Latest / The Table with Anthony ONeal / Once You Get Paid, Buy These 10 Things Before 2026

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Once You Get Paid, Buy These 10 Things Before 2026 · The Table with Anthony ONeal

0:00
[SPEAKER_01]: Most people think getting money means buying chains cars and let's be honest in today's day and time design a close But here's what I'm learning wealth the people.
0:10
[SPEAKER_01]: They are buying 10 things first and watch this number seven is the reason I went from broke at 25 living in my car To a net worth millionaire today
0:26
[SPEAKER_01]: Y'all know me, I genuinely do not play about generational but I don't play about getting on the debt but here's what nobody tells you.
0:34
[SPEAKER_01]: There are things you should buy once you start making room money and these are not things to flex but to build a foundation.
0:44
[SPEAKER_01]: that your children's children will thank you for.
0:47
[SPEAKER_01]: To build a foundation that you can live off of you and your spouse can live off of when you're 60, 70, 80.
0:55
[SPEAKER_01]: We do not have to be wealthy in our eighties.
0:57
[SPEAKER_01]: We can be wealthy today.
1:00
[SPEAKER_01]: Now hold up, hold up, hold up, hold up, real quick.
1:02
[SPEAKER_01]: Before y'all get excited, let me be clear.
1:06
[SPEAKER_01]: Okay.
1:07
[SPEAKER_01]: This assumes three things.
1:11
[SPEAKER_01]: For your body things, first, you are consumer debt-free.
1:16
[SPEAKER_01]: You have no consumer debt.
1:17
[SPEAKER_01]: I'm not talking about your mortgage, but your credit cards are paid off.
1:20
[SPEAKER_01]: Your car notes are paid off.
1:22
[SPEAKER_01]: All that mess is 100% gone.
1:26
[SPEAKER_01]: But we're not playing here.
1:27
[SPEAKER_01]: We're striving for freedom, which leads me to second.
1:31
[SPEAKER_01]: thing is that you've got your emergency phone locked in.
1:34
[SPEAKER_01]: The readest six months of your net pay sitting inside of a high yo saying is account.
1:39
[SPEAKER_01]: Not three to six months of expenses were beyond that.
1:42
[SPEAKER_01]: The readest six months of your average net pay sitting inside of a high yo is the same as account, which is going to leave into number three.
1:48
[SPEAKER_01]: You're already investing 15, actually I'm sorry, 25% minimum until your retirement and then two tives and offerings.
1:57
[SPEAKER_01]: Y'all heard me correctly.
1:59
[SPEAKER_01]: into your tides and offerings, 15% into your investment account, 10% into your tides and offerings.
2:09
[SPEAKER_01]: If you're not there yet, I want you to pause this video.
2:14
[SPEAKER_01]: and go watch my get out of debt content.
2:17
[SPEAKER_01]: For real, I want you to come back when you're ready because this is important.
2:22
[SPEAKER_01]: But if you are there, man, let's talk about some strategic purchases that will help you build wealth, not drain it.
2:32
[SPEAKER_01]: These ain't once.
2:34
[SPEAKER_01]: These are investments into your actual future.
2:38
[SPEAKER_01]: These are investments that will impact your life.
2:45
[SPEAKER_01]: I mean this, then I'm going slow today.
2:48
[SPEAKER_01]: I don't really feel the best today, but I'm going slow today.
2:51
[SPEAKER_01]: But here's number one.
2:54
[SPEAKER_01]: And this is so simple, but you're all sleeping on it.
2:58
[SPEAKER_01]: you've got to upgrade your savings account.
3:02
[SPEAKER_01]: Okay, yep, I'm going straight there.
3:05
[SPEAKER_01]: I'm not talking about one account.
3:07
[SPEAKER_01]: I'm talking about multiple high-year savings accounts.
3:11
[SPEAKER_01]: See, see, see, see, most of these accounts have caps on how much they'll pay you maximum when it comes to your interest.
3:20
[SPEAKER_01]: So what do you do?
3:21
[SPEAKER_01]: You split your money across two or three accounts and maximize every single dollar.
3:28
[SPEAKER_01]: Listen, inside of my highest, same as the count's literally I've said this before, but these pay for my debts, not my debts, Lord Jesus, these literally pay for my dates.
3:40
[SPEAKER_01]: These literally pay for dinner and when I'm stepping out because I'm pulling an average about $500 a month and passive income just through my emergency funds sitting inside of these high-o-sames accounts.
3:52
[SPEAKER_01]: So while I'm sleeping, while I'm working, while I'm recording content, while I'm in school, while I'm teaching, while I'm completing my doctoral degree, my money is making money inside of these accounts.
4:04
[SPEAKER_01]: Your money sitting inside of a Wells Fargo Bank or America Bank of America account making only 0.01% that's not saving anything that's slowly going broke with a false sense of security.
4:21
[SPEAKER_01]: False sense of security.
4:23
[SPEAKER_01]: Now hold up.
4:24
[SPEAKER_01]: Before we move on to number two, let me help you maximize this high-yield saving strategy.
4:30
[SPEAKER_01]: Listen, I just told you I'm making $500 a month from my emergency fund.
4:36
[SPEAKER_01]: You all want to know exactly where?
4:38
[SPEAKER_01]: That's why a partner with the best banks.
4:42
[SPEAKER_01]: Not bank, best banks, to help you stop losing money to inflation.
4:48
[SPEAKER_01]: Simple, go to handthenionno.com for slash savings right now.
4:52
[SPEAKER_01]: Honestly, I think we update this this every single week with the accounts paying anywhere between 4% to 5.2%.
4:58
[SPEAKER_01]: Somebody's accounts have no minimums, no fees and no secret fees.
5:03
[SPEAKER_01]: And our money is still FDIC and Shower.
5:06
[SPEAKER_01]: real talk, if you've got $10,000 sitting and a regular savings account, you're losing $207 a year just to inflation.
5:13
[SPEAKER_01]: But you see in a high yield savings account, you're making $500.
