Latest / The Table with Anthony ONeal / How To Pay Off $25,000 in Debt on a $45K Salary In 9 Months (Real Plan)

Transcript

How To Pay Off $25,000 in Debt on a $45K Salary In 9 Months (Real Plan) · The Table with Anthony ONeal

0:00
[SPEAKER_01]: What's going on, family?
0:01
[SPEAKER_01]: Today's show is going to be a little different.
0:03
[SPEAKER_01]: And before we get into it, I want you to watch this video just quick clip, because this is going to be the foundation of what we talk about today.
0:11
[SPEAKER_01]: Check it out.
0:12
[SPEAKER_00]: I say something respectfully, and what actually also a little bit disrespectfully, if you were not born after like 1990, I'm not going to take financial advice from you.
0:22
[SPEAKER_00]: Like, I am not going to listen to you when you talk to me about how to be financially successful.
0:26
[SPEAKER_00]: And I feel like that's going to trigger a lot of older people.
0:29
[SPEAKER_00]: the economy that you experience.
0:31
[SPEAKER_00]: No one is saying that you did not struggle underneath a terrible economy.
0:34
[SPEAKER_00]: But what I am saying is that the current economy that people who were born in like 1994 onward are living under is completely different.
0:42
[SPEAKER_00]: Then anything we have navigated before and the rules are not the same.
0:47
[SPEAKER_00]: And sometimes when people from older generations try to give me financial advice, I just look at them and I'm like, that literally doesn't matter anymore.
0:53
[SPEAKER_00]: Or advice that I would be like, well yeah, that would be an amazing piece of advice
0:58
[SPEAKER_01]: Now here's what I want to tell you before I go any further and a lot of a lot of you all within my community sent me this video hoping that I would just go after her and just check her and I'm not going to do that because that's not what my platform is for and I've never used my platform to attack people.
1:15
[SPEAKER_01]: But I do believe that there are some things that she said inside this video that are true that I'm going to cover before I talk about some things where I think she is or she was wrong get.
1:27
[SPEAKER_01]: This is not a reaction video.
1:29
[SPEAKER_01]: This is going to be a conversation.
1:30
[SPEAKER_01]: So let's have a conversation inside of the chat and if you're watching this live.
1:34
[SPEAKER_01]: Hey, let's talk back and forth.
1:36
[SPEAKER_01]: But here's why I specifically wanted to respond to this on his why I care about this specific conversation because right now in the background of all this noise, something massive is happening.
1:48
[SPEAKER_01]: Somewhere in between, I will say now in 28, roughly $124 trillion is going to be changing hands, moving from the boomer generation to my generation to millennials and Gen Z.
2:00
[SPEAKER_01]: That's not, I don't want to sound like I'm hyping this up.
2:03
[SPEAKER_01]: No, literally true again with the teeth.
2:06
[SPEAKER_01]: And here's my concern.
2:08
[SPEAKER_01]: If an entire generation grows up believing that the system is so rigged, that nothing they do matters, they are going to be perfectly positioned, watch this, to receive the wealth, and completely unprepared to keep it and stewarded.
2:23
[SPEAKER_01]: history is already taught us what happens next.
2:25
[SPEAKER_01]: Most inherited wealth doesn't survive to the third generation.
2:29
[SPEAKER_01]: And it's not because the money wasn't real, it's because nobody built the habits and the systems to hold it and to multiply it.
2:38
[SPEAKER_01]: So this conversation today.
2:40
[SPEAKER_01]: It's not gonna be about her, it's gonna be about you.
2:43
[SPEAKER_01]: Do you believe the system is stacked against you?
2:45
[SPEAKER_01]: Let's be real.
2:47
[SPEAKER_01]: Probably at least a little, but do you also believe?
2:51
[SPEAKER_01]: You still have control over what happens next.
2:54
[SPEAKER_01]: And I need you to sit with both of those questions because by the end of today's episode, I want you holding both truths at the exact same time.
