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3 Money Habits Keeping Christians Broke (The Church Won't Tell You This!) · The Table with Anthony ONeal

0:00
[SPEAKER_00]: Family, I want to start off today's show with the question, and I want you to be honest, don't put this in the comment section.
0:06
[SPEAKER_00]: I want you to think about this and answer it yourself.
0:11
[SPEAKER_00]: How many of you all are tiding faithfully?
0:14
[SPEAKER_00]: You get up every single day and you're praying over your money, you're praying over your life, and believing God for a financial breakthrough.
0:21
[SPEAKER_00]: but at the end of it all, you're still living in paycheck to paycheck.
0:25
[SPEAKER_00]: You're doing everything the church told you to do.
0:27
[SPEAKER_00]: You're sewing season.
0:29
[SPEAKER_00]: When the prophethood of the pastor says, hey, I feel God is calling to sow your last.
0:33
[SPEAKER_00]: You're some of you sewing your last.
0:35
[SPEAKER_00]: You're giving offerings.
0:37
[SPEAKER_00]: You're speaking scriptures over your bank account.
0:40
[SPEAKER_00]: But at the end of the month, I want to get close, because I really want to talk about it today.
0:45
[SPEAKER_00]: You're still stressed.
0:46
[SPEAKER_00]: You're still living paycheck to paycheck.
0:49
[SPEAKER_00]: You're still one emergency away from a financial disaster.
0:54
[SPEAKER_00]: You see, here's what nobody wants to say out loud.
0:58
[SPEAKER_00]: Being broke isn't always a spiritual problem.
1:01
[SPEAKER_00]: Sometimes it is a stewardship problem.
1:05
[SPEAKER_00]: Today I'm going to be exposing three money sins that are keeping Christians living paycheck to paycheck.
1:12
[SPEAKER_00]: Now I'm not talking about this as a heaven or a hell situation.
1:15
[SPEAKER_00]: I'm just talking about some bad teachings that we've been taught inside of the church.
1:21
[SPEAKER_00]: we've we've we've normalized some of this stuff in our community.
1:25
[SPEAKER_00]: These are quietly stealing our financial future.
1:29
[SPEAKER_00]: But I'm not just going to call this stuff out today.
1:32
[SPEAKER_00]: I'm going to show you exactly how to break free of this stuff, especially in a year of 2026.
1:38
[SPEAKER_00]: So if you're serious about building wealth, I want you to lock in, especially if you're serious about building wealth
1:46
[SPEAKER_00]: All right.
1:46
[SPEAKER_00]: So I want to get work.
1:48
[SPEAKER_00]: I really do.
1:48
[SPEAKER_00]: But before we dive into these three money cents, I need you to hear me on this.
1:54
[SPEAKER_00]: All right.
1:56
[SPEAKER_00]: And I say this and I'm not going to catch heat for but it is what it is.
1:59
[SPEAKER_00]: This is how I believe.
2:00
[SPEAKER_00]: I believe God wants you wealthy.
2:03
[SPEAKER_00]: I'm not just talking about your crazy rich wealth is about just having freedom and options.
2:11
[SPEAKER_00]: I don't want you just
2:13
[SPEAKER_00]: and just being comfortable.
2:15
[SPEAKER_00]: Not an unknown.
2:16
[SPEAKER_00]: I believe God truly wants you wealthy.
2:20
[SPEAKER_00]: You see, due to Ronomy, chapter eight verse 18 says, but remember the Lord God, for it is He who gives you the ability to produce wealth.
2:30
[SPEAKER_00]: God gives you an odd, the ability.
2:33
[SPEAKER_00]: That means wealth is part of his plan for your life, but here it's a truth.
2:39
[SPEAKER_00]: Here's a truth.
2:40
[SPEAKER_00]: wealth for you might look different for wealth for me.
2:43
[SPEAKER_00]: Well, for me may look different from wealth for somebody else.
2:48
[SPEAKER_00]: God gives us the ability for wealth, right?
2:50
[SPEAKER_00]: So your map in your direction is in God's hands.
2:54
[SPEAKER_00]: But here here, here, here, here, me clearly.
2:56
[SPEAKER_00]: Here's the problem.
2:58
[SPEAKER_00]: We've been taught that if you love God, money is evil, that being broke is somehow more spiritual than having wealth.
3:07
[SPEAKER_00]: That shrugly financially brings you closer to God.
3:14
[SPEAKER_00]: That's a lie straight from the pit of hell.