5:17
[SPEAKER_01]: That's a $770 difference.
5:20
[SPEAKER_01]: This can take five minutes right now.
5:22
[SPEAKER_01]: Do simply open an account, and your money starts working while you're sleeping.
5:28
[SPEAKER_01]: Your money starts working while you're at your job.
5:31
[SPEAKER_01]: Go to anthonyoneo.com, force that savings again, that's anthonyoneo.com, force that savings.
5:36
[SPEAKER_01]: Links should be inside the show description and it should be up on the screen right now.
5:40
[SPEAKER_01]: All right, let's get into number two.
5:44
[SPEAKER_01]: And this specifically changed my life, investing into my health foundation.
5:54
[SPEAKER_01]: I want you to start investing into your sleep.
5:56
[SPEAKER_01]: You spend a third of your life in bed, a third.
6:01
[SPEAKER_01]: But you got a mattress from 2010.
6:03
[SPEAKER_01]: That's got your back looking like a question mark.
6:07
[SPEAKER_01]: Come on, VAM.
6:09
[SPEAKER_01]: You see quality mattresses, quality pillows, and blackout curtains.
6:14
[SPEAKER_01]: They're saying luxury.
6:15
[SPEAKER_01]: This is productivity.
6:17
[SPEAKER_01]: You can't build wealth when you're exhausted.
6:21
[SPEAKER_01]: Can't.
6:22
[SPEAKER_01]: You can't.
6:24
[SPEAKER_01]: I was watching a show on the diarrhea to see, oh, and he was talking about how,
6:29
[SPEAKER_01]: you are 44% less likely to have a heart attack if you get an adequate amount of seven to eight hours of sleep every single night.
6:38
[SPEAKER_01]: So this means if you rest your body, you're helping your heart.
6:43
[SPEAKER_01]: Which these went to the next part when it comes to our health, man, get a gym membership that you will actually use or invest into a mini gym into your basement or in your garage.
7:00
[SPEAKER_01]: I'm going to say this again, 20 minutes a day, 10 minutes of cardio, 10 minutes of lifting weights.
7:06
[SPEAKER_01]: That is an amazing investment, but you got to be real with yourself.
7:11
[SPEAKER_01]: You got to be real with yourself and ask yourself, y'all, am I going to actually use this membership?
7:15
[SPEAKER_01]: And I will hope that you will use this membership because what is the point of having wealth and having to find into freedom if your health is taken up all of your margin?
7:27
[SPEAKER_01]: Remove every excuse between you and your health.
7:34
[SPEAKER_01]: Remove it.
7:35
[SPEAKER_01]: I work out every single day in my gym.
7:39
[SPEAKER_01]: And set it for me going on an expensive birthday vacation like I do every single year.
7:45
[SPEAKER_01]: I put about $10,000 into my gym.
7:47
[SPEAKER_01]: Not expecting you to do that, but I don't like getting up and driving.
7:51
[SPEAKER_01]: One hour to the gym and then working out for an hour and then driving an hour back to the gym.
7:55
[SPEAKER_01]: When I could just get up in the morning, walk downstairs, get on my treadmill, workout, get in my sun and go back upstairs, shower and get my day.
8:04
[SPEAKER_01]: but my health is so important.
8:08
[SPEAKER_01]: Which leads me to the next thing, we're talking about, you know, the gym, preventative care, dental cleaning, annual physicals, therapy.
8:17
[SPEAKER_01]: Yeah, I said it, therapy.
8:19
[SPEAKER_01]: You see, your mental health is wealth too.
8:22
[SPEAKER_01]: I go to therapy once every other week.
8:25
[SPEAKER_01]: My team members, I refund them for a one therapy session a month.
8:30
[SPEAKER_01]: It's one of the best investments I have ever made into myself because let me be real with you.
8:37
[SPEAKER_01]: I made good money.
8:38
[SPEAKER_01]: My company made a good money.
8:40
[SPEAKER_01]: But let me be honest with you, man.
8:47
[SPEAKER_01]: Making good money.
8:51
[SPEAKER_01]: I'm still being single at 41.
8:55
[SPEAKER_01]: going on 42 here, July of 2026.
8:59
[SPEAKER_01]: You know, I've been called all kind of names.
9:02
[SPEAKER_01]: I've been, I've been called a red flag.
9:09
[SPEAKER_01]: I've been told, man, maybe he's gay.
9:15
[SPEAKER_01]: I've been told he's going to, I'm going to hell.
9:20
[SPEAKER_01]: You know, I'm a public figure.
9:23
[SPEAKER_01]: And some people who look at my life, he's driving his dream cars, he's going on dream vacations, and he got his own business, he good.
9:32
[SPEAKER_01]: But if it wasn't for me investing into my mental health, I don't know if I will be here today.
9:41
[SPEAKER_01]: And while some of you are watching this may not have it on my level, but you have that those mental thoughts on your level.
9:51
[SPEAKER_01]: I contemplated suicide in my younger days.
9:58
[SPEAKER_01]: The enemy can't get me no more, but I think the reason why the enemy can't get me any more because I've invested into my health, into my mental health because if I don't take care of my number one asset, which is my mind, which is my number one business, I can't go nowhere.
10:14
[SPEAKER_01]: But here's the truth.
10:15
[SPEAKER_01]: You can't build generational wealth from the hospital bed.
10:19
[SPEAKER_01]: You can't build generational wealth from the psych war.
10:22
[SPEAKER_01]: You can't build generational wealth if you don't have your mental strait.
10:27
[SPEAKER_01]: You can't enjoy your millions if you're too sick to spend it.
10:31
[SPEAKER_01]: Your health is your wealth.
10:38
[SPEAKER_01]: This one saved me so much money.
10:39
[SPEAKER_01]: This one has helped me maintain where I'm at.
10:45
[SPEAKER_01]: which let's get over to number three, let's get over to number three, education that pays you back.
