Latest / The Table with Anthony ONeal / I let AI Manage My Money for 30 Days - Here's What Actually Happened

Transcript

I let AI Manage My Money for 30 Days - Here's What Actually Happened · The Table with Anthony ONeal

0:00
[SPEAKER_00]: Family, I'm gonna get straight into it.
0:02
[SPEAKER_00]: 30 days ago, I handed my finances over to an AI coach.
0:08
[SPEAKER_00]: I'm gonna be honest with you.
0:09
[SPEAKER_00]: I didn't do this for content.
0:11
[SPEAKER_00]: I didn't do this because somebody paid me to, but because I genuinely wanted to know, can AI actually do what I've been telling you all it can do for myself?
0:22
[SPEAKER_00]: And what I found in the first 48 hours of handing over my finances to an AI coach,
0:30
[SPEAKER_00]: I'm going to say this, eight hundred and forty seven dollars, eight hundred and forty seven dollars every single month disappearing from Anthony O'Neill's account.
0:46
[SPEAKER_00]: This is not going to bills, it's not going to my mortgage payment, it's not going to groceries, it's not even going to meet eating out.
0:54
[SPEAKER_00]: Going to things, I had completely forgotten about.
0:57
[SPEAKER_00]: Subscriptions, I stopped using charges quietly ruining and running in the background while I was busy building a business, recording shows, back in school, being a professor at a school.
1:12
[SPEAKER_00]: And listen.
1:13
[SPEAKER_00]: Airbnb, I'm a financial educator.
1:17
[SPEAKER_00]: Not just a financial educator on YouTube, but a degree financial educator.
1:23
[SPEAKER_00]: I've been debt-free, consumer debt-free for years.
1:26
[SPEAKER_00]: I am investing consistently and watched this.
1:29
[SPEAKER_00]: I tie the faithfully and I'm steel.
1:32
[SPEAKER_00]: Anthony O'Neill, AO, steel, missing $847 a month.
1:38
[SPEAKER_00]: So can I keep it real?
1:44
[SPEAKER_00]: Imagine what AR could find in your finances.
1:52
[SPEAKER_00]: Y'all know my story.
1:55
[SPEAKER_00]: broke by 22 years old for season, very very, for very short season of my life.
2:00
[SPEAKER_00]: I was living in a back of my car.
2:02
[SPEAKER_00]: And honestly, I built my way out the heart way.
2:05
[SPEAKER_00]: No apps, no AI, just discipline, stick into a plan, and just God's grace.
2:11
[SPEAKER_00]: But here's the question I keep asking myself.
2:15
[SPEAKER_00]: What if I had this?
2:18
[SPEAKER_00]: What if I had AI at 20?
2:21
[SPEAKER_00]: What if I had an AI coach at 20?
2:25
[SPEAKER_00]: Because here's what's happening right now in America.
2:29
[SPEAKER_00]: And this is not opinion, this is actual data.
2:32
[SPEAKER_00]: You see, according to a JD power survey of about 4,000 consumers in 2025, 51% of Americans have now used an AI tool for financial advice and for financial help.
2:47
[SPEAKER_00]: So this is half of the country.
2:50
[SPEAKER_00]: and among the people who actually used it, 80% said that their financial situation improved.
2:57
[SPEAKER_00]: So they're using the tools and the resources God has put on this planet to help them be better stewards of their money.
3:04
[SPEAKER_00]: And here's the one that really got me.
3:07
[SPEAKER_00]: a credit karma survey found that three and four people said, AI let them ask money questions, watch this.
3:15
[SPEAKER_00]: They were too embarrassed to ask me Anthony O'Neill, that they were too embarrassed to ask a financial advisor, that they were too embarrassed to even ask their spouse and loved one.
3:26
[SPEAKER_00]: Why?
3:27
[SPEAKER_00]: Because AI doesn't give judgment, it doesn't give shame, and it doesn't give side-eye, and it's confidential.
3:34
[SPEAKER_00]: just honest answers and just a solid plan.
3:38
[SPEAKER_00]: That's what AI is doing for people right now.
3:40
[SPEAKER_00]: And today, I'm going to show you exactly what it did for me Anthony O'Neill, the money guy, and honestly, what it could do for you if you use it and store it wisely.
3:51
[SPEAKER_00]: I want you to drop a comment right now.
3:53
[SPEAKER_00]: And be honest with me, are you using, are you currently using any AI tools for your finances?
3:59
[SPEAKER_00]: Put yes or no one's like the comment section.
4:01
[SPEAKER_00]: If you listen to this on the podcast, hey, come over to YouTube and let me know.
4:05
[SPEAKER_00]: All right, now before I show you the results, let me show you.
4:10
[SPEAKER_00]: the honest truth of how I walked in when it came to me using AI.
4:16
[SPEAKER_00]: Because some of y'all might be thinking, now, AO, come on, bro.
4:18
[SPEAKER_00]: You already got to stuff together, right?