3:18
[SPEAKER_00]: Poverty is not virtue.
3:19
[SPEAKER_00]: Poverty is a curse we've been taught to accept.
3:24
[SPEAKER_00]: And the enemy has used these three money sins to keep entire generations of believers trapped.
3:30
[SPEAKER_00]: and financial bondage.
3:32
[SPEAKER_00]: Because he knows if we're living page at the page that we're not tiling, and if we're not tiling, we're not helping a local church build and impact the community and build the kingdom and get people into heaven.
3:44
[SPEAKER_00]: So he wants to keep us broke.
3:48
[SPEAKER_00]: So I want to break down what's really going on.
3:51
[SPEAKER_00]: I want to break down three things that I had to unlearn, specifically, from unfortunately what I learned inside of the church.
3:58
[SPEAKER_00]: Now, this is not the church that I'm at right now.
4:00
[SPEAKER_00]: This is not union church.
4:01
[SPEAKER_00]: This is not my pastor, pastor Stephen and pastor's art.
4:04
[SPEAKER_00]: I'm talking about the upbringing.
4:07
[SPEAKER_00]: Here's, here's money saying number one, confusing faith with foolishness.
4:15
[SPEAKER_00]: I mean, let me say this one more time.
4:17
[SPEAKER_00]: Money's number one is confusing faith with foolishness.
4:22
[SPEAKER_00]: Uh, let me, let me, let me, let me, let me tell you a story.
4:25
[SPEAKER_00]: I was talking to a good brother, a good brother at a church.
4:29
[SPEAKER_00]: a few months ago.
4:31
[SPEAKER_00]: And this is what sparked today's conversation.
4:35
[SPEAKER_00]: Solid do when I say he genuinely loves the Lord, I mean the man genuinely loves the Lord.
4:41
[SPEAKER_00]: And he is a faithful member at his church.
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[SPEAKER_00]: He said, A.O.
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[SPEAKER_00]: I am believing God for a financial breakthrough.
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[SPEAKER_00]: I'm standing in his promises.
4:53
[SPEAKER_00]: I say, yo bro, that's great.
4:55
[SPEAKER_00]: What is your plan?
4:56
[SPEAKER_00]: What is your strategy?
4:57
[SPEAKER_00]: He looked at me confused, and he said, my plan, man, my plan is in God's hands.
5:02
[SPEAKER_00]: I'm praying, I'm fasting.
5:04
[SPEAKER_00]: I'm so in season to my pastor, because I believe God is going to do it.
5:10
[SPEAKER_00]: I said, okay, but do you have a budget?
5:13
[SPEAKER_00]: He said, nah, do you have an emergency for it?
5:19
[SPEAKER_00]: Are you investing anything?
5:20
[SPEAKER_00]: Are you a homeowner?
5:21
[SPEAKER_00]: Do you have a business?
5:22
[SPEAKER_00]: Nah bro, literally, I'm trusting and believing God.
5:29
[SPEAKER_00]: And that's when I really had to pray in this guy for wisdom and direction on what to say next.
5:39
[SPEAKER_00]: Because I had to tell him the truth.
5:41
[SPEAKER_00]: And I told him I said, bro, that's not faith.
5:45
[SPEAKER_00]: That's foolishness.
5:46
[SPEAKER_00]: You see, we've been taught that if you plan, that if you budget, if you save, if you invest, that somehow means that you don't have faith in God.
5:57
[SPEAKER_00]: But to me, that is completely backwards, because over in Proverbs 21 verse 5, it says, what, the plans of the diligent, lead to profit as surely as haste, leads to poverty.
6:10
[SPEAKER_00]: You see, God expects us to have a plan, family.
6:14
[SPEAKER_00]: He expects you to be diligent.
6:16
[SPEAKER_00]: He expects you to be a good steward and you can't steward something well if you don't have a plan for what you're stewarding.
6:27
[SPEAKER_00]: You can't just pray.
6:29
[SPEAKER_00]: You're ready out of bad financial decisions.
6:32
[SPEAKER_00]: You can't just hide your way out of overspending.
6:36
[SPEAKER_00]: You can't just claim scriptures and speak and speak and tongues.
6:39
[SPEAKER_00]: I saw them and expect something to turn around.
6:43
[SPEAKER_00]: No, that is poor stewardship.
6:47
[SPEAKER_00]: Faith without works is dead.
6:50
[SPEAKER_00]: That's over in James, how to toothbrush 26.