10:53
[SPEAKER_01]: I'm not talking about another degree while I'm currently in school myself, get in my doctoral degree in finance and investing.
11:00
[SPEAKER_01]: I'm not talking about going back to school for four years.
11:03
[SPEAKER_01]: I'm talking about skills that put money in your pocket within 12 months.
11:09
[SPEAKER_01]: A.O.
11:10
[SPEAKER_01]: automation trainings, certifications in your field, digital marketing, coding, boot camps, whatever's going to increase your income.
11:22
[SPEAKER_01]: Real talk right now, I'm paying a 25-year-old $10,000 to build AI systems within my company.
11:38
[SPEAKER_01]: to help me build AI automations.
11:43
[SPEAKER_01]: You know where he learned it?
11:45
[SPEAKER_02]: From a $2,000 all the boot camp, Carreras.
11:51
[SPEAKER_02]: So I paid him $10,000 all.
11:53
[SPEAKER_01]: He paid $2,000 for the boot camp.
11:56
[SPEAKER_01]: And I'm paying him 10 bands.
11:59
[SPEAKER_02]: That's a five times return on what he has education investment.
12:09
[SPEAKER_02]: Think about that.
12:13
[SPEAKER_01]: You pay $2,000 to learn AR automations.
12:15
[SPEAKER_01]: And if you're not learning AR automations, or if you're not learning AI, period, AI will eventually take over your job.
12:22
[SPEAKER_01]: Watch this, it's not gonna be AI who takes over your job.
12:25
[SPEAKER_01]: It's gonna be someone who knows how to work AI.
12:29
[SPEAKER_01]: And I was selling it to my consumer economics class that listen, use AI in your generation right now, you should be learning AI while you're getting your four year degree.
12:41
[SPEAKER_01]: Because by the time you get out and you're looking for a job, they're going to expect you to know how to use AI to make your position even better.
12:50
[SPEAKER_01]: And I told them, here's my rule.
12:53
[SPEAKER_01]: Will this education pay for itself within 12 months?
12:58
[SPEAKER_01]: If yes, buy it.
13:00
[SPEAKER_01]: If no, I need you to strongly question it.
13:05
[SPEAKER_01]: Listen, and I'm not knocking my former YouTubers, podcasters and influencers, but I gotta be honest with you.
13:15
[SPEAKER_01]: Stop buying courses on how to get freaking rich.
13:20
[SPEAKER_01]: Stop buying courses.
13:21
[SPEAKER_01]: Here's how to make $1 million in 30 days.
13:23
[SPEAKER_01]: No, no.
13:26
[SPEAKER_01]: Start buying education that teaches you high income skills.
13:31
[SPEAKER_01]: There's a difference.
13:34
[SPEAKER_01]: There's a difference between learning and earning.
13:39
[SPEAKER_01]: Start buying educational courses that within a matter of six to 12 months that bootcamp, that trading, that certificate, pays for itself and then some.
13:51
[SPEAKER_01]: We have an AI automation boot camp that will put up on the screen right here for you and we'll link it inside the show knows you can go to anthonyonyl.com 4 slash AI automations.
14:02
[SPEAKER_01]: I don't know if that's the thing, but we'll make it the thing.
14:05
[SPEAKER_01]: By the time this come out, go to anthonyonyl.com 4 slash AI automations, I think the boot camp is like two grand, but you'll get your money back times 10 times 10.
14:19
[SPEAKER_01]: wish wish wish wish I want to keep going let's go over it number four number four and people are honestly going to judge me a little bit for this one I really don't care but what I've learned with the middle class is we've learned how to exchange our time for money but what I'm learning as I'm evolving in this space is that the wealthy individuals are no longer trying trying to exchange their time for money
14:48
[SPEAKER_01]: what I mean by that, house cleaning, meal prep, laundry service, grocery delivery, drivers.
14:56
[SPEAKER_01]: But Anthony, AOAO, AOAO, that's waste in money.
15:01
[SPEAKER_01]: No, no, no, no, let me give you some math.
15:05
[SPEAKER_01]: If your laundry service calls you $25, but saves you two hours, and you can make $100, those two hours, that's not an expense.
15:15
[SPEAKER_01]: That's an investment with a 300% return.
15:19
[SPEAKER_01]: You see, this is not honestly about being lazy.
15:22
[SPEAKER_01]: This is about being strategic.
15:24
[SPEAKER_01]: Every hour you spend doing something that someone else can do for $15 in an hour, you're not building wealth.
15:35
[SPEAKER_01]: Starbore, what service?
15:36
[SPEAKER_01]: Just one, free up two to three hours a week and use that time for income producing activities, side hustles, over time, building your business,
15:47
[SPEAKER_01]: You see, wealth be people understand this.
15:51
[SPEAKER_01]: Time is the only thing that you cannot get back.
15:56
[SPEAKER_01]: And it is.
15:58
[SPEAKER_01]: Now you say, I still, still to this day, I love cutting my grass.
16:04
[SPEAKER_01]: But I realize that as beautiful as it is, when I was spending three hours a week cutting my grass,
16:14
[SPEAKER_01]: When in that three hours, I could be working on generating it and creating content that is going to transform your, you all's lives, that, that is going to test the masses.
16:24
[SPEAKER_01]: I could be in my, my, my office reading a book and expanding my knowledge.
16:29
[SPEAKER_01]: I could be in front of my computer screen of, I'm diving into my school books rather than cutting my graphs.
16:39
[SPEAKER_01]: Time is the only thing I can't get back.
16:43
[SPEAKER_01]: So let's stop trading it for a task that do not build wealth.
16:50
[SPEAKER_01]: Now I'm not sitting here saying, oh my gosh, go in, you know, I'm saying, get all, no, no, no, no, no, do it with then your budget, do it with then your means, right?
17:00
[SPEAKER_01]: But I'm in a generation of, I don't care if my wife cooks.