4:20
[SPEAKER_00]: What could AI possibly find in Anthony O'Neill's financial situation?
4:26
[SPEAKER_00]: And here's the truth, I must say this right now, that is the point.
4:30
[SPEAKER_00]: Listen, I don't care if you're a pastor, if you're a millionaire.
4:34
[SPEAKER_00]: even people who are successful in a certain category still need accountability.
4:40
[SPEAKER_00]: And honestly, that's not weakness.
4:41
[SPEAKER_00]: That's just wisdom, because I can get better with my finances and AI showed me where I could get better at.
4:47
[SPEAKER_00]: You see, going again to the last 30 days, I had an emergency fund.
4:52
[SPEAKER_00]: I had investments.
4:53
[SPEAKER_00]: I am typing and I am consumer debt free.
4:57
[SPEAKER_00]: But here's what was happening underneath the surface.
5:03
[SPEAKER_00]: Some of my spinning patterns in certain categories had honestly gotten sloppy to be honest.
5:10
[SPEAKER_00]: And nobody was watching my day to day money with the kind of precision that catches the small things, the small stuff because here's the truth about the small stuff.
5:23
[SPEAKER_00]: Small stuff is where wealth goes to die.
5:27
[SPEAKER_00]: Small stuff is where the enemy can steal your financial freedom.
5:32
[SPEAKER_00]: See, day one, I opened the end of Black App.
5:36
[SPEAKER_00]: Took the onboarding quiz and let it build my personal lives escape plan.
5:41
[SPEAKER_00]: Within 48 hours, the AI swept through my transaction histories over the last three months and flagged $847 a month.
5:50
[SPEAKER_00]: I had completely missed that Anthony O'Neill, who's on you all about budgeting, who I believe at the same time.
5:57
[SPEAKER_00]: I'm like, yo, I'm very strict with my money
6:01
[SPEAKER_00]: A.I.
6:02
[SPEAKER_00]: caught something from me.
6:05
[SPEAKER_00]: Well, what was it, Anthony?
6:06
[SPEAKER_00]: Well, honestly, it's a little embarrassing, but I got to be honest with myself.
6:11
[SPEAKER_00]: It was forgotten subscriptions.
6:13
[SPEAKER_00]: I hadn't used in months.
6:15
[SPEAKER_00]: I thought I counted them to be honest, but I didn't.
6:19
[SPEAKER_00]: Watch this.
6:20
[SPEAKER_00]: Duplicate charges I never caught.
6:23
[SPEAKER_00]: And spending category, I'm leaking that was adding up faster than what I realized.
6:31
[SPEAKER_00]: And I was like, wow, but studying and doing research, I realized, I'm not the only one struggling in this area.
6:43
[SPEAKER_00]: You see, rocket money, rocket money has helped as users cancel nearly 2.5 million subscriptions, saving them over $880 million an unwanted re-occurring charges alone.
6:55
[SPEAKER_00]: Again, that is $880 million back into the hands of the average person.
7:06
[SPEAKER_00]: What could you do with $847 million, but $847 dollars back in your pocket?
7:14
[SPEAKER_00]: I thought I was different, but honestly, I wasn't.
7:20
[SPEAKER_00]: And that $847 was just what the AI found in the first 48 hours.
7:28
[SPEAKER_00]: Wait until I show you what happened my day 30.
7:32
[SPEAKER_00]: You see, most budgeting apps just track your spending and leave you guessing what do I do today.
7:39
[SPEAKER_00]: But my new app in the black is different.
7:42
[SPEAKER_00]: This isn't just a tracker.
7:44
[SPEAKER_00]: It's your daily money coach right in your pocket every single day.
7:48
[SPEAKER_00]: You see, every single morning, you wake up and you know exactly what to do with your money today.
7:55
[SPEAKER_00]: No more confusion, no more second guessing, no more wondering what do I do, I'm literally walking with you.
8:01
[SPEAKER_00]: Step by step, every single day, 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.
8:14
[SPEAKER_00]: So you never have to wonder, what do I do today?
8:17
[SPEAKER_00]: And listen, this isn't just about numbers.
8:18
[SPEAKER_00]: You see, inside the app, you get my complete brand new estate plan course.
8:23
[SPEAKER_00]: This is my proven system to break free from debts and bill real well.
8:26
[SPEAKER_00]: And also, we just also announce a new community of like-minded individuals.
8:32
[SPEAKER_00]: And all of this is inside the app.
8:35
[SPEAKER_00]: So listen, this is a fan, listen.
8:36
[SPEAKER_00]: If you're tired of filling the stuff, if you want a money coach in your pocket, not just another app.
8:41
[SPEAKER_00]: I need you to go and download the app today.
8:43
[SPEAKER_00]: Go to AnthonyONeil.com.
8:45
[SPEAKER_00]: For slash end the black and join thousands of others who already have the app who are getting out of the red and they're getting into the black and boy they're having a great time.
8:54
[SPEAKER_00]: Head over to AnthonyONeil.com for slash end the black and I'm going to see you in the app.