6:53
[SPEAKER_00]: So what you have to do is you have to make a plan.
6:58
[SPEAKER_00]: You see, faith plus no budget, that equals broke.
7:03
[SPEAKER_00]: Faith plus no savings, that equals broke.
7:07
[SPEAKER_00]: Faith with no plan, what is that equal?
7:11
[SPEAKER_00]: broke.
7:12
[SPEAKER_00]: Come on now, you already know it.
7:14
[SPEAKER_00]: But, but here's the thing.
7:16
[SPEAKER_00]: Faith with a budget.
7:18
[SPEAKER_00]: Hi, this equals breakthrough.
7:20
[SPEAKER_00]: Now faith with savings equals financial security.
7:24
[SPEAKER_00]: Faith with a plan equals generational wealth aka legacy.
7:31
[SPEAKER_00]: Here's what breaking free honestly looks like.
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[SPEAKER_00]: I'm going to give you some action steps because I don't want to just present a problem and not give you something practical that will help you.
7:41
[SPEAKER_00]: You see, actually set number one, as you got to create a written budget.
7:45
[SPEAKER_00]: This is over in Proverbs, Chapter 27, verse 23.
7:48
[SPEAKER_00]: Be sure you know the condition of your flux.
7:51
[SPEAKER_00]: Give careful attention to your hands and modern terms and 2026 language.
7:58
[SPEAKER_00]: Know where your money is going and track it every single day.
8:02
[SPEAKER_00]: I don't care if you make $30,000 or $300,000.
8:06
[SPEAKER_00]: If you don't have a written budget, if you don't have a system and a strategy, you're operating in foolishness, not in faith.
8:16
[SPEAKER_00]: Here's what I wanted to do.
8:18
[SPEAKER_00]: Just recently, my team and I, we released our app.
8:21
[SPEAKER_00]: It is called in the black.
8:22
[SPEAKER_00]: It is the number one budgeting slash coach in your pocket every single day telling you what to do with your money,
8:32
[SPEAKER_00]: That you spend, you wake up every single day and we tell you how much money you spent yesterday And we tell you are you on track to hit your budget.
8:41
[SPEAKER_00]: Are you on track to hit your savings goal?
8:43
[SPEAKER_00]: Are you on track to hit your investment goal is the number one app in the world, all right?
8:50
[SPEAKER_00]: Are you just going to Anthony or Neil dot com for slash in the black again that is Anthony or Neil dot com for slash in the back black We're going to put it inside the comments section and this is the app
9:02
[SPEAKER_00]: that is going to really help you get to the next day, not to the next day to the next level.
9:07
[SPEAKER_00]: It's just 15 minutes a day and our promise you, you're going to be living well.
9:12
[SPEAKER_00]: Stop saying I'm trusting God when you won't even track what you spending.
9:16
[SPEAKER_00]: That's not trust.
9:17
[SPEAKER_00]: that is air responsibility.
9:19
[SPEAKER_00]: Here's extra stuff number two.
9:20
[SPEAKER_00]: You got to build your emergency fund.
9:22
[SPEAKER_00]: The Bible talks about storing up the future.
9:25
[SPEAKER_00]: Joseph stored gain, grain.
9:28
[SPEAKER_00]: I'm sorry, grains for seven years before the famine hit.
9:32
[SPEAKER_00]: You need at least three to six months of your net pay saved.
9:36
[SPEAKER_00]: And honestly, in 2026, looking at the market now,
9:41
[SPEAKER_00]: I made me stop saying three to six, and I made me say, honestly, you need to set aside six months.
9:46
[SPEAKER_00]: I personally have a year saved, and watched this.
9:49
[SPEAKER_00]: I'm so strategic with that, to let's say something happens with my business.
9:54
[SPEAKER_00]: I'm not touching my personal funds.
9:56
[SPEAKER_00]: I would rather shut down the business so that way Anthony O'Neill and my family could live.
10:01
[SPEAKER_00]: But AO, I don't have any extra money saved.
10:05
[SPEAKER_00]: Then here's the truth.
10:06
[SPEAKER_00]: You need to increase your income and decrease your expenses.
10:09
[SPEAKER_00]: We'll talk about that over in money sin number three.
10:13
[SPEAKER_00]: But here's the truth.
10:14
[SPEAKER_00]: If you can't save at least one month of your net pay for an emergency, you're not broke.
10:19
[SPEAKER_00]: You're just making some bad financial choices.
