33:37
[SPEAKER_01]: Then one day I was sitting at home because it goes back to the one percent rule, anything above $5,000, I'm gonna taste some time, 72 hours minimum to think about it, and I'm gonna talk it over with some of my mentors and accountability partners.
33:50
[SPEAKER_01]: And even some of my accountability partners, like, oh bro, you got the money, go get the house bro.
33:53
[SPEAKER_01]: That's what you want, you work hard, go get it.
33:55
[SPEAKER_01]: Then one of my mentors said Anthony, you have the money and you can afford it and you can still be practicing what you preach.
34:00
[SPEAKER_01]: But here is something that you preach that I do want to think about it.
34:04
[SPEAKER_01]: Do you need it right now?
34:08
[SPEAKER_01]: Like, do you need to expand your expenses right now, Anthony?
34:15
[SPEAKER_01]: The home you're standing right now is a five-bed room.
34:16
[SPEAKER_01]: Yes, it's a traditional family home.
34:19
[SPEAKER_01]: Yes, and ain't the most sexy, but it's a beautiful home.
34:22
[SPEAKER_01]: And it's just you.
34:26
[SPEAKER_01]: And I remember going back into that house.
34:30
[SPEAKER_01]: And I said, man, this house is honestly too much for me.
34:36
[SPEAKER_01]: If I'm going to be honest, I'm five, seven way, 106 something pounds, five bedrooms, it's just me and a dog.
34:44
[SPEAKER_01]: My dog has her own room.
34:52
[SPEAKER_01]: And sometimes I find myself laughing at myself, Anthony, you don't need the way, you don't need to raise your expenses, but you don't.
35:07
[SPEAKER_01]: So now my income is up here, my expenses is down here.
35:12
[SPEAKER_01]: I'm at a point to where my income is maybe 17%, not my income, my expenses are 17% of my income.
35:24
[SPEAKER_01]: And I'm strategically investing, I am strategically putting money into the places.
35:35
[SPEAKER_01]: How do you do it?
35:37
[SPEAKER_01]: Here's a very first thing I would highly encourage you, that if you're gonna keep your expenses low and your income high, you've got to job hops strategically.
35:49
[SPEAKER_01]: Workers who switch to large companies see an average of 15% and pay increase.
35:58
[SPEAKER_01]: So you've got to be strategic on how you're jumping from one job to another job.
36:04
[SPEAKER_01]: and how you leave one season, how you leave one job, does determine how you get into the next one.
36:10
[SPEAKER_01]: Next, you got to build a high value scale, listen, and I mean this, y'all.
36:15
[SPEAKER_01]: If you're not tapping into AI or digital marketing or specific trades, right?
36:21
[SPEAKER_01]: You are missing out on some good income.
36:25
[SPEAKER_01]: I've, I have taken personally about three AI automations and three AI slash tech boot camps, personally myself.
36:34
[SPEAKER_01]: Personally myself, because it's adding income to my company.
36:42
[SPEAKER_01]: And in next show, you got to go hard.
36:45
[SPEAKER_01]: Like when I say, heart, I'm telling my you got to cut expenses like crazy.
36:51
[SPEAKER_01]: Like you should be inside the end of black app and tracking every single dollar.
36:59
[SPEAKER_01]: And then from there, seeing where exactly can you cut at?
37:03
[SPEAKER_01]: And you're going to cut the things that's not serving your dreams, your goals, your financial situation right now.
37:10
[SPEAKER_01]: Have to.
37:11
[SPEAKER_01]: Have to.
37:13
[SPEAKER_01]: You have to.
37:15
[SPEAKER_01]: If you're not looking at your budget every single day, every single month, and analyzing what's going on, you're in a bad situation.
37:29
[SPEAKER_01]: We had a couple on our show here a week or so ago, and every single I think is Monday or Mondays, I don't know when they meet, but I know they have a professional meeting as a couple, and they talk about goals, dreams, visions, what she wants, what he wants, hey, what work last week, what didn't work last week.