9:01
[SPEAKER_00]: Listen.
9:03
[SPEAKER_00]: This is not a show I need y'all to fast forward through.
9:05
[SPEAKER_00]: This is not a show that I need you to turn on your background and just listen, I need you to be locked in.
9:13
[SPEAKER_00]: Because I want to walk you through what the daily rhythm actually looks like when you use AR.
9:20
[SPEAKER_00]: Because in the black is not a budgeting app and I need to be super clear about this.
9:27
[SPEAKER_00]: It is a daily AI Anthony O'Neill money code.
9:32
[SPEAKER_00]: It has spent the last two years studying me and what I teach.
9:38
[SPEAKER_00]: Every morning, when you wake up, a personalized check-in.
9:43
[SPEAKER_00]: Not a generic tip, a specific assignment base on your financial situation, your goals and your phase in the escape plan.
9:52
[SPEAKER_00]: Not generic, not everyone's getting it, you are going to get something specific to you and your numbers.
10:01
[SPEAKER_00]: Let me give you a typical gay of what it will look like inside the app.
10:07
[SPEAKER_00]: From the very beginning,
10:08
[SPEAKER_00]: You're going to have a morning check-in.
10:10
[SPEAKER_00]: Let's go meet about one minute.
10:11
[SPEAKER_00]: It's going to be a snapshot of where you stand today.
10:16
[SPEAKER_00]: Then you're going to do a transaction sweep.
10:17
[SPEAKER_00]: That's going to take about two minutes when you go through it.
10:19
[SPEAKER_00]: They're going to review and categorize what you spent yesterday.
10:24
[SPEAKER_00]: Then today's guide action, this is going to be about five minutes.
10:28
[SPEAKER_00]: This is a specific money move that you need to be doing today.
10:32
[SPEAKER_00]: Something around your desk, snowball payments, savings transfer, budget adjustments.
10:37
[SPEAKER_00]: So every single day when you wake up, it's going to tell you, hey, this is what you need to do today to get 1% closer to your financial goals.
10:45
[SPEAKER_00]: To get 1% closer to getting out of debt, to get 1% closer to maybe building your emergency fund or investing.
10:52
[SPEAKER_00]: It will take you five minutes to go through this action.
10:57
[SPEAKER_00]: Then, you're gonna have an evening reflection.
11:00
[SPEAKER_00]: So, gonna take you two minutes.
11:01
[SPEAKER_00]: When you get home after work, did you do what you say you were going to do?
11:07
[SPEAKER_00]: So, 10 minutes every single day, you're gonna get 1% closer to your financial goal.
11:11
[SPEAKER_00]: That's it.
11:13
[SPEAKER_00]: Now, now, now, now, now, let me be honest with you.
11:15
[SPEAKER_00]: Let me be real honest with you, and I'm not gonna lie to you.
11:18
[SPEAKER_00]: Week one felt like a lot.
11:20
[SPEAKER_00]: even for myself.
11:22
[SPEAKER_00]: Not because it was hard, but because it was honest.
11:27
[SPEAKER_00]: I designed this AI tool to not care about your feelings.
11:32
[SPEAKER_00]: It doesn't care that you had a rough week.
11:37
[SPEAKER_00]: It just shows you the data.
11:40
[SPEAKER_00]: It doesn't care you just broke up with your boyfriend or what your girlfriend is going to show you the data.
11:46
[SPEAKER_00]: And here's what I honestly didn't expect from my own AI coach.
11:51
[SPEAKER_00]: I stopped feeling stressed about money.
11:55
[SPEAKER_00]: Watch this, not because I had more of it, but because something was watching it with me, not for me, with me, that's what accountability does.
12:07
[SPEAKER_00]: And, I don't say this, I don't say this.
12:11
[SPEAKER_00]: And that's that that I mentioned, three and four people say, AI, let's them ask many questions that they'll be embarrassed to ask a human.
12:20
[SPEAKER_00]: Listen man.
12:21
[SPEAKER_00]: I felt that no judgment, no shame, just direction.
12:26
[SPEAKER_00]: I was was contemplating in between spending this and spending over here and doing this.
12:32
[SPEAKER_00]: I asked a question to the AI app.
12:35
[SPEAKER_00]: And man, the answer that it gave me had no feelings attached to it.
12:40
[SPEAKER_00]: It just responded back with data and logic.
12:48
[SPEAKER_00]: I wanna ask you this question.
12:50
[SPEAKER_00]: Today's show, I'm gonna be asking you a lot of questions.
12:51
[SPEAKER_00]: Comment below.
12:53
[SPEAKER_00]: What's the one area your finances, you feel most stressed or embarrassed about right now?
12:57
[SPEAKER_00]: Is a debt saving, spending?
12:59
[SPEAKER_00]: Drop that in the comments below.
13:01
[SPEAKER_00]: And I really wanna, I really do wanna know because as I'm building as we're launching this app and as this app is out there, I really wanna make sure that I'm continuing to educate it and stress to app even more.