17:05
[SPEAKER_01]: If my wife, if I can spend 150 to 200 dollars a week on getting us meal prep service that is healthy,
17:13
[SPEAKER_01]: that her and I can eat every single day and we can work out and we can eat healthy but allows her to do her thing, allows me to do my thing and let's be honest, it takes some stress off of her and myself from cooking throughout the week and it frees us up to do something that we enjoy, that can produce, that we enjoy and that can produce more time to produce more income, man.
17:35
[SPEAKER_01]: I'm going to pay for the meal service.
17:39
[SPEAKER_02]: I'm going to pay for it.
17:41
[SPEAKER_02]: Let's
17:45
[SPEAKER_02]: I'm gonna finish somebody here, I'm gonna finish somebody, and it is what it is.
17:58
[SPEAKER_01]: Stop playing around with TurboTax and get you a real financial team going, stop it.
18:06
[SPEAKER_01]: Once you start making right around $100,000 or more, you need a CPA.
18:13
[SPEAKER_01]: Not your cousins who do taxes on the side.
18:16
[SPEAKER_01]: You need a real certified P, a certified CPA.
18:23
[SPEAKER_01]: You see, my CPA calls me close to about $10,000 a year.
18:31
[SPEAKER_01]: I would say out of that $10,000 a year, about 1,500 of that.
18:35
[SPEAKER_01]: goes to me personally, then the rest goes towards my business.
18:39
[SPEAKER_01]: But just on a personal side, she probably saves me about $50,000 a year in taxes.
18:46
[SPEAKER_01]: On the business side, she saves me hundreds of thousands of dollars because our company does well over multiple millions a year.
18:58
[SPEAKER_01]: So if she's costing me $10,000 a year,
19:01
[SPEAKER_01]: roughly right around $800 a month, but save in me hundreds of thousands of dollars.
19:08
[SPEAKER_01]: You know, that's almost a 400, 500 percent ROI return of my investment.
19:16
[SPEAKER_01]: Y'all are spending hours trying to figure out tax codes when a professional can do it better and save you more money.
19:24
[SPEAKER_01]: But the average person thinks if I go to this particular company and tell them I
19:36
[SPEAKER_01]: Get your real certified, CPA.
19:39
[SPEAKER_01]: Watch this, get a fee only financial advisor.
19:42
[SPEAKER_01]: Not these commission-based folks trying to sell you whole life insurance, not an era.
19:47
[SPEAKER_01]: Get rid of them, joke yourself.
19:48
[SPEAKER_01]: Get you a fee only flat rate, somebody, some box, some one, legally required to work in your best interest.
19:58
[SPEAKER_01]: Not what makes them the most money.
20:00
[SPEAKER_01]: No, in your best interest.
20:04
[SPEAKER_01]: and get you a real estate attorney.
20:06
[SPEAKER_01]: When you start buying property, get a business attorney.
20:10
[SPEAKER_01]: When you form an LLC, stop trying to do things, all on your own.
20:14
[SPEAKER_01]: I told you all about a piece of property in a crygonna.
20:19
[SPEAKER_01]: And I'd even let my CPA do it.
20:23
[SPEAKER_01]: I call up my attorney who has developed all of my businesses.
20:29
[SPEAKER_01]: We gotta stop Googling our way through legal documents that could cost us millions if things go left.
20:38
[SPEAKER_01]: My CPA, she handles my finances.
20:42
[SPEAKER_01]: My law firm that I think once you start getting in the far, once you start building a business that is making millions, I don't just have an attorney,
20:52
[SPEAKER_01]: I have one attorney, his name is Josh.
20:54
[SPEAKER_01]: I start off all my conversations with.
20:56
[SPEAKER_01]: He's not as proficient in all fields, but his law firm is.
21:02
[SPEAKER_01]: So when I needed to do my trust, he gave me a trust attorney.
21:06
[SPEAKER_01]: When I had some lawsuits, we had a law suit attorney.
21:09
[SPEAKER_01]: When I had to form my business, we had, he did that part for me.
21:15
[SPEAKER_01]: So I have a law firm.
21:17
[SPEAKER_01]: I'm not trying to be cheap when I'm trying to build something as massive because I want to make sure that I'm making the right investments.
21:29
[SPEAKER_01]: I want to make sure that when I'm investing into the stock market, I'm investing through the right company that when I'm buying property, I'm legally covered that I'm doing the right things and I'm not taking shortcuts because shortcuts cost us money.
21:46
[SPEAKER_01]: And watch this.
21:48
[SPEAKER_01]: We're talking about getting your financial team together, right?
21:51
[SPEAKER_01]: Well, let me tell you about the platform that makes investing super, super simple.
21:57
[SPEAKER_01]: Even if you're just starting with five dollars, I said it with just five dollars.
22:04
[SPEAKER_01]: I have now moved from MoMo to sofa invest.
22:09
[SPEAKER_01]: I actually wrote with three main companies, so far, invest public and moumou.
22:14
[SPEAKER_01]: But I've moved all of my money from moumou to so far.
22:17
[SPEAKER_01]: When we're talking about wealthy people investing in index funds and the S&P 500, you need the right platform to actually do it.
22:26
[SPEAKER_01]: Check this out.
22:26
[SPEAKER_01]: So far is offering up to $1,000 in stocks when you just open up an account and fund a new account.
22:33
[SPEAKER_01]: Plus, they got a 1% match on recurring deposits with so-five plus membership.
22:38
[SPEAKER_01]: No commission of stocks, and you can buy fractional shares starting at just $5.
22:43
[SPEAKER_01]: Public is also a blessing in our community.
22:46
[SPEAKER_01]: You can start investing with Amazon dollars $1.
22:48
[SPEAKER_01]: They offer zero commission of stocks and ETFs.
22:50
[SPEAKER_01]: Plus, you can invest in alternative assets like fine art and collectibles.
22:55
[SPEAKER_01]: Both of these platforms have educational resources to help you understand really what you're investing in.
23:00
[SPEAKER_01]: You can set up automatic investing into index funds that S&P 500 that averages about a 10% return.
23:07
[SPEAKER_01]: You can be in it two days.