37:48
[SPEAKER_01]: If you're not sitting down and doing that for yourself, you're not going to build your network.
38:00
[SPEAKER_01]: career, one particular job was paying me this much.
38:11
[SPEAKER_01]: And for some reason, I always thought loyalty will pay off.
38:16
[SPEAKER_01]: Sometimes loyalty does pay off if that company values loyalty.
38:24
[SPEAKER_01]: and they reward for loyalty.
38:26
[SPEAKER_01]: But majority of big companies do not reward for loyalty.
38:30
[SPEAKER_01]: Meaning, if you stay there for 20 years, they give you a hat, but they ain't give me you a financial increase.
38:38
[SPEAKER_01]: And remember, I stayed at this company for almost, I can't remember, I don't want to put a time on air for a long time.
38:45
[SPEAKER_01]: And finally, when I made the move to leave, my income jumped by 20% instantly.
38:55
[SPEAKER_01]: instantly.
38:58
[SPEAKER_01]: And I want to ask you this question.
39:01
[SPEAKER_01]: Are you overdue for a raise or job change?
39:10
[SPEAKER_01]: Now, let me say this, because as a CEO of the company, I love paying my people more money.
39:15
[SPEAKER_01]: Like I, I'm always trying to find out ways to get them commission checks and always trying to find out ways to get them paid more.
39:21
[SPEAKER_01]: Because I just don't want to be the only one teaching this message, but then my team members who are connected to this business are struggling.
39:29
[SPEAKER_01]: I don't want that.
39:30
[SPEAKER_01]: I don't want that at all.
39:31
[SPEAKER_01]: I encourage them to go out there and do something on the side and build a side business, because I understand it.
39:36
[SPEAKER_01]: I want them to do that.
39:39
[SPEAKER_01]: But don't think you are do a raise, simply because you've been on the job for five years, but you really haven't added any value to the company outside of what they tell you to do.
39:50
[SPEAKER_01]: I'm a stretcher here, something I ain't gonna like this, something I ain't gonna like this.
39:53
[SPEAKER_01]: But some of you all show up and do the bare minimum on the job, but you do not bring back any extra value to the job.
40:00
[SPEAKER_01]: Are you coming back and telling your boss, hey boss, I studied this and I wanna incorporate this or hey boss, I tried this out, check this out.
40:07
[SPEAKER_01]: That's what's gonna need you to raise.
40:10
[SPEAKER_01]: That's what's going to position you to really stand out amongst your peers on your job.
40:16
[SPEAKER_01]: I'm telling you this as a big brother.
40:20
[SPEAKER_01]: I asked someone who's sitting in the chair like, okay, wait, wait, wait.
40:22
[SPEAKER_01]: My team is always coming back, yo, this right here, this right there.
40:25
[SPEAKER_01]: Let's try this, let's do this.
40:27
[SPEAKER_01]: And if it works and it brings in company, the company's a more money, then you deserve a piece of it.
40:36
[SPEAKER_01]: But if you just shown up and doing a bare minimum every single day, and make it up out of here without y'all, you don't deserve no raise.
40:40
[SPEAKER_01]: I've been able to come for five years.
40:42
[SPEAKER_01]: You have, but what value have you added over five years?
40:50
[SPEAKER_01]: What value have you added?
40:52
[SPEAKER_01]: You can't build your network if your income is not going up.
40:56
[SPEAKER_01]: And you can't build your, and you can't get your income going up if you just showing up and doing a bare minimum.
41:08
[SPEAKER_01]: And I'm speaking for myself, because I know it feels like to be somewhere, make good money, but I'm not really passionate about it, and I really wasn't there, and it showed up in my work.
41:23
[SPEAKER_01]: Lying so I can not show up for particular things.
41:27
[SPEAKER_01]: I'm just leaving.
41:33
[SPEAKER_01]: Go get a job that you're passionate about.
41:36
[SPEAKER_01]: Because remember this, I've said this several times.