10:21
[SPEAKER_00]: I'm gonna say that one more time.
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[SPEAKER_00]: When I hear people tell me, I can't put away $1,000.
10:25
[SPEAKER_00]: I can't put away one month.
10:26
[SPEAKER_00]: All right, cool, great.
10:27
[SPEAKER_00]: Give me your three months of your bank statement, right?
10:34
[SPEAKER_00]: The truth, I'm telling you what you really love more than you love yourself.
10:42
[SPEAKER_00]: What happens to your family if something happened to you?
10:47
[SPEAKER_00]: I'm gonna ask out again, what happens to your family when something happens to you?
10:51
[SPEAKER_00]: You see, life insurance feels scary, feels complicated, and even expensive.
10:56
[SPEAKER_00]: But here's the thing, it doesn't have to be anymore.
11:01
[SPEAKER_00]: Most of us are walking around with no life insurance policy, but we have a name brand item.
11:08
[SPEAKER_00]: Thinking, I'm young, I'm healthy, I got time.
11:12
[SPEAKER_00]: And I want to be honest with you, I'm so sorry.
11:14
[SPEAKER_00]: That's not fate, that is pure foolishness.
11:18
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11:21
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11:25
[SPEAKER_00]: No medical exams, no waiting weeks for approval.
11:28
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11:34
[SPEAKER_00]: We're talking coverage from $100,000 up to $2 million with absolutely no blood work for way less than what you actually think.
11:48
[SPEAKER_00]: Look, I healthy 30-year-old can get a $500,000 policy for about $25,000.
11:54
[SPEAKER_00]: That's less than your Netflix-inspiredify combined.
11:58
[SPEAKER_00]: Listen, your family deserves to be protected.
12:03
[SPEAKER_00]: Don't leave them struggling in pay bills, and funeral costs, because you kept putting this off while you're in heaven, smiling.
12:12
[SPEAKER_00]: your family's out your stress because of your poor decisions.
12:15
[SPEAKER_00]: Let's not play in games with your family's future.
12:18
[SPEAKER_00]: Get your free quote today in 10 minutes by going to Anthonyonio.com for Sashitaus.
12:24
[SPEAKER_00]: Again, go to Anthonyonio.com for Sashitaus.
12:30
[SPEAKER_00]: And our promise you will fill way better and sleep better at night.
12:36
[SPEAKER_00]: Alright, let's get back to today's show.
12:39
[SPEAKER_00]: I look at this myself, I look at my bank statements and I see, okay, way, way, way Anthony, you spend a little bit too much money over there, bro.
12:48
[SPEAKER_00]: You got to fix this over here, bro.
12:49
[SPEAKER_00]: You can't say you want to build legacy.
12:51
[SPEAKER_00]: You can't say that you want to buy a home in Africa and take your kids to Africa and let them experience the motherland, but then yet you're over here spending money on this.
13:00
[SPEAKER_00]: I know that sounds harsh, but somebody needs to tell you the truth.
13:05
[SPEAKER_00]: You can save $1,000.
13:08
[SPEAKER_00]: You can save one month of your net pay.
13:11
[SPEAKER_00]: You can do that.
13:12
[SPEAKER_00]: You see inside the end of Black App, we're gonna show you.
13:15
[SPEAKER_00]: how to find $1,000 in 21 days, simply by looking at your account.
13:24
[SPEAKER_00]: Go to anthonyofort, anthonyo.com, forward slash in the black.
13:29
[SPEAKER_00]: All right, now let's get over to money sin number two.
13:33
[SPEAKER_00]: This is something that I have to remind myself every single day, every single day.
13:44
[SPEAKER_00]: Living above your means to look blessed, oh, oh, I'm letting that sit right there for a little bit, I'm letting that sit right there for a little bit, I'm be honest with you, money for me is not a problem, right, it's not a problem, but every single day, I got to remind myself, hey bro, do not do not live above your means to look like you got something.
14:15
[SPEAKER_00]: This one right here is destroying us.
14:19
[SPEAKER_00]: This one right here is killing us.
14:22
[SPEAKER_00]: I saw John Hope Bryant made a quote on something and before I quoted it, I went to look up the actual research.
14:30
[SPEAKER_00]: I'll let me pull up the study that it went on because I want to be honest and make sure that I'm not misquoted myself, but the bane and company did a research and found that 76% of all luxury items are purchased by middle class
14:50
[SPEAKER_00]: I'm saying it one more time, 76% of luxury items are purchased by individuals who make middle class income down to struggling because we want to look like we are extremely blessed.