23:10
[SPEAKER_01]: Listen, let's put our tell everyone.
23:11
[SPEAKER_01]: I don't need you to put money in it today.
23:13
[SPEAKER_01]: Let's take small steps.
23:15
[SPEAKER_01]: I need you to go to anthonyonio.com for slash invests.
23:18
[SPEAKER_01]: Compare with platform July, so far invests.
23:21
[SPEAKER_01]: Mo Mo, you compare.
23:23
[SPEAKER_01]: I like so far investing here's why.
23:24
[SPEAKER_01]: Because I believe the very first step is to open an account.
23:27
[SPEAKER_01]: So far as I only won that I will allow you to open an account without putting any money into it, but then between myself, between so far and vast, we will educate you on the kind of stocks and where you should start.
23:41
[SPEAKER_01]: So do me a favor before the end of this year.
23:43
[SPEAKER_01]: Just go open up the account.
23:45
[SPEAKER_01]: Even if you're saying Anthony, I only got five hours of putting in today.
23:47
[SPEAKER_01]: Anthony, I don't have zero occupying to it today.
23:50
[SPEAKER_01]: I want you to open the account.
23:52
[SPEAKER_01]: Take the first step and I'm going to walk with you the rest of the way.
23:54
[SPEAKER_01]: Go to anthonyonil.com for Sasha Invest to compare all the platforms and see wish one works best for you because your future millionaire self would thank you for taking action to gay.
24:05
[SPEAKER_01]: All right, let's get to number six.
24:09
[SPEAKER_01]: Upgrade where you make money, upgraded, yep, upgraded, what do you mean by upgrading Anthony where I make money, get you a standing desk, get you a chair that is comfortable like I need to honestly get rid of this chair, get you two monitors, not just one, get you some good lighting, get you a quality keyboard,
24:37
[SPEAKER_01]: This is your well-the-building command center.
24:40
[SPEAKER_01]: This is where you'll be riding your bus.
24:42
[SPEAKER_01]: This is where you're gonna be running in the majority of your business.
24:44
[SPEAKER_01]: Do not be cheap in these areas.
24:47
[SPEAKER_01]: Don't be hunched over a laptop.
24:51
[SPEAKER_01]: On the couch talking about, I'm building an empire.
24:54
[SPEAKER_01]: Where?
24:55
[SPEAKER_01]: On that TV tray?
24:59
[SPEAKER_01]: Bad posture.
25:00
[SPEAKER_01]: cost you productivity.
25:03
[SPEAKER_01]: Bad posture cost you medical expenses down the road because your back is going to be jacked up.
25:10
[SPEAKER_01]: Lost productivity cost you promotions.
25:13
[SPEAKER_01]: Miss promotions cost you hundreds of thousands of dollars over your career.
25:20
[SPEAKER_01]: My standing desk was $400.
25:22
[SPEAKER_01]: My chair was $600.
25:29
[SPEAKER_01]: If that set up helps me earn just $2,000 more, that is a well-investment on my side, because it paid for itself.
25:42
[SPEAKER_01]: You got to invest where you made money at.
25:45
[SPEAKER_01]: Your workspace should inspire you to work and not make you take a nap.
25:50
[SPEAKER_01]: I'm gonna say it more in time.
25:53
[SPEAKER_01]: If you follow me on Instagram, which you should, Anthony O'Neill, that's my Instagram handle,
26:00
[SPEAKER_01]: You will see last year I invested into my office.
26:02
[SPEAKER_01]: When I walked into my office, I wasn't inspired to work.
26:06
[SPEAKER_01]: And I was like, man, I need to change this around.
26:08
[SPEAKER_01]: So I hired some of the coming here and build me some book shows.
26:11
[SPEAKER_01]: And my bottom standing desk.
26:14
[SPEAKER_01]: And now I love going into my office.
26:17
[SPEAKER_01]: I don't work out of my studio here.
26:19
[SPEAKER_01]: I just come here and we shoot.
26:23
[SPEAKER_01]: But I enjoy where I work and where I study when I walk into that office.
26:29
[SPEAKER_01]: So I feel like I can, I feel like I'm Superman when it comes to financial literacy, because I feel like I walk in and I walk in as Clark Kent, but I come out of Superman.
26:41
[SPEAKER_02]: Number seven.
26:47
[SPEAKER_02]: This is the thing that changed everything for me.
26:53
[SPEAKER_01]: This is a thing that some of you probably are going to push back on.
26:57
[SPEAKER_01]: Let me know in the comments sections if you agree, if you disagree.
27:01
[SPEAKER_01]: But this change everything from being, I believe it will change everything for you.
27:05
[SPEAKER_01]: You all know I don't hide my spiritual work.
27:12
[SPEAKER_01]: But you got to set up tithing and a giving system.
27:16
[SPEAKER_01]: I'll tell you our early that we should be investing 25% of our money, 15% into the investment account to out of 15% but then our 10% needs to go into God.
27:31
[SPEAKER_01]: And then how's that investments?
27:33
[SPEAKER_01]: Well, because the first 10% of your money goes back to God, period, point blank and simple.
27:47
[SPEAKER_01]: I pay God, I hate that verb, which I don't pay God.
27:50
[SPEAKER_01]: I just give God back his 10%.
27:54
[SPEAKER_01]: This is the welfare grid, nobody wants to talk about because it doesn't make sense on paper.
28:01
[SPEAKER_01]: It doesn't even make sense for some of y'all who was listening to it right now, like Anthony, how's this, how's this ROI?
28:08
[SPEAKER_01]: But I'm telling you.
28:11
[SPEAKER_01]: I've never seen God let a generous person from his or her core go broke.
28:18
[SPEAKER_01]: And my saying they have a perfect life.
28:20
[SPEAKER_01]: I'm saying that they're wealthy and rich, absolutely not, but I've never seen God.
28:25
[SPEAKER_02]: Give someone, or allow someone who is generous to go broke.