41:39
[SPEAKER_01]: The caliber of your future is gonna be determined by the choices, the caliber of choices and decisions you make today.
41:48
[SPEAKER_01]: Make the decision to get in the right career feel that you love that you enjoy.
41:52
[SPEAKER_01]: So your income can go up.
41:54
[SPEAKER_01]: Because if you make that decision, it's gonna impact your network.
41:58
[SPEAKER_01]: Here's number five.
41:59
[SPEAKER_01]: You gotta automate your finances.
42:01
[SPEAKER_01]: See, most people fail because they make
42:07
[SPEAKER_01]: Automate your savings, automate your investments, and automate paying your bills, and automate your tides and your tides and offerings.
42:17
[SPEAKER_01]: All right.
42:17
[SPEAKER_01]: It's 2025, I think it is nerd, nerd wallet survey found that people who automate their savings save two times more than those who do not.
42:29
[SPEAKER_01]: So if you can set up
42:31
[SPEAKER_01]: automatic transfers into your higher saving, so-fi, high-yode account, or into your so-fi investing app, right?
42:39
[SPEAKER_01]: Or into your tied and offerings for your local church, your two times more likely to hit your financial goals than those who do not.
42:50
[SPEAKER_01]: And I put tied in there because I believe that is the, there was a spiritual component
43:01
[SPEAKER_01]: because I can't stress this, man.
43:06
[SPEAKER_01]: I went back when I resigned from my previous situation in 2020, 2021, the first year, my company, I left in July, started in August, so August, September, October, November, December, and five months, my company made a half a million dollars.
43:25
[SPEAKER_01]: I don't know how.
43:28
[SPEAKER_01]: The next year,
43:30
[SPEAKER_01]: My company went from making a half a million dollars like $2.4 million dollars.
43:35
[SPEAKER_01]: I do not know how.
43:39
[SPEAKER_01]: And every single year from there, we've been making millions.
43:43
[SPEAKER_01]: I do not know how.
43:47
[SPEAKER_01]: But here's what I do know.
43:50
[SPEAKER_01]: Here's what I do know.
43:52
[SPEAKER_01]: Out of the 500,000 I gave God 50,000.
43:53
[SPEAKER_01]: Out of 2.4, I taught 200,000 dollars.
43:59
[SPEAKER_01]: As we gave a little bit more that year, there is a spiritual component to being generous, to tithing, to trusting God.
44:11
[SPEAKER_01]: It is not a heaven or hell situation, but I automatically tithe to my local church and I'm automatically giving to other nonprofits.
44:23
[SPEAKER_01]: So I need you to do the same thing.
44:28
[SPEAKER_01]: Automate your bills, automate your savings, automate your investments, automate your tied in offerings.
44:34
[SPEAKER_01]: And then every six months I wanted to review them and make sure that you're paying the right things and sending the right amounts, all right, because there is a point to where I wanted to stop automatically sending a lot of money to your high yo savings because once you get to about six months to a year of your net pay, I need you to put that stop automating that stuff and start automating it into an investment account and to an index fund into an ETF.
45:01
[SPEAKER_01]: because here's something that I've personally personally, personally, have learned.
45:06
[SPEAKER_01]: You can't spend what you do not see.
45:12
[SPEAKER_01]: My emergency account, I don't see it.
45:15
[SPEAKER_01]: And if I'm being honest, sometimes I even forget that I have it there.
45:19
[SPEAKER_01]: And honestly, do I have the month?
45:21
[SPEAKER_01]: If I'm being honest with you, I forget that I have an emergency fund.
45:25
[SPEAKER_01]: The time when I know that I have it is when I see the transfer went to it.
45:31
[SPEAKER_01]: And honestly, I'm at a point now and to where, speaking of y'all, I need to honestly tell my, I need to stop sending money over there and start and start honestly sending it into a different high-o savings because I want to start by more property.
45:45
[SPEAKER_01]: And so I need to start putting money away from that.
45:47
[SPEAKER_01]: But I don't need to build up my emergency funding more.