13:13
[SPEAKER_00]: Because let me start here.
13:15
[SPEAKER_00]: Let me pause here.
13:19
[SPEAKER_00]: Let me give you some data, let me give you some hard data, because I don't want you to just take my word on this.
13:27
[SPEAKER_00]: I'm going to give you some data.
13:28
[SPEAKER_00]: I'm going to be being back in school right now.
13:30
[SPEAKER_00]: Boy, I got to provide so much data.
13:31
[SPEAKER_00]: So as I'm learning data, I'm giving you data.
13:34
[SPEAKER_00]: You see, the YNAP reports that the average user saves $600 in their first two months.
13:43
[SPEAKER_00]: users who stick beyond the three months, see an average of $2,500 watched is decrease in their consumer debt.
13:53
[SPEAKER_00]: Now, the bigger picture, is American households are carrying a record of $18.8 trillion in total debt.
14:02
[SPEAKER_00]: That includes $1.3 trillion in credit card debt at an average interest rate of 21.76%.
14:16
[SPEAKER_00]: At minimum payments, the average person needs over seven years to pay off their credit card balance, spending roughly over $3,600 in interest alone.
14:29
[SPEAKER_00]: Seven years, $3,600, just an interest on one card.
14:38
[SPEAKER_00]: And we all know the majority of us have more than one.
14:47
[SPEAKER_00]: Ain't done?
14:49
[SPEAKER_00]: Bright money.
14:50
[SPEAKER_00]: An AI-depth management app reports, customer see an average of 40 point credit score increase after just six months of using AI to optimize their payment strategy.
15:03
[SPEAKER_00]: An 85% of people who received AI generated financial advice acted on it.
15:13
[SPEAKER_00]: Not just read it.
15:16
[SPEAKER_00]: Now, I want to speak directly to my community, to my community, Black people.
15:25
[SPEAKER_00]: The media network for adults who write their homes is right around $10,400.
15:33
[SPEAKER_00]: The media network for adults who own their home is right around $400,000.
15:40
[SPEAKER_00]: Family.
15:42
[SPEAKER_00]: That's like 40-time difference.
15:45
[SPEAKER_00]: And one of the biggest reasons that gap exists, especially to the black community, is that we have been systemically excluded from the tools and information that wealthy people have been using for decades.
16:01
[SPEAKER_00]: and AI.
16:03
[SPEAKER_00]: Specifically, if you can get an AI educated coach, it's changing now.
16:10
[SPEAKER_00]: It doesn't care what zip code you grew up in.
16:13
[SPEAKER_00]: It doesn't care what your parents taught you about money.
16:16
[SPEAKER_00]: It doesn't even care what this, how you feel.
16:19
[SPEAKER_00]: It gives you the same coaching that use the to cost thousands of dollars a year and put it in your pocket for a fraction of the cost.
16:31
[SPEAKER_00]: Proverbs 21, verses five says that the plans of the diligent lead to prophet as surely as haste leads to poverty.
16:45
[SPEAKER_00]: You see AI coaching helps us be more diligent and that's not replacing faith that's
16:54
[SPEAKER_00]: everyone says, oh my God, I don't want to go to the doctor.
16:57
[SPEAKER_00]: I don't want medicine in my body because wait, God made that doctor and God gave that doctor wisdom and knowledge to give us medicine.
17:05
[SPEAKER_00]: I do believe we should be practicing more with natural things, right?
17:10
[SPEAKER_00]: But sometimes, God has giving us tools to help us.
17:14
[SPEAKER_00]: This family AI is not the future.
17:16
[SPEAKER_00]: It is honestly right now.
17:17
[SPEAKER_00]: If you're still trying to figure out how to get ahead, put your studs trading time for money, you're already behind.
17:24
[SPEAKER_00]: That's why I really want you to check out the AI automation bootcamp from my friends over at Carreras.
17:31
[SPEAKER_00]: you see, this isn't just another tech course.
17:35
[SPEAKER_00]: This is a step-by-step hands-on program that teaches you how to use AI to automate real business tests, no coding required.
17:44
[SPEAKER_00]: You'll learn that exact skills companies are desperate to hire for and you'll build a portfolio that gets you paid.
17:51
[SPEAKER_00]: And I'm not talking about average paid.
17:52
[SPEAKER_00]: I'm talking about like 90,000 to 140,000 dollars a year.
17:56
[SPEAKER_00]: or side income you can run from home.
17:58
[SPEAKER_00]: That is absolutely amazing.
18:00
[SPEAKER_00]: You don't have to guess what to do next.
18:02
[SPEAKER_00]: They walk you through every step of the way.
18:05
[SPEAKER_00]: Here's what I love.
18:05
[SPEAKER_00]: You get a real career coach until you land, let's say your first job or you launch that business.
18:11
[SPEAKER_00]: Listen, if you want to stop watching AI Pious you buy and start using it to build wealth,
18:17
[SPEAKER_00]: Go to amphonyonil.com for such AI automation and get started today.