3:05
[SPEAKER_01]: Now, we didn't have the opportunity to play the whole videos.
3:08
[SPEAKER_01]: I really want to break down what she said throughout her entire video.
3:12
[SPEAKER_01]: Because I want to make sure I honor her where I believe she's right, but also give some constructive wisdom to where I believe she is wrong.
3:23
[SPEAKER_01]: She said, she's not going to take financial advice from anyone not born after 1990.
3:29
[SPEAKER_01]: She was careful and I totally respect this to say, she's not claiming the older generation, my generation, because I was born 84, never struggled.
3:38
[SPEAKER_01]: She specifically named it 2008 crisis and said, older millennials got crushed by that, right?
3:43
[SPEAKER_01]: Her point was narrow than I think what people were giving her credit for.
3:47
[SPEAKER_01]: because hardship does exist and it did exist.
3:50
[SPEAKER_01]: But the mechanics of building financial stability have changed so much that the specific tactical advice doesn't map out on to today's reality anymore.
4:02
[SPEAKER_01]: She also talked about childcare costing anywhere between 2003 and $3,000 a month for just one child.
4:09
[SPEAKER_01]: She talked about applying to hundreds and hundreds of jobs and getting zero interviews.
4:14
[SPEAKER_01]: She also talked about what I'll say a third of people under 30 having to move back in with their parents.
4:21
[SPEAKER_01]: And the last thing she said was, listen, me choosing not to have kids right now is not selfishness.
4:27
[SPEAKER_01]: It's honestly the most responsible decision that she could make.
4:32
[SPEAKER_01]: Her ask wasn't never talked to me again.
4:36
[SPEAKER_01]: Here's what I heard from me listening to it.
4:39
[SPEAKER_01]: Verify advice, Odegeneration against current data before you handed to me like it's gospel and lead with empathy instead of judgment.
4:49
[SPEAKER_01]: And if I got a beyond with you all, I want you to notice something that's not an unreasonable ask.
4:56
[SPEAKER_01]: I are truly to believe that is a mature ask, that is a wise ask.
5:02
[SPEAKER_01]: And my generation up, we should be leading like,
5:06
[SPEAKER_01]: Check this out, family.
5:07
[SPEAKER_01]: Did you know that nearly 4 in 10 Americans still have zero money invested in the stock market?
5:14
[SPEAKER_01]: That's a gap where wealth is built or missed.
5:17
[SPEAKER_01]: If you're just saving, you're falling behind because the market's average close to about a 10% a year for a century while your savings account is barely keeping up with inflation.
5:29
[SPEAKER_01]: I want to make this plan.
5:30
[SPEAKER_01]: If you wait just five years to start investing, you could lose out on hundreds of thousands of dollars in future wealth.
5:36
[SPEAKER_01]: That's not hype, that's real math.
5:38
[SPEAKER_01]: The wealth is 10% of Americans now own over 90% of all stocks because they started and they stayed consistent.
5:46
[SPEAKER_01]: But here's the thing, you don't need to be rich to honestly get inside of the investing game.
5:51
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6:04
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6:07
[SPEAKER_01]: Listen, I need you to hear me clearly.
6:09
[SPEAKER_01]: Stop sitting on a sidelines.
6:11
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6:19
[SPEAKER_01]: Your future self and your children's children will thank you for taking action right now.
6:25
[SPEAKER_01]: We have to start building wealth, not just watching others get rich.
6:30
[SPEAKER_01]: do not let another year go by.
6:32
[SPEAKER_01]: As my fat don't let another day go by.
6:35
[SPEAKER_01]: Take the first to that family.
6:36
[SPEAKER_01]: Visit www.anthonyoneo.com for Sasha Invest.
6:40
[SPEAKER_01]: Let's get to work.
6:40
[SPEAKER_01]: Let's start investing ASAP.
6:43
[SPEAKER_01]: Let's get back to the show.