45:51
[SPEAKER_01]: Yeah, thinking of that.
45:54
[SPEAKER_01]: You see, automation, it builds wealth quietly in the background.
46:01
[SPEAKER_01]: Automations, every single month, I told you well, I have five, I say not higher savings count, I have five, five, twenty-nine, and I'm sending like a hundred bucks, every single month, to those accounts for my nephews and for a future kid if I'm blessed to have one.
46:20
[SPEAKER_01]: I'm seriously doing this.
46:24
[SPEAKER_01]: Listen, I'm a say this and I'm a say this respectfully, I want to talk to my brothers and sisters in the African-American community, this is going to apply and be good for everybody.
47:03
[SPEAKER_01]: I had a hard conversation with one of my parents about some of the decisions that they have made in the past.
47:18
[SPEAKER_01]: And this particular parent said that we should watch how we talk about our parents.
47:31
[SPEAKER_01]: And I took that heart, you know, I totally understand that I totally do, because all four of my parents men are amazing human beings and I know my parents have sacrificed so much for us, you know, when I think about my biological father.
47:55
[SPEAKER_01]: My biological father taught me grace.
47:59
[SPEAKER_01]: My biological father taught me how to love people.
48:03
[SPEAKER_01]: He taught me how to see past people's wrongdoings and see past people's mistakes and block out what the world may say about that particular individual, but love them and be therefore.
48:16
[SPEAKER_01]: My dead, if you don't like my father, honestly, I'm looking at you here.
48:22
[SPEAKER_01]: That's what my dead is taught me.
48:24
[SPEAKER_01]: He's taught me how to be graceful.
48:26
[SPEAKER_01]: My dead will take off his shirt and give it to you if he knows you need the shirt.
48:36
[SPEAKER_01]: My dead will sacrifice and and and He'll go without so you can go with something.
48:47
[SPEAKER_01]: I learned that.
48:48
[SPEAKER_01]: I get that from my day.
48:49
[SPEAKER_01]: Any of my true friends know that I love serving people and I love helping people.
48:58
[SPEAKER_01]: Learn from my dad.
48:59
[SPEAKER_01]: My biological mom, which is going to sound so awkward for me to say this.
49:05
[SPEAKER_01]: My biological mother taught me how to work.
49:09
[SPEAKER_01]: My biological mother taught me how to listen.
49:12
[SPEAKER_01]: We got to get it done.
49:14
[SPEAKER_01]: Every single Christmas,
49:17
[SPEAKER_01]: and she will go work three jobs.
49:21
[SPEAKER_01]: Just so her kids can have a good Christmas.
49:36
[SPEAKER_01]: My mom taught me what it means to work.
49:40
[SPEAKER_01]: And to not allow excuses to stop you from providing for your family.
49:46
[SPEAKER_01]: I lost everything today.
49:47
[SPEAKER_01]: One thing about me because of my mom.
49:51
[SPEAKER_01]: I'm a know-how to work.
49:53
[SPEAKER_01]: My step-dead taught me how to dream.
49:57
[SPEAKER_01]: My step-dead will come home every single day from his job and work on his dream.
50:07
[SPEAKER_01]: And if I'm being honest in a respectful way, a lot of times my father didn't
50:14
[SPEAKER_01]: but he never gave up on these drinks.
50:18
[SPEAKER_01]: He accomplished some of them, but a lot of them he didn't.
50:27
[SPEAKER_01]: I've never told him that, and if dead of your watching is, I want to say thank you.
50:33
[SPEAKER_01]: Thank you for teaching me that.
50:37
[SPEAKER_01]: Thank you for teaching me to never give up on you.
50:47
[SPEAKER_01]: My stepmother, she taught me how to, how I'll say it.
51:01
[SPEAKER_01]: She taught me how to love when you're not being loved.
51:06
[SPEAKER_01]: You know, my, I did not like my stepmother in our first matter.
51:09
[SPEAKER_01]: I gave her a hard time because she wasn't my mom.