18:21
[SPEAKER_00]: Again, that is amphonyonil.com for such AI automation.
18:26
[SPEAKER_00]: Please don't get left behind, family.
18:29
[SPEAKER_00]: Go check it out and I promise you, you'll thank me later.
18:33
[SPEAKER_00]: And so I want to talk directly about what I've been using this whole time.
18:40
[SPEAKER_00]: This isn't a separate sponsor segment.
18:44
[SPEAKER_00]: This honestly isn't experiment.
18:48
[SPEAKER_00]: This is something that I'm very, very passionate about.
18:52
[SPEAKER_00]: See, in the black is my app.
18:55
[SPEAKER_00]: my team and I built it.
18:57
[SPEAKER_00]: And we built it because after helping over 100,000 families break free from consumer debt, I realized people had the information and the motivation.
19:07
[SPEAKER_00]: Watch this.
19:08
[SPEAKER_00]: But they didn't have daily accountability.
19:11
[SPEAKER_00]: So you all know, for an example, Dave Ramsey's seven baby subs.
19:16
[SPEAKER_00]: You all know what Susie Normie may teach.
19:18
[SPEAKER_00]: You all know where on your leisure may teach.
19:20
[SPEAKER_00]: You all may know what I may teach.
19:23
[SPEAKER_00]: but you do not have daily accountability.
19:27
[SPEAKER_00]: People didn't have something showing up every single morning saying, hey, here's exactly what you need to do on a daily basis.
19:38
[SPEAKER_00]: And one of the reasons why I've been able to get out of consumer debt and build wealth is because while I didn't have daily accountability, I did have a weekly, multi-millionaire coach helping me build my business and helping with the strategy from our personal finances.
19:54
[SPEAKER_00]: But that also was costed me $1,000 a month.
19:58
[SPEAKER_00]: And I said the average person, whether you're black or white, can't afford that.
20:02
[SPEAKER_00]: So I built something, my team and I built
20:08
[SPEAKER_00]: and here's what's inside the app.
20:10
[SPEAKER_00]: The very first thing is finally Anthony O'Neill has his money plan.
20:16
[SPEAKER_00]: And I call it the five phase escape plan.
20:19
[SPEAKER_00]: My complete system from getting out of debt to building wealth.
20:24
[SPEAKER_00]: Built directly into the app, not a PDF you download and forget no a living roadmap that moves you from where you are today to building a seven figure portfolio at a very easy digestible way.
20:42
[SPEAKER_00]: Inside the app as well, you get a zero-based budgeting tools with AI powered insights that analyze your actual spending patterns and show you where your leaks are.
20:54
[SPEAKER_00]: It's not generalize.
20:56
[SPEAKER_00]: So it's literally going to look at your stuff and we're going to tell you what to do, but you can have your friend download the app, right?
21:03
[SPEAKER_00]: And their budget is going to look night in day because their budget is going to be different from your budget
21:12
[SPEAKER_00]: And what I really love about this app too, one of the things I really love, is the Death Snowball Tracker.
21:18
[SPEAKER_00]: I'm going to give you visual, motivating, specific stuff.
21:22
[SPEAKER_00]: You watch your Death Shrink in real time, and every time you pay something off, the app celebrates with you because wins do matter.
21:33
[SPEAKER_00]: Also on the side of the app, you're going to get a savings and investment tracker.
21:38
[SPEAKER_00]: So you're building toward something, right?
21:40
[SPEAKER_00]: Emergency fun, down payment on the home, retirement, maybe your kids' college fund, maybe, you know, a car, you can be able to track it and have it really show you, okay, you get it, close your go.
21:51
[SPEAKER_00]: You can close your go or watch this if you're spending more and say, it's gonna tell you, hey, you're spending more so you're honestly decreasing your goals.
22:01
[SPEAKER_00]: Now, here is my favorite future in the app.
22:04
[SPEAKER_00]: your financial freedom confidence score.
22:07
[SPEAKER_00]: See, every single day when you check in, every assignment you complete, your score is gonna go up.
22:13
[SPEAKER_00]: Every goal that you hit, your score is gonna go up.
22:15
[SPEAKER_00]: Every debt that you pay off, your score is gonna go up.
22:18
[SPEAKER_00]: A real time measurement of your financial health and your mental relationship with money.
22:25
[SPEAKER_00]: Now, you guys know me, this is a biblical situation and a biblical person, and I teach one biblical perspective.
22:31
[SPEAKER_00]: So every single day, you need a daily encouragement from the Bible, because this journey is spiritual, it is not just financial.
22:40
[SPEAKER_00]: And here's what makes it different from every other app.
22:45
[SPEAKER_00]: Every single day is 100% personalized to you.
22:54
[SPEAKER_00]: every single day is 100% personalized to you, not to the average user to you, your debts, your income, your goals, your face.
23:09
[SPEAKER_00]: You get Anthony O'Neill coaching you daily.