6:44
[SPEAKER_01]: So let's start here.
6:46
[SPEAKER_01]: I'm sorry.
6:47
[SPEAKER_01]: Yeah, I'm sorry here.
6:48
[SPEAKER_01]: Because I think this is where a lot of the internet got it backwards.
6:52
[SPEAKER_01]: They jump straight to outrage and skip right past the part she got completely completely completely right.
6:59
[SPEAKER_01]: Number one, the cost of raising the child today is not the cost it was 20 years ago.
7:05
[SPEAKER_01]: It wasn't the cost to raise me.
7:07
[SPEAKER_01]: Listen, I look more into it.
7:09
[SPEAKER_01]: Depending on where you live, a full-time infant care really can run between $23,000 extra a month.
7:17
[SPEAKER_01]: That's not a exaggeration, right?
7:19
[SPEAKER_01]: That's a real documentary and brutal number.
7:23
[SPEAKER_01]: Number two.
7:25
[SPEAKER_01]: The entry-level job market right now is genuinely harder to break into than has been in a very long time, applying the two at 300 jobs and getting a silence back, that is honestly happening.
7:37
[SPEAKER_01]: And I know this as a professor, because my students are constantly coming to me and saying, hey, I'm not getting a response, so I can relate with that one.
7:47
[SPEAKER_01]: Number three, and this is the one I want to slow down on a little bit, right?
7:51
[SPEAKER_01]: Choosing not to have the child you cannot afford to raise well is not selfish.
7:56
[SPEAKER_01]: It is honestly why stewardship.
7:57
[SPEAKER_01]: Proverbs talks about the why storing up what they have for the right season instead of consuming everything now with no plan.
8:06
[SPEAKER_01]: So that's not a modern idea.
8:08
[SPEAKER_01]: That's an ancient one, and she landed in a biblical principle without even quoting scripture.
8:15
[SPEAKER_01]: She's wise.
8:16
[SPEAKER_01]: I would say.
8:17
[SPEAKER_01]: Number four is when older generations mock or dismiss the younger peoples, financial struggle without listening first, that does road damage.
8:29
[SPEAKER_01]: I've had grown man tell me 20 somethings today are just lazy and titled soft and I don't believe that.
8:38
[SPEAKER_01]: I've talked to many of them on this show of I've been impressed by a lot of them.
8:44
[SPEAKER_01]: They're not lazy.
8:45
[SPEAKER_01]: Heck, I got some of them on my team.
8:49
[SPEAKER_01]: But let me tell you something about me because I need you to know I'm not talking from
9:01
[SPEAKER_01]: Get it.
9:02
[SPEAKER_01]: Yes, I'm 42 years old, but 21 years ago, I put my car into a gas station on fumes because I was too scared to check my balance until I had to.
9:15
[SPEAKER_01]: I called the Automated Line and told me I had 6,000 32 cents to my name.
9:19
[SPEAKER_01]: It was Wednesday.
9:21
[SPEAKER_01]: I didn't get paid until Friday.
9:23
[SPEAKER_01]: I was about to be broke for two straight days, so I filled my tank up, knowing the gas station would only authorize it for about a dollar.
9:30
[SPEAKER_01]: that I drove to make Donald's got me too large on two large sweet teas, two double cheese burgers, cut those up and half when I got home and those that two cheese burgers and those two large sweet teas helped me survive until Friday.
9:46
[SPEAKER_01]: Y'all I had to water down a sweet tea just so I could have a little bit of flavor over a couple of days.
9:53
[SPEAKER_01]: So when somebody tells me, I don't understand the struggle because of when I was born.
9:58
[SPEAKER_01]: I honestly don't take offense to it.
10:00
[SPEAKER_01]: I take it as an invitation to say, I remember exactly what that feels like.
10:05
[SPEAKER_01]: Yes, it was during a different time, but I understand the feeling.
10:08
[SPEAKER_01]: And that's exactly why I refuse to lay anybody younger old, stay stuck there believing that there's no way out.