51:19
[SPEAKER_01]: But I'll never forget, I fell the night great.
51:24
[SPEAKER_01]: And now I'm a daddy, and I'm a biological mom.
51:30
[SPEAKER_01]: My step mom went up to that school as she went off on every school teacher.
51:36
[SPEAKER_01]: And I heard her say this, my son is not fell in the night great because you didn't do your job.
51:42
[SPEAKER_01]: I remember looking at her at 14, 15 years old since she just called me her son.
51:48
[SPEAKER_01]: And I remember saying this, my dad is not here fighting for me.
51:52
[SPEAKER_01]: My mom is not here fighting for me.
51:53
[SPEAKER_01]: The woman who I have been doing wrong is here fighting for me.
52:02
[SPEAKER_01]: My mom taught me how to love people who even do your own.
52:06
[SPEAKER_01]: My mother taught me how to embrace people and still do right by people who do you wrong.
52:20
[SPEAKER_01]: My mom could have told my daddy to send me back home.
52:23
[SPEAKER_01]: That's how disrespectful I was to my stepmother.
52:28
[SPEAKER_01]: I say all I'd say is that I've learned so much from all my family members, all my parents, but there is one thing I did not learn.
52:40
[SPEAKER_01]: And that's money.
52:43
[SPEAKER_01]: It didn't teach me how to build a network, that it didn't teach me how to build a business.
52:49
[SPEAKER_01]: They didn't teach me how to build and leave a legacy because it's true that the fact is, you have to leave us in insurance policy.
53:00
[SPEAKER_01]: And yet, I'm going to leave us partial of a legacy with all the wisdom and the knowledge that they deposited into and side of me and into my siblings.
53:12
[SPEAKER_01]: But I want to leave more than just wisdom.
53:16
[SPEAKER_01]: I want to leave finances, I want to leave businesses, I want to leave opportunities, I want to leave relationships, I want to leave the spiritual guidance.
53:27
[SPEAKER_01]: I want to leave a net worth that could be passed down to my kids' kids' kids.
53:35
[SPEAKER_01]: We cannot have access to all this information and not have a good network.
53:47
[SPEAKER_01]: And I think a lot of us are similar to my situation.
53:50
[SPEAKER_01]: Parents love the hell out of us and gave us the best that they can.
53:55
[SPEAKER_01]: But how do we give the next generation even better?
53:59
[SPEAKER_01]: How do we learn from our parents and grandparents' mistakes?
54:04
[SPEAKER_01]: Learn from our own mistakes, pass down something else to our kids.
54:09
[SPEAKER_01]: They learn from the mistakes that we just didn't get right.
54:12
[SPEAKER_01]: And then they passed down wealth, knowledge, access, wisdom to their children's children.
54:20
[SPEAKER_01]: The decisions that I'm making today, manages a little different, and I'm beyond it.
54:24
[SPEAKER_01]: I told y'all, I'm a little bit all over the place today.
54:26
[SPEAKER_01]: You know, it's just, that's what happens when you, when you get out of therapy.
54:33
[SPEAKER_01]: It was all over the place.
54:34
[SPEAKER_01]: Like, I was telling my therapist this morning, man, I'm confused about life because I am just thinking differently.
54:43
[SPEAKER_01]: And I don't know why I'm thinking differently.
54:45
[SPEAKER_01]: And she said, you're getting older.
54:48
[SPEAKER_01]: I will hope you're thinking differently.
54:49
[SPEAKER_01]: I hope that you see life a little bit different.
54:53
[SPEAKER_01]: And I was like, yes, ma'am.
54:58
[SPEAKER_01]: I say this and I let you go.
55:02
[SPEAKER_01]: Someone asked me why Ghana, like, why am I buying real estate in Africa?
55:05
[SPEAKER_01]: I said, well, because it's a part of my portfolio, it's a part of my net worth, but most importantly, it's the most important, most importantly, I'm sorry.
55:16
[SPEAKER_01]: It's a part of my legacy.