28:34
[SPEAKER_01]: There's a pastor, I won't say his name, set on the panel with them.
28:43
[SPEAKER_01]: He was impressed with how I stood when it comes to generosity.
28:47
[SPEAKER_01]: And when it comes to, you know, my tithing as a financial guy.
28:55
[SPEAKER_01]: I stood my grounds.
28:56
[SPEAKER_01]: I mean, the first 10% I invests in a guy back into God because I want God to understand that if you bless me with more millions, I'm going to be generous.
29:07
[SPEAKER_01]: When I when I tell like some of my business friends and business partners how I pay off commission to my team of the man you're crazy there's no way in the world I'm paying out that much money and commission will you when you got to eat up all the fees in the cost.
29:21
[SPEAKER_02]: I'm like yeah, but it's like if I don't have a team and I don't I can't make money.
29:29
[SPEAKER_02]: Generosity.
29:31
[SPEAKER_01]: stood on that ground and a week later when I got home there was a package that came to my front door and it was a Gucci suit.
29:42
[SPEAKER_01]: And I like name brand things.
29:43
[SPEAKER_01]: I've just never worn a Gucci suit before and I called the pastor and he said, man, I just wanted to bless you with something.
29:48
[SPEAKER_01]: This was a $7,000 suit.
29:52
[SPEAKER_01]: I haven't worn it to this day.
29:53
[SPEAKER_01]: You know,
29:59
[SPEAKER_01]: I just saw him recently at a wedding and he said, man, generosity is probably my strength, but it's also probably my weakness.
30:08
[SPEAKER_01]: His church gives away $400,000 a year.
30:14
[SPEAKER_01]: That's not to other communities, no, no, no, he gives away he pays people's rent, car
30:27
[SPEAKER_01]: Anthony, why are you telling me the story?
30:29
[SPEAKER_01]: I said because I'm telling this because I've never seen him go broke.
30:32
[SPEAKER_01]: I've never seen him not be able to provide the life that he desires for his wife and for his children.
30:37
[SPEAKER_01]: I've never seen him struggle.
30:40
[SPEAKER_01]: Am I saying his life is perfect?
30:41
[SPEAKER_01]: No, am I saying my life is perfect?
30:43
[SPEAKER_01]: Absolutely not.
30:45
[SPEAKER_01]: I got issues.
30:46
[SPEAKER_01]: I got headaches.
30:48
[SPEAKER_01]: Heck, I even got some time, some money drama.
30:52
[SPEAKER_02]: Can I be honest with you, though?
30:59
[SPEAKER_01]: Stepping out of my own, those first two to three years, I shouldn't have been my company should not have made millions.
31:06
[SPEAKER_01]: If you would have asked me or asked anyone who knew of my current situation, there's no way in the world we would have thought my company would have been making millions.
31:16
[SPEAKER_01]: And I'm saying this, not just one million, not just two million.
31:19
[SPEAKER_01]: My company is made millions every single year and I say, God, why?
31:23
[SPEAKER_01]: And it's not because I'm perfect.
31:24
[SPEAKER_01]: I'm still growing and evolving as a man.
31:26
[SPEAKER_01]: I still have sins and issues.
31:29
[SPEAKER_01]: that I'm working on, but I think it's because of my generosity.
31:33
[SPEAKER_01]: It because of my generous heart.
31:37
[SPEAKER_01]: I love giving to my local church.
31:38
[SPEAKER_01]: I love giving about to you all.
31:40
[SPEAKER_01]: I love giving to my team and I just love being a generous person.
31:47
[SPEAKER_01]: And I believe, guys, I mean, although you're flawed and although you have issues Anthony, you at your core, I can trust you with more.
32:01
[SPEAKER_01]: It ain't because I'm the best financial YouTuber.
32:04
[SPEAKER_01]: It's not because I come up with the best financial content.
32:07
[SPEAKER_01]: I know that for a fact.
32:09
[SPEAKER_01]: But guy knew he can trust me.
32:11
[SPEAKER_01]: So what I want you to do is I want you to set up automatic typing to your church.
32:15
[SPEAKER_01]: Yeah, I said it.
32:18
[SPEAKER_01]: Create a blessing of theirs fun.
32:21
[SPEAKER_01]: When God tells you to bless somebody, you can do it without checking your bank account.
32:26
[SPEAKER_01]: Y'all want to know why my business keeps growing even when I can't explain it is because God sees my heart, like I said.
32:35
[SPEAKER_01]: The 90% I keep grows because he can trust me with it, but Anthony, I can't afford to tie it.
32:44
[SPEAKER_01]: Here's my thing, you can't afford not to tie it.
32:49
[SPEAKER_01]: to say about math, because the math won't make sense.
32:53
[SPEAKER_01]: It is honestly about faith.
32:56
[SPEAKER_01]: And faith moves mountains that math can't even measure.
33:02
[SPEAKER_01]: Anthony, I don't have a church.
33:03
[SPEAKER_01]: Well, let me invite you to my church.
33:05
[SPEAKER_01]: Union Church, we're online.
33:08
[SPEAKER_01]: Look up union church BWI union church if you're in Charlotte we got churches coming to Texas to Georgia to to Africa like we we have the best church in the world and and I want to encourage you if you do not have a church home I'm actually going to put the link to my church inside of today show notes and I want you to try God just just give a time.
33:37
[SPEAKER_01]: Watch this on Sunday.
33:38
[SPEAKER_01]: Watch past this even in passenger's eye-channel.
33:42
[SPEAKER_01]: Be a part of a but church that fees your soul and fees your mind.
33:48
[SPEAKER_01]: And just try to hide.
33:50
[SPEAKER_01]: Listen, I want you to try a tithing for three months, which is just once a month, right?
33:55
[SPEAKER_01]: Because you get paid once a month or two times a month, right?
33:58
[SPEAKER_01]: I want you to try it for 90 days consecutively.
34:09
[SPEAKER_02]: I spent too much time with that when I'm sorry.