10:23
[SPEAKER_01]: I want to talk about what I believe.
10:26
[SPEAKER_01]: I need to push back going in a respectful 11-way, and you ought to tell me if I wrong.
10:30
[SPEAKER_01]: Because I think the way this got framed opens a door is that I believe it's more dangerous in our original complaint.
10:38
[SPEAKER_01]: Here's the distinction I need you to hold on to for the rest of today's episode.
10:44
[SPEAKER_01]: There is a difference between financial principle and financial tactics.
10:50
[SPEAKER_01]: You see, a tactic is the specific move you make in a specific decade.
10:55
[SPEAKER_01]: by our starter home at 25, work one job for 30 years, save $1,000 for emergencies, those are tactics and taxes, apt tactics, absolutely change with the economy.
11:08
[SPEAKER_01]: So she is right about that.
11:10
[SPEAKER_01]: But a principle is different.
11:12
[SPEAKER_01]: Spin less than what you earn, avoid consumer debt.
11:17
[SPEAKER_01]: Build margin before you multiply your money.
11:20
[SPEAKER_01]: Save before you invest.
11:22
[SPEAKER_01]: Those aren't 1990 ideas.
11:24
[SPEAKER_01]: Those are not even 2020 ideas, because they're not about the economy.
11:30
[SPEAKER_01]: They're about human behavior.
11:33
[SPEAKER_01]: So when somebody says, I would not listen to a Dave Ramsey or Anthony on you because they were born before 1990, what they're really saying is even if they don't mean it this way, watch this, that the principle themselves must be outdated, not just the tactics.
11:53
[SPEAKER_01]: And that's where it gets dangerous.
11:55
[SPEAKER_01]: Because once you convince yourself, the principles don't apply to you anymore, you stop applying any of them.
12:02
[SPEAKER_01]: And that's not liberation.
12:04
[SPEAKER_01]: That you are paralyzing yourself wearing a costume of a valid complaint.
12:11
[SPEAKER_01]: And I want to bring somebody, most of us respect, regardless of the generation.
12:17
[SPEAKER_01]: into this conversation.
12:19
[SPEAKER_01]: Warren Buffett, the man is in his 90s.
12:22
[SPEAKER_01]: His core investing principles were formed decades before either of us were born and they still outperform almost everybody trying to, I would say, be a millionaire.
12:35
[SPEAKER_01]: He is a living principle by value, be patient, let compound
12:49
[SPEAKER_00]: nothing to do with whether that's true.
12:51
[SPEAKER_01]: What happens to your family if something happened to you?
12:56
[SPEAKER_01]: I'm gonna ask out again.
12:57
[SPEAKER_01]: What happens to your family when something happens to you?
13:00
[SPEAKER_01]: You see, life insurance feels scary, it feels complicated, and even expensive.
13:05
[SPEAKER_01]: But here's the thing, it doesn't have to be anymore.
13:10
[SPEAKER_01]: Most of us are walking around with no life insurance policy, but we have a name brand item.
13:16
[SPEAKER_01]: Thinking, I'm young, I'm healthy, I got time.
13:21
[SPEAKER_01]: family I want to be honest with you, I'm so sorry, that's not fate, that is pure foolishness.
13:27
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13:29
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13:34
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13:37
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13:43
[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.
13:51
[SPEAKER_01]: Term life insurance.
13:53
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13:58
[SPEAKER_01]: Look, I healthy 30-year-old can get a 500,000 policy for about 25,000 months.
14:04
[SPEAKER_01]: That's less than your Netflix and Spotify, combined.
14:07
[SPEAKER_01]: Listen, your family deserves to be protected.
14:12
[SPEAKER_01]: Don't leave them struggling to pay bills and funeral costs because you kept putting this off.
14:19
[SPEAKER_01]: While you're in heaven, smiling, your family's down here stressed because of your poor decisions.
14:24
[SPEAKER_01]: Let's stop playing games with your family's future.