55:17
[SPEAKER_01]: Legacy, what do you mean legacy?
55:21
[SPEAKER_01]: One of the condos that I'm buying in Ghana, it's not for me, it's not for my feature spouse whenever I get married.
55:29
[SPEAKER_01]: It's not even for my kids.
55:33
[SPEAKER_01]: I had that literally inside of my estate plan.
55:39
[SPEAKER_01]: That my wife won't have access to it once I died and I go home to be with the Lord.
55:44
[SPEAKER_01]: My kids won't even have access to it.
55:47
[SPEAKER_01]: My grandchildren will.
55:50
[SPEAKER_01]: And then my prayer is that I'm able to buy another condo that my great grandchildren who I will possibly not have the opportunity to meet.
55:57
[SPEAKER_01]: But they can tell their daughter, their son.
56:01
[SPEAKER_01]: This condo was left to you by your great, great-granddad.
56:07
[SPEAKER_01]: That's legacy.
56:10
[SPEAKER_01]: That's passing down a network.
56:12
[SPEAKER_01]: Who, who, who, mom?
56:14
[SPEAKER_01]: It's a great-granddad aunt, Anthony O'Neill.
56:19
[SPEAKER_01]: Now, they're having a conversation about great-granddad who they never met.
56:26
[SPEAKER_01]: because at 42 years old, I was thinking about them.
56:31
[SPEAKER_01]: At 42, I dropped $40,000, and the mother land of who we are, and I said, I want my great, great grandchildren to have this one day.
56:45
[SPEAKER_01]: That's legacy, and that's just thinking differently.
56:50
[SPEAKER_01]: So I hope today's video inspired you, challenged you to think differently about your money, about how you're investing, about how you're growing and maturing in the areas of your finances.
57:03
[SPEAKER_01]: But here's what I have learned.
57:06
[SPEAKER_01]: If we're not growing mentally and spiritually first, we'll never hit the true network that we desire.
57:12
[SPEAKER_01]: Period.
57:14
[SPEAKER_01]: Period.
57:16
[SPEAKER_01]: I've said no to a lot of things so that I can build more and be able to pass down more.
57:21
[SPEAKER_01]: Could a truth be told, I really don't know when God is going to bring me home.
57:26
[SPEAKER_01]: I really don't know.
57:29
[SPEAKER_01]: I just know when I get to the gates.
57:33
[SPEAKER_01]: And I'm being judged.
57:37
[SPEAKER_01]: with all the stupid mistakes that I've made here on his earth, I still pray that God will say, well done, my good and faithful servant.
57:46
[SPEAKER_01]: And a well done part is you did so good that who you left behind.
57:53
[SPEAKER_01]: You positioned them to win as well.
57:56
[SPEAKER_01]: Y'all, way over our time today.
57:58
[SPEAKER_01]: I don't know what happened.
58:00
[SPEAKER_01]: Maybe I shouldn't do a show after therapy.
58:04
[SPEAKER_01]: Oh man, therapy days are bad.
58:07
[SPEAKER_01]: Ed does his therapies on Monday.
58:09
[SPEAKER_01]: That's why he don't come into the office on Mondays.
58:12
[SPEAKER_01]: Therapy just gets you thinking differently, but it's a good thing.
58:16
[SPEAKER_01]: And we're going to drop our therapy link below.
58:22
[SPEAKER_01]: If you want to
58:25
[SPEAKER_01]: talk to somebody about life, about money, whatever it is.
58:29
[SPEAKER_01]: Go to anthonyoneo.com for a sense therapy.
58:31
[SPEAKER_01]: We'll drop that inside in today's show notes.
58:33
[SPEAKER_01]: I'm so sorry for just being a little probably probably a little bit too deep today.
58:39
[SPEAKER_01]: What is what it is, man?
58:40
[SPEAKER_01]: I love you all.
58:41
[SPEAKER_01]: See you in the next episode.
58:42
[UNKNOWN]: Peace out.