23:12
[SPEAKER_00]: You can ask me questions and I'll never know it.
23:15
[SPEAKER_00]: You ask me those questions.
23:18
[SPEAKER_00]: All you have to do is to be up on the screen, go to anthoneo.com 4-app right now.
23:25
[SPEAKER_00]: You're going to take a two-minute quiz and I need you to be honest with the quiz.
23:30
[SPEAKER_00]: My team and I, we don't see these, okay?
23:33
[SPEAKER_00]: We don't see your answers, so you don't have to be embarrassed.
23:36
[SPEAKER_00]: We don't share it.
23:37
[SPEAKER_00]: It is completely confidential.
23:40
[SPEAKER_00]: What's your honest with the quiz?
23:42
[SPEAKER_00]: Because here's the truth.
23:49
[SPEAKER_00]: But once you've honestly answered these questions, you're gonna get a personalized plan, that's it.
23:56
[SPEAKER_00]: And I just need you to get the app 90 days.
23:59
[SPEAKER_00]: 90 days.
24:05
[SPEAKER_00]: Now here's where it got interesting for me.
24:08
[SPEAKER_00]: Week one was about awareness.
24:11
[SPEAKER_00]: Week two and three were about momentum.
24:14
[SPEAKER_00]: Now what you're going to learn inside the app is that the Death Snowball Tracker will show you the exact payoff sequence.
24:21
[SPEAKER_00]: So I keep, I'm very detailed with what I say, right?
24:25
[SPEAKER_00]: So I keep saying that I am consumer debt free.
24:28
[SPEAKER_00]: I still have debt in a form of assets in the form of mortgage.
24:34
[SPEAKER_00]: So I put that inside my that snowball tracker.
24:37
[SPEAKER_00]: And it calculated how much faster this debt could disappear when I redirect money that I was previously wasting.
24:45
[SPEAKER_00]: So it showed me, watch this, where if I take that $847 and I just apply that to my mortgages,
24:57
[SPEAKER_00]: It showed me a projected, not a consumer, a projected, completely debt-free date.
25:06
[SPEAKER_00]: Not a vague, a few years from now.
25:09
[SPEAKER_00]: No, it gave me a specific date on screen that if I just take the $847 that I was already missing, that I was already really wasn't using, I was wasting it.
25:20
[SPEAKER_00]: If I take that and watch this be intentional with an 847 and put it towards my mortgage,
25:28
[SPEAKER_00]: And it kind of be honest with you all as the money guy.
25:31
[SPEAKER_00]: When I saw the date, I got a little emotional.
25:35
[SPEAKER_00]: I got a little emotional because that's what a plan does.
25:40
[SPEAKER_00]: It turns a dream into a deadline.
25:45
[SPEAKER_00]: And honestly, I thought about that 83 year old woman that I met at McDonald's at midnight working to drive through, hands for shaking, and she told me,
25:57
[SPEAKER_00]: Anthony, I didn't make the right decisions at your age at 42.
26:02
[SPEAKER_00]: That's that beautiful woman should be home in her bed resting surrounded by her grandchildren.
26:15
[SPEAKER_00]: But the truth of the fact is she didn't have a plan and nobody gave her one and no one was
26:28
[SPEAKER_00]: Not, not, not for people who already have a figure out, for people who are one decision away from changing everything and just need someone to show them.
26:41
[SPEAKER_00]: What is the right decision I need to make today, not tomorrow, not next month, but
26:58
[SPEAKER_00]: found that if consumers widely adopt AI to optimize their finances, moving money to a higher yield or a high yield account, finding better rates, optimizing debt payments, banks could
27:19
[SPEAKER_00]: $170 billion.
27:23
[SPEAKER_00]: That's money that currently flows from your pocket into the bank's pocket.
27:30
[SPEAKER_00]: And AI will give it back to us.
27:37
[SPEAKER_00]: What's the biggest financial goal you want to accomplish in the next 12 months?
27:44
[SPEAKER_00]: I want you to think about that.
27:47
[SPEAKER_00]: And you all know me, I'm a spiritual person.
27:50
[SPEAKER_00]: I want you to think about it, I want you to drop it inside the comments.
27:54
[SPEAKER_00]: And I'm going to be pranked over these over the next 30 days.
28:01
[SPEAKER_00]: Because,
28:03
[SPEAKER_00]: I want to activate God spiritually, but if you will partner with me and download the app by going to Anthonyoneau.com for such app, I'm going to hold you accountable to your financial goals for the next 12 months, while also praying for that.
28:21
[SPEAKER_00]: Now, let's take this a layer deeper.
28:26
[SPEAKER_00]: You see, most budgeting conversations stop that debt, but the goal was never to just get debt free.
28:32
[SPEAKER_00]: I could say this, getting debt free is not the end RBI.
28:38
[SPEAKER_00]: The goal for me is always financial freedom and financial freedom requires investing.