14:27
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14:35
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14:41
[SPEAKER_01]: You will feel way better and sleep better at night.
14:45
[SPEAKER_00]: All right, let's get back to today's show.
14:48
[SPEAKER_01]: Here is another principle or another way to see it.
14:51
[SPEAKER_01]: Every single generation in America history has believed their economy was the hardest one that's ever existed.
14:58
[SPEAKER_01]: The generation before 2008 lived through Stacflation and the 70s on when to say to 80s.
15:04
[SPEAKER_01]: Double digit inflation, right?
15:06
[SPEAKER_01]: Double digit interest rates.
15:08
[SPEAKER_01]: Farmers closing land, I mean loads closing, I'm sorry, farmers losing land that they held for generations.
15:16
[SPEAKER_01]: The generation before that lived through the Great Depression.
15:20
[SPEAKER_01]: Every generation is going to say, you do not understand.
15:25
[SPEAKER_01]: The times are different.
15:27
[SPEAKER_01]: and every generation that actually built something did it despite believing that, not because the world got easier for them.
15:42
[SPEAKER_01]: I want to tell you all about a young man I worked with Nate Marcus.
15:47
[SPEAKER_01]: He's a single dead as two boys.
15:49
[SPEAKER_01]: Worked as a warehouse supervisor and I wanted to say North Carolina.
15:54
[SPEAKER_01]: He had just finished paying off his last credit card and had built about a $1,300 buffer when his boss called him in and said, but where nobody wants to hear, we're downsizing.
16:06
[SPEAKER_01]: It wasn't his fault.
16:07
[SPEAKER_01]: It wasn't performance.
16:09
[SPEAKER_01]: He was just unfortunately let go.
16:13
[SPEAKER_01]: His first thought was, how am I going to feed my boys?
16:16
[SPEAKER_01]: But that $1,300 covered him.
16:19
[SPEAKER_01]: He picked up food delivery work, applied around within a few weeks.
16:24
[SPEAKER_01]: He landed another distribution center job.
16:27
[SPEAKER_01]: He called my show after and said that a little bit of savings literally saved me from going back into debt or worse.
16:36
[SPEAKER_01]: You see, Marcus didn't have an easy economy.
16:41
[SPEAKER_01]: But Mark is did have a plan in strategy.
16:44
[SPEAKER_01]: Those aren't the same things, but people confuse them all the time.
16:52
[SPEAKER_01]: I'm going to go a little bit deeper, and I want to bring this all the way home for all of us.
17:05
[SPEAKER_01]: You can hold both of these at the same time.
17:08
[SPEAKER_01]: The economy is genuinely harder for people entering into adulthood in the 2026 and beyond.
17:15
[SPEAKER_01]: Let's be honest.
17:17
[SPEAKER_01]: And you still have more control over your outcome than you've ever been told.
17:23
[SPEAKER_01]: It's not a contradiction.
17:26
[SPEAKER_01]: Honestly, I will say that's maturity.
17:30
[SPEAKER_01]: Remember that number that I gave you at the beginning, 124 trillion moving hands over the next couple of decades?
17:39
[SPEAKER_01]: That transfers coming whether you're ready for it or not.
17:43
[SPEAKER_01]: So the question isn't whether the money shows up.
17:46
[SPEAKER_01]: The question is whether you'll be in position to receive it and actually keep it and grow it, or whether
17:56
[SPEAKER_01]: You'll be so buried in debt and so convinced nothing works that money passes right through your hands.
18:06
[SPEAKER_01]: The way it does for most families that inherit wealth without ever building the habits to hold it.
18:24
[SPEAKER_01]: Not as five steps to get rich, but as five phases to build an actual financial house.
18:31
[SPEAKER_01]: Later foundation, clear the debt, build the frame with real savings, then scale it with investing, and then submit and secure your legacy.
18:40
[SPEAKER_01]: Once you notice something there, none of those phases require a perfect economy.