34:10
[SPEAKER_01]: Let me get to number eight.
34:13
[SPEAKER_01]: Once you buy a property that makes money, not your primary home, that's a liability until it's paid off as be honest.
34:19
[SPEAKER_01]: I'm talking about an investment property.
34:22
[SPEAKER_01]: Start with the duplex.
34:23
[SPEAKER_01]: If I can go back to the very first time I bought a home, I wish I didn't buy an actual home.
34:29
[SPEAKER_01]: I wish I would have purchased a duplex.
34:32
[SPEAKER_01]: I wish I would have lived on one side or ran out the other.
34:34
[SPEAKER_01]: Your tenant page and mortgage while you live rent free, I should have done that.
34:39
[SPEAKER_01]: But no, I try to ball out and impress my fiance at the time and build us a custom home when I should say, hey, babe, we don't get to this bag and that's hack the system or just buy some land y'all just land holding because watches guy didn't make it no more land, but they printing money more money every single day.
35:01
[SPEAKER_01]: What do you think that land is going to be worth in 20 years?
35:04
[SPEAKER_01]: I bought land for my future grandkids and since I didn't my trust so when they get older I'm giving them something they will know my name that's generational thinking stop buying cars that depreciate every freaking year and start buying dirt that appreciates that rhymes stop buying cars that depreciate start buying dirt that appreciates as a song Let me get to the last two things that you tell about it here, man.
35:32
[SPEAKER_01]: Number nine, even if it's a side hustle, treat it like it's a business.
35:37
[SPEAKER_01]: I want you to do a LLC formation.
35:39
[SPEAKER_01]: Get your business bank account, quit books, or proper accounting software.
35:44
[SPEAKER_01]: I really want you to focus on that.
35:47
[SPEAKER_01]: You see, poor people keep jobs.
35:49
[SPEAKER_01]: Middle class people have good jobs.
35:52
[SPEAKER_01]: Well, if the people have businesses and a job.
35:56
[SPEAKER_01]: I'm gonna say it one more time.
35:57
[SPEAKER_01]: Poor people,
35:59
[SPEAKER_01]: have jobs, middle class people, they got pretty good jobs, wealthy people have businesses and jobs.
36:06
[SPEAKER_01]: Why is that?
36:07
[SPEAKER_01]: Because the task code is written for people who own businesses.
36:11
[SPEAKER_01]: Your job is what you do for money, but your business is what you do for wealth.
36:14
[SPEAKER_01]: It's what you actually enjoy.
36:17
[SPEAKER_01]: It costs $200 a format LLC.
36:21
[SPEAKER_01]: $30 a month for an accounting software.
36:24
[SPEAKER_01]: Maybe $500 for a lawyer to do it 100% right.
36:28
[SPEAKER_01]: That's less than a thousand are also protect yourself and create unlimited income potential.
36:33
[SPEAKER_01]: Stop treating your side hustle like a happy.
36:36
[SPEAKER_01]: Structure it like a million dollar business, it could become.
36:40
[SPEAKER_01]: I think I have a link when it comes to starting at LOC.
36:44
[SPEAKER_01]: I will put that inside of the show notes today as well.
36:47
[SPEAKER_01]: I can't remember the link, but look inside the show notes.
36:50
[SPEAKER_01]: And it's super, super affordable.
36:51
[SPEAKER_01]: It can have you up and running with a legit LOC business from a actual attorney within a matter of 48 to 72 hours, which leads me to the last thing.
37:00
[SPEAKER_01]: Number 10, and this is for your family.
37:02
[SPEAKER_01]: This is not for you, but get your legacy documents in order.
37:06
[SPEAKER_01]: wheel, trust, life insurance, power of attorney, health care directives.
37:11
[SPEAKER_01]: But Anthony, I'm young.
37:13
[SPEAKER_01]: So I don't care if you 25.
37:16
[SPEAKER_02]: I don't care if you 21.
37:20
[SPEAKER_01]: I don't care if you don't have any kids tomorrow is not promised to nobody.
37:25
[SPEAKER_01]: I'm literally not feeling well today.
37:29
[SPEAKER_01]: Yesterday, I felt great.
37:30
[SPEAKER_01]: Today, I woke up with this little head cone, what an Anthony, what this, what is sitting?
37:36
[SPEAKER_01]: You just don't know what tomorrow holds.
37:38
[SPEAKER_01]: And I'll be honest with you, man.
37:41
[SPEAKER_01]: I feel good knowing that if God brought me home tomorrow, please don't.
37:46
[SPEAKER_01]: But if God brought me home tomorrow, I'm in heaven with no more pain.
37:56
[SPEAKER_02]: no more mental breakdowns, no more worrying about people blogging about me.
38:06
[SPEAKER_01]: I'm in heaven smiling and my family is probably down here crying in tears because I'm going but I left them something.
38:16
[SPEAKER_01]: I didn't leave them with stress.
38:17
[SPEAKER_01]: I didn't leave them worrying about paying bills.
38:20
[SPEAKER_01]: I didn't leave them with more drama, more debt.
38:26
[SPEAKER_01]: I left them within the state.
38:29
[SPEAKER_01]: If you don't have a will, if you don't have a trust, the government will decide who gets your money, the government.
38:37
[SPEAKER_01]: They will take 40% in taxes and get the rest who ever they think deserves it.
38:47
[SPEAKER_02]: They send life insurance and it isn't for you, it isn't for me.
38:53
[SPEAKER_02]: It's, so your family doesn't have to start a go-fun me when you're gone.
38:59
[SPEAKER_02]: Let me speak to black people.
39:01
[SPEAKER_02]: And I mean this respectfully.
39:06
[SPEAKER_01]: But why in a heck are we relying on go-fun me?
39:10
[SPEAKER_01]: Listen, man, if I pass, I'm telling you I'm right now.
39:13
[SPEAKER_01]: Don't do no go-fun me.
39:14
[SPEAKER_01]: My family is well taken care of.