28:45
[SPEAKER_00]: I was in my class yesterday and at the end of the class, what my students asked my students a question,
28:51
[SPEAKER_00]: So what does finance or freedom mean to you?
28:55
[SPEAKER_00]: I'll say about 75% of the room said, man, I want to be able to afford my bills without stress.
29:07
[SPEAKER_00]: And I looked at them at the end and I said, hey, I'm Mercedes, I'm going to respectfully say this, do not get upset with me.
29:12
[SPEAKER_00]: I said, but that's not financial freedom.
29:15
[SPEAKER_00]: That is surviving.
29:24
[SPEAKER_00]: You can work and not have to work.
29:28
[SPEAKER_00]: You can go somewhere and not worry about paying your bills when you get back.
29:35
[SPEAKER_00]: Financial Freedom is you can teach at an HBCU for free.
29:41
[SPEAKER_00]: because you generated good stewardship with your finances that pays you while you're teaching.
29:50
[SPEAKER_00]: A Stanford Graduate School of Business Study Research released a study in 2025, and it found that AI analysis using only public
30:04
[SPEAKER_00]: available information, right?
30:07
[SPEAKER_00]: Outperform 93% of mutual fund managers over a 30-year simulation.
30:12
[SPEAKER_00]: 93%.
30:16
[SPEAKER_00]: I'm not saying replace your financial advisor because I would never replace my financial advisor with a chatbot or with AI.
30:23
[SPEAKER_00]: But I am saying the tools available to everyday people right now are more powerful than anything that existed by 10-15 years ago.
30:34
[SPEAKER_00]: And here's the math that changes everything.
30:38
[SPEAKER_00]: If you invest $300 a month starting up the age of 25, let's just say, at 8% average return, you'll have approximately $1 million by the age of 65.
30:51
[SPEAKER_00]: Now watch this.
30:52
[SPEAKER_00]: If you just wait, if you just wait for 10 years.
30:58
[SPEAKER_00]: At the age of 35, you're only going to have about $400,000.
31:03
[SPEAKER_00]: the 10-year delay, the 10-year delay cost you over a half a million plus dollars.
31:13
[SPEAKER_00]: Not because you made a bad decision, just because you waited.
31:17
[SPEAKER_00]: The best time to start wasn't today, it was yesterday.
31:24
[SPEAKER_00]: The second best time to start is today.
31:28
[SPEAKER_00]: In the black, the app walks you toward investing, not just out of debt, but it shows you when you're ready to start is going to track your progress towards the 12 to 15% investment target and keeps you moving forward.
31:48
[SPEAKER_00]: a budgeting app you just type in, look at your budget, because I'm gonna just spend it and get out.
31:53
[SPEAKER_00]: No, this app is designed to help you get you to net worth setting figures.
32:01
[SPEAKER_00]: So I really wanna talk about the result before we end the show.
32:05
[SPEAKER_00]: Let's talk about my tests of the last 30 days.
32:12
[SPEAKER_00]: Now, I'm gonna be real with you.
32:14
[SPEAKER_00]: All right, I'm not gonna stand in front of you and pretend I walked into this experiment financially broken because I didn't.
32:20
[SPEAKER_00]: I don't wanna mislead you, all right?
32:22
[SPEAKER_00]: I've been consume a debt for you, I'll know that.
32:24
[SPEAKER_00]: I invest consistently and my budget has been dialed in for years for the most part.
32:29
[SPEAKER_00]: But here's what the apps still find are found with Anthony O'Neill.
32:33
[SPEAKER_00]: $847 a month, I was losing without even realizing it.
32:38
[SPEAKER_00]: And here's what I've, here's what it gave me that I didn't have before, a tighter zero-base budget, a specific debt-free projection date for my mortgages, a clearer picture of every dollar of where every dollar was going, and a freedom confidence score that was climbing every single day I showed
33:03
[SPEAKER_00]: That's what 30 days, 30 days of daily Anthony O'Neill AI coaching does, even for someone who already has a plan.
33:14
[SPEAKER_00]: Already has a plan.
33:16
[SPEAKER_00]: I even told the app, I said, hey, I want to get a little more aggressive, because I will love to pay off my house within the next two years, because I'm building homes in Ghana.
33:24
[SPEAKER_00]: So I would love to have this paid off while I'm building in Ghana, so when I'm in Ghana and working in Ghana, I don't have to worry about mortgage payments here in the States.
33:32
[SPEAKER_00]: Can you show me how I can actually do this?
33:36
[SPEAKER_00]: and within a matter of 20 minutes, the AI gave me a strategy that I didn't have to sit down with my financial advisor, I didn't have to go pay a financial advisor, I didn't have to sit there and do it myself over days and weeks within 20 minutes, it gave me a strategy that I was able to review and yeah, it's gonna stretch Anthony O'Neill.
33:57
[SPEAKER_00]: It is going to stretch, y'all, boy.
34:02
[SPEAKER_00]: but that's what I want, and that's the power of AI.