18:45
[SPEAKER_01]: They just require a decision from you.
18:50
[SPEAKER_01]: not from the economy, but from you, there's a young lady, I'm sorry, there's a young couple, I want to say inside my book, John and Jasmine, 25 years old living in a small, two-bedroom home in Atlanta, credit card debt is climbing.
19:07
[SPEAKER_01]: Jasmine just found out that she's pregnant in that same conversation where they should have been celebrating.
19:13
[SPEAKER_01]: Jasmine breaks down because she's always pictured only a home like the ones she grew up in and right now they can't even keep their savings account above zero and they're expecting a baby.
19:31
[SPEAKER_01]: John doesn't have her husband doesn't have his solution in that moment.
19:36
[SPEAKER_01]: What he has is it is a decision.
19:38
[SPEAKER_01]: I don't know how, but there's got to be a better way and I'm going to find it.
19:45
[SPEAKER_01]: To me, that's it.
19:46
[SPEAKER_01]: That's the whole turning point.
19:47
[SPEAKER_01]: Not a perfect economy.
19:49
[SPEAKER_01]: Not a older person fixing it for the people.
19:52
[SPEAKER_01]: It is literally a decision, followed by a plan and a strategy.
19:57
[SPEAKER_01]: It is a decision, followed by a plan and a strategy, not a better economy, not a better, not an easier job economy.
20:04
[SPEAKER_01]: It is a plan.
20:06
[SPEAKER_01]: Because the Bible says it plainly, he who is faithful and what is least is faithful also and much.
20:15
[SPEAKER_01]: I think that's over in what Luke, on Luke 1610.
20:19
[SPEAKER_01]: Nobody gets trusted with big wealth transfers who hasn't first proven faithful with the small stuff first.
20:26
[SPEAKER_01]: The budget, the debt snowball, the emergency fund.
20:30
[SPEAKER_01]: The verse doesn't check your birth certificate before it applies to you.
20:37
[SPEAKER_01]: It checks to see, have you been faithful?
20:40
[SPEAKER_01]: Can we call you a good and faithful servant?
20:45
[SPEAKER_01]: So if you're watching this, and you're under 30, or you're 40, and you've been filling exactly what she described, here's what I need you to do starting today, not next month, but today, the very first thing we're going to have is up on a screen, screen somehow, right down your financial vision.
21:07
[SPEAKER_01]: three to five sentences about where you actually want to be.
21:12
[SPEAKER_01]: And what you'll need to do this year to progress and move forward towards it.
21:19
[SPEAKER_01]: Second, building one month buffer in Ohio, saying it's a count.
21:24
[SPEAKER_01]: Not a thousand dollars sitting in a bank paying you basically nothing.
21:28
[SPEAKER_01]: An actual month of your net pay sitting somewhere earning 45% instead of, I will say,
21:38
[SPEAKER_01]: If you can go to anthonyoneo.com for slash savings to open up that high yo savings account today.
21:44
[SPEAKER_01]: The number three, if you're carrying consumer debt, hit listen to me.
21:50
[SPEAKER_01]: I need you to start the debt snowball today.
21:54
[SPEAKER_01]: I've done so many videos on this, and I really, really break this down inside of my book, stop living in a paycheck to paycheck.
22:00
[SPEAKER_01]: So make sure you get a copy of that.
22:02
[SPEAKER_01]: But the Death Snowball is simple.
22:04
[SPEAKER_01]: You pay the smallest balance first, listed, list out all of it, all of your debt.
22:09
[SPEAKER_01]: Attack the smallest one first, and you're gonna build momentum because you can go from the smallest one to the next one to the next one.
22:16
[SPEAKER_01]: That's called the Death Snowball.
22:18
[SPEAKER_01]: But again, maybe I'll link some other shows, really breaking down a desk, no ball for you all.
22:24
[SPEAKER_01]: But honestly, I think the best description of ever done about the desk, no ball.