39:18
[SPEAKER_01]: Well, listen, my family's so taken care of that my nephews and leases will have enough money to play for all their college.
39:28
[SPEAKER_01]: If I have kids, my kids will have enough money for their college.
39:34
[SPEAKER_01]: for them to buy a house and for my wife to pay off all of our houses and investment properties and have more than enough money to live off of life because my life insurance policy, my world building portfolio is all in place.
39:52
[SPEAKER_01]: This cost me maybe $2,000 or set up properly.
39:55
[SPEAKER_01]: but it protects everything you've built, every single thing.
39:59
[SPEAKER_01]: Stop saying you love your family if you haven't protected them when you're gone.
40:06
[SPEAKER_01]: Listen, and I'm gonna say it, straight forward.
40:09
[SPEAKER_01]: I'm looking dead in this camera.
40:10
[SPEAKER_01]: Stop saying you love your family and you have not put together in a state plan for them.
40:18
[SPEAKER_01]: If you've got a Louis Vuitton person, you don't have a will or a trust for your family, I gotta question, do you really love it?
40:28
[SPEAKER_02]: If you've got a pair of Jordans and you don't have an estate plan for your son for your daughter.
40:34
[SPEAKER_02]: I got a question.
40:36
[SPEAKER_02]: Do you love them?
40:42
[SPEAKER_01]: I don't care if you and the baby mama you and the baby daddy don't really like each other like that.
40:46
[SPEAKER_01]: Get out of your freaking fillings, get on the same page and make sure that you will have a wheel and a trust that benefits your son or your daughter.
41:01
[SPEAKER_02]: You driving a BMW, you got a Mercedes lease, but you don't have an estate plan for your loved ones.
41:08
[SPEAKER_02]: Do you really love him?
41:13
[SPEAKER_02]: I was convicted.
41:14
[SPEAKER_02]: I don't have a wife nor kids, but I got family who I love.
41:18
[SPEAKER_01]: And God will me at one more minute.
41:19
[SPEAKER_01]: You got all this.
41:20
[SPEAKER_01]: What happens when you're gone?
41:24
[SPEAKER_02]: What happens Anthony?
41:27
[SPEAKER_02]: What happens?
41:28
[SPEAKER_02]: What if your mom got a barrio?
41:31
[SPEAKER_01]: What if your sister?
41:32
[SPEAKER_01]: What if your brother?
41:33
[SPEAKER_01]: What if your brother and low?
41:34
[SPEAKER_01]: What if your nephews and niece?
41:35
[SPEAKER_01]: What if your cousins?
41:36
[SPEAKER_01]: What happens if your father?
41:38
[SPEAKER_01]: What happens if?
41:41
[SPEAKER_01]: They have all this.
41:43
[SPEAKER_01]: But you're not being a good steward of what I trust you in.
41:47
[SPEAKER_01]: I felt convicted.
41:50
[SPEAKER_01]: So how in the head, can you have a son or a daughter?
41:52
[SPEAKER_01]: Have a husband or a wife?
41:53
[SPEAKER_01]: Have someone who you love and you haven't protected them?
41:58
[SPEAKER_01]: That is one of the best ways to say, son, I love you, daughter, I love you.
42:03
[SPEAKER_01]: Wife, husband, I love you.
42:05
[SPEAKER_01]: I was thinking about you.
42:08
[SPEAKER_02]: Let me say this, man.
42:11
[SPEAKER_02]: Cause I've seen it.
42:14
[SPEAKER_02]: You have kids out of wedlock
42:20
[SPEAKER_01]: Prevented you from doing what's right for your child, because you can't stand him and because you can't stand her.
42:30
[SPEAKER_01]: That is one of the most immature things we can do is that I'm not going to execute in a state plan for my children, but if I can't stand at daddy, because I can't stand there mama, man, grow to hell up, I said it.
42:47
[SPEAKER_02]: And I said, I'm going to put wills and trusts inside of today's show notes.
42:53
[SPEAKER_01]: So I'm going to cost you $200.
42:56
[SPEAKER_01]: Yes, you may have to have an uncomfortable not yes, you may know you're going to have to have an uncomfortable conversation with an attorney.
43:03
[SPEAKER_01]: You're going to have to have an uncomfortable conversation with your son or your daughter's other parent.
43:13
[SPEAKER_01]: Yes.
43:16
[SPEAKER_02]: But I promise you, you'll sleep better.
43:22
[SPEAKER_02]: Listen, this ain't about flexing.
43:23
[SPEAKER_01]: This is about showing off how much you love, and how much you can store what God has given you.
43:31
[SPEAKER_01]: This is about building something that outlasts you.
43:35
[SPEAKER_01]: Your children's children, children's children should benefit from the decisions we make today.
43:39
[SPEAKER_01]: That's kingdom building.
43:42
[SPEAKER_01]: That's legacy thinking.
43:44
[SPEAKER_01]: But remember the order.
43:46
[SPEAKER_01]: get debt free first using a desk no while method, build that emergency fund, second and start investing third, the minimum of 22 to 25% then buy the strategic upgrades.
44:01
[SPEAKER_01]: Don't get it twisted.
44:04
[SPEAKER_01]: Don't buy a standing desk while you got credit card debt.
44:08
[SPEAKER_01]: Don't pay for an expensive CPA while you live in paycheck to paycheck.
44:13
[SPEAKER_01]: But once you're ready, once you've built that, that level, the entry level of foundation, these 10 things will accelerate your wealth building like nothing else.
44:25
[SPEAKER_01]: Question for you.
44:26
[SPEAKER_01]: Put inside a comment below.
44:27
[SPEAKER_01]: Which one are you buying first?
44:30
[SPEAKER_01]: All right.
44:31
[SPEAKER_01]: Listen, I love you.
44:32
[SPEAKER_01]: God bless you.
44:33
[SPEAKER_01]: This is Boy Anthony O'Neill.
44:34
[SPEAKER_01]: Let me know in the comment section.
44:36
[SPEAKER_01]: Which one are you buying first?