34:05
[SPEAKER_00]: Now imagine what it does for someone who's starting from scratch.
34:10
[SPEAKER_00]: Imagine what it does for someone who's carrying $20,000 in credit card debt, who has never had a budget in their life.
34:17
[SPEAKER_00]: Imagine what it does for the single mom who's been living paycheck to paycheck because their children's father won't step the heck up.
34:27
[SPEAKER_00]: Imagine the piece of money and strategy and the freedom it will give.
34:33
[SPEAKER_00]: That's who this app is built for.
34:37
[SPEAKER_00]: And here's a data to back it up.
34:39
[SPEAKER_00]: 80% of people who use AI for their finances set their situation improved.
34:45
[SPEAKER_00]: I'll tell you how this before, why now, abusers save on average $600 in their first two months.
34:51
[SPEAKER_00]: Bright money users see 40 points of go up on their credit score.
34:56
[SPEAKER_00]: These aren't promises, these are real results from real human beings.
35:03
[SPEAKER_00]: And these same results are available to you, starting to gain.
35:10
[SPEAKER_00]: Listen, that $847 that I found, every dollar honestly got redirected.
35:18
[SPEAKER_00]: I accelerated some inside of my investments, but the majority of it went directly to my mortgage.
35:27
[SPEAKER_00]: because I want to pay it off.
35:29
[SPEAKER_00]: $847 a month?
35:30
[SPEAKER_00]: Y'all, that's $10,164 a year.
35:36
[SPEAKER_00]: Just sitting there waiting to be found.
35:41
[SPEAKER_00]: I want you to go find yours.
35:43
[SPEAKER_00]: So, here is my telling to you, not tomorrow, but specifically right now.
35:48
[SPEAKER_00]: Go to anthonyonil.com for slash app.
35:51
[SPEAKER_00]: Take the too many quiz, fam.
35:53
[SPEAKER_00]: Let my AI show you what it finds in your finances, because I promise you, there is something in there you have not seen yet.
36:03
[SPEAKER_00]: Maybe it's 847 dollars like me, maybe it's more.
36:07
[SPEAKER_00]: Maybe it is less, but it's there.
36:11
[SPEAKER_00]: was there a strategy to get you to your goals.
36:15
[SPEAKER_00]: And once you see it, you cannot unsee it.
36:18
[SPEAKER_00]: And once you can't unsee it, you can do something about it.
36:23
[SPEAKER_00]: That's how financial freedom starts.
36:26
[SPEAKER_00]: Not with the big dramatic moment, not with a windfall, it starts with clarity, it starts with a plan, it starts with showing up every single day and doing the next right thing with your money.
36:42
[SPEAKER_00]: In the black, gives you the plan, the AI gives you the clarity and God gives us to strength to follow through.
36:52
[SPEAKER_00]: And I'm gonna end today's show with this scripture.
36:57
[SPEAKER_00]: I would say, John, chapter one, verse two, says, beloved, I pray that you may prosper in all things and be in health just as your soul prospers, God wants you free.
37:12
[SPEAKER_00]: He does not, all these Christians who believe pastors should be struggling, pastors should be, you know, not drive a nice things and that Christians should not be desiring more money, no.
37:24
[SPEAKER_00]: God wants you to have freedom.
37:25
[SPEAKER_00]: He wants your family to have financial freedom.
37:27
[SPEAKER_00]: He wants your children's children to inherit something other than debt.
37:31
[SPEAKER_00]: Isn't that confusing?
37:32
[SPEAKER_00]: That people leave that Christianist struggle, but the Bible says, leaving inheritance to your children's children.
37:37
[SPEAKER_00]: So if I'm struggling, what inheritance am I living, leaving my children?
37:43
[SPEAKER_00]: This is one tool that can help make that happen.
37:50
[SPEAKER_00]: This is a tool that will help you leave an inheritance to your children's children.
37:54
[SPEAKER_00]: Just go to anthonyoneo.com for us to ask you to take the quiz, get your plan.
37:59
[SPEAKER_00]: Then come back here and tell me what you found.
38:01
[SPEAKER_00]: Actually, as a matter of fact, if you download the app, after 30 days email me at anthonyadantonyoneo.com.
38:09
[SPEAKER_00]: And let me know what you like about the app.
38:11
[SPEAKER_00]: I want to hear it.
38:12
[SPEAKER_00]: I want to see how God and AI come together
38:21
[SPEAKER_00]: God bless you.
38:22
[SPEAKER_00]: Thank you for watching today's show.
38:26
[SPEAKER_00]: Snowmenware excuses, y'all.
38:28
[SPEAKER_00]: We can't blame the system no more, we can't blame the White House.
38:32
[SPEAKER_00]: We have access to the right tools.
38:36
[SPEAKER_00]: Go check it out.
38:37
[SPEAKER_00]: Go to Anthonyonir.com.4-sash app, all the information being started today's show description.
38:42
[SPEAKER_00]: I'll see you in the next show.
38:44
[SPEAKER_00]: Peace out.