22:28
[SPEAKER_01]: And why I believe it is the best method out there.
22:33
[SPEAKER_01]: I really break it down inside my book.
22:34
[SPEAKER_01]: So listen, go inside my show notes, get a copy of my book.
22:38
[SPEAKER_01]: You can pre-order it today.
22:40
[SPEAKER_01]: It's not going to cost you that thing.
22:41
[SPEAKER_01]: And I'm going to send you about $2, $300 worth of freebies today.
22:45
[SPEAKER_01]: They hope you get started in your financial journey.
22:49
[SPEAKER_01]: And this one matters more now than ever.
22:55
[SPEAKER_01]: We gotta get to a point.
22:58
[SPEAKER_01]: How do I say this?
23:02
[SPEAKER_01]: We gotta get to a point to where we are no longer changing our time from money.
23:07
[SPEAKER_01]: And money is buying back our time.
23:12
[SPEAKER_01]: I hear you.
23:14
[SPEAKER_01]: You're saying Anthony, how do we do that though?
23:16
[SPEAKER_01]: I'm busted my butt right now.
23:20
[SPEAKER_01]: Okay.
23:22
[SPEAKER_01]: Do you have a job?
23:23
[SPEAKER_01]: Do you have a skill?
23:28
[SPEAKER_01]: And specifically, do you have a skill that you can utilize to where you have ownership in it?
23:36
[SPEAKER_01]: Not just a job, it's shoulder work, work for them, do your thing, go back home, no, no.
23:42
[SPEAKER_01]: Have you invested into a skill that pays you back within the next 12 months?
23:47
[SPEAKER_01]: For an example, right now, AI is changing the job market fast.
23:50
[SPEAKER_01]: It's not going to be AI that takes your job.
23:52
[SPEAKER_01]: It's going to be someone who knows how to work AI better than you do.
23:59
[SPEAKER_01]: And I need you to get ahead of that right now.
24:01
[SPEAKER_01]: What kind of business can you launch with new technology with AI?
24:08
[SPEAKER_01]: Invest into a skill that can position you to make a lot of money.
24:12
[SPEAKER_01]: then that money positions you to invest it to where you can buy back your time.
24:17
[SPEAKER_01]: And here's a 15.
24:18
[SPEAKER_01]: And I've really been big on this, even specifically for myself.
24:23
[SPEAKER_01]: Get around the people who will tell you to truth and love.
24:26
[SPEAKER_01]: The way I'm trying to do with you right now for this young lady.
24:30
[SPEAKER_01]: Not people who just validate everything you feel and validate all of your excuses and not people who let you watch this without you listening.
24:42
[SPEAKER_01]: are an extreme and they're going to keep you stuck.
24:46
[SPEAKER_01]: And I want to make sure that you're around people that when you tell them your goals, when you tell them, hey, I got to apply to 100 jobs today, they're going to hold you accountable to that.
24:57
[SPEAKER_01]: But then also, when you're venting about your experience and life today, they are maturing up to understand, watch this, they are maturing up to listen
25:12
[SPEAKER_01]: And oftentimes, and I believe that my generation and older royalty of that, I think, I think, I think that's a human thing.
25:21
[SPEAKER_01]: We want to listen to respond rather than ask more questions to really learn the depth of how you really feel, the depth of what's going on, and then respond with love.
25:37
[SPEAKER_01]: And that's something I've really been working on.
25:39
[SPEAKER_01]: People come to me and complain, I'm like, okay, why do you feel this way?
25:44
[SPEAKER_01]: Okay, how did it make you feel?
25:46
[SPEAKER_01]: Okay, and sometimes I've learned a response is not needed then.
25:52
[SPEAKER_01]: Sometimes I just need to be a good friend, a good mentor, a good brother, a good son, and just listen.
26:00
[SPEAKER_01]: And then sometimes what I've learned, my thought that I really, what I really want to say then,
26:06
[SPEAKER_01]: When I go back and I just listen and not listen, and go back and think about it for like a day or two, my perspective changes, and I'm so happy that I did not respond when I felt it.
26:19
[SPEAKER_01]: And here's what I want you to walk away with today.
26:23
[SPEAKER_01]: The economy is harder.
26:25
[SPEAKER_01]: That part is real.
26:26
[SPEAKER_01]: And I'm not going to go into pretend.
26:28
[SPEAKER_01]: It isn't just to make a point because heck, I'm going to do it with my own set, for my own company.
26:37
[SPEAKER_01]: I would say it's not the same as hopeless.
26:41
[SPEAKER_01]: And the moment you let this harder than it used to be turned into so nothing I do matters.
26:47
[SPEAKER_01]: That's the moment you actually lose.
26:49
[SPEAKER_01]: Regardless of what you decide or what decade you were born in.
26:55
[SPEAKER_01]: You don't need someone born in 1994 to tell you the truth about money and you don't need someone before 1994 either.
27:03
[SPEAKER_01]: You need principles that have never failed anybody who actually applied them.
27:16
[SPEAKER_01]: And I'm trying to be, I'm trying to wash my words, it'd be a good deal.
27:20
[SPEAKER_01]: I'm really trying to wash my words, it'd be a good deal.
27:25
[SPEAKER_01]: Because this is the main reason why I wrote the book.
27:36
[SPEAKER_01]: Because things are different.
27:42
[SPEAKER_01]: And I think we need a message that is more loving.
27:45
[SPEAKER_01]: We need a message that's not all motivational.
27:48
[SPEAKER_01]: We need a message that are just principal-based.
27:57
[SPEAKER_01]: We need a plan.
27:59
[SPEAKER_01]: And I think a lot of people don't have a plan.
28:04
[SPEAKER_01]: And if you want the full plan to exact five phases I'm talking about written for exactly this moment in this economy, I want to encourage you to get the book style given pay to the paycheck.
28:16
[SPEAKER_01]: The link is going to be in the description.
28:18
[SPEAKER_01]: You can go to www.amphthaleneel.com.
28:20
[SPEAKER_01]: For us to ask your book.
28:21
[SPEAKER_01]: and get this book.
28:23
[SPEAKER_01]: As a matter of fact, if you are a, if you're in a relationship, if you love someone, I would get two books and read it with the partner, read it with their spouse, read it with your accountability friend, read it with someone to a YouTube can get this together because I firmly do believe, firmly do believe.
28:45
[SPEAKER_01]: that this book is going to change lives and here's what I can guarantee you.
28:51
[SPEAKER_01]: If you get this book, you read it, highlight it, apply the phases within the next 12 to 18 months your financial situation is going to look so much better.
29:05
[SPEAKER_01]: It's going to flip up.
29:08
[SPEAKER_01]: Listen.
29:09
[SPEAKER_01]: If you made it to the end of this episode, thank you.
29:13
[SPEAKER_01]: Hit that like button because more lights and the shares that we can get, the algorithm is activated and we can activate people.
29:25
[SPEAKER_01]: and commissioning them and help them to get out of debt and to build true wealth, man.
29:32
[SPEAKER_01]: I'm really excited.
29:33
[SPEAKER_01]: These next 30 days, let me real good.
29:35
[SPEAKER_01]: You know, real, real, real, real good.
29:37
[SPEAKER_01]: I'm excited.
29:37
[SPEAKER_01]: I'll be speaking out of the best fest in Atlanta.
29:41
[SPEAKER_01]: And I want to be talking about this on stage.
29:43
[SPEAKER_01]: So if you get in Atlanta area during the best time, come see me.
29:49
[SPEAKER_01]: All right, this is a whole Anthony O'Neill.
29:51
[SPEAKER_01]: Love you.
29:51
[SPEAKER_01]: God bless you.
29:52
[SPEAKER_01]: And I'll see you in the next show.
29:53
[SPEAKER_01]: Peace out.