15:06
[SPEAKER_00]: We've created a culture in a church where looking blessed is more important than actually being blessed.
15:12
[SPEAKER_00]: Having financial freedom is not as important than looking like I got money.
15:20
[SPEAKER_00]: Come on now, we got the designer bags.
15:23
[SPEAKER_00]: We got the luxury cars with 800 to 1,000 all the car payments.
15:27
[SPEAKER_00]: We're going to an expensive vacations, posting it all just for Instagram.
15:31
[SPEAKER_00]: I saw another study and I don't know.
15:34
[SPEAKER_00]: I can't remember where I saw this, so don't really take it seriously because I just believe if I'm going to quote a study, I need to quote where I learned it from, but I forgot.
15:43
[SPEAKER_00]: But this study said,
15:45
[SPEAKER_00]: that 52% of vacations are not because they want to go there is because they want to take pictures showing that they were there.
15:53
[SPEAKER_00]: Oh my goodness.
15:57
[SPEAKER_00]: So I'm going on the vacation just to post on Instagram like I'm blessed.
16:03
[SPEAKER_00]: And then this is this is what this will get me sometimes.
16:07
[SPEAKER_00]: The caption will be on the card that you can't afford, God did it.
16:12
[SPEAKER_00]: The capsule would be on a house.
16:14
[SPEAKER_00]: I don't know how I got this house, but God did it.
16:20
[SPEAKER_00]: We're so obsessed with looking wealthy, what we're so obsessed with looking like we're blessed, that we're going broke, trying to prove we are blessed.
16:31
[SPEAKER_00]: Let me tell you something, man.
16:34
[SPEAKER_00]: If you have to finance it, you can afford it.
16:39
[SPEAKER_00]: I'm going to say something that's going to, it might get me in trouble.
16:43
[SPEAKER_00]: If you got to pray for a home, you can't afford the home.
16:56
[SPEAKER_00]: If you live in paycheck to paycheck, and if you're credit score of the 500, and you've
17:09
[SPEAKER_00]: I have never in this season of life.
17:12
[SPEAKER_00]: If I got to ask God for something, I can't afford it.
17:16
[SPEAKER_00]: My prayer is that God give me more income so I could buy due places.
17:21
[SPEAKER_00]: So I could buy apartment complexes.
17:23
[SPEAKER_00]: I ain't praying to ask God for roof over my head because he's already giving me the financial means to do it.
17:28
[SPEAKER_00]: My responsibility is to live within my means.
17:32
[SPEAKER_00]: I don't care if you got a good deal.
17:34
[SPEAKER_00]: I don't care if quote unquote, you believe God opened the door.
17:38
[SPEAKER_00]: If you're going into debt to look blessed, you're not blessed, you're in bondage.
17:44
[SPEAKER_00]: Proverbs 22 verse 7, it says, I'm the rich rule over the poor and the barber is slave to the lender.
17:51
[SPEAKER_00]: Every time you swipe that credit card for something that you can't afford to pay it back, you're choosing slavery over freedom.
17:59
[SPEAKER_00]: You're choosing points over freedom.
18:01
[SPEAKER_00]: You're choosing looking good over financial freedom.
18:05
[SPEAKER_00]: And here's the crazy part.
18:06
[SPEAKER_00]: We justify it with spiritual language.
18:09
[SPEAKER_00]: God told me to get it.
18:11
[SPEAKER_00]: God told me to get the house.
18:13
[SPEAKER_00]: He said, he'll provide for me.
18:17
[SPEAKER_00]: Oh, I know I'm going to get in trouble.
18:20
[SPEAKER_00]: But always ask this question, did he?
18:24
[SPEAKER_00]: Or did you want it?
18:27
[SPEAKER_00]: And to justify it, because you quote unquote, got a proved, you're going to put God's name on it.
18:35
[SPEAKER_00]: I'm claiming God's blessings.
18:38
[SPEAKER_00]: If God didn't want me to have it, he would not have sent it my way.
18:43
[SPEAKER_00]: Come on, man.
18:43
[SPEAKER_00]: This is family.
18:44
[SPEAKER_00]: AI is not the future.
18:45
[SPEAKER_00]: It is honestly right now.
18:47
[SPEAKER_00]: You see, if you're still trying to figure out how to get ahead, but you're stuck trading time for money, you're already behind.
18:54
[SPEAKER_00]: That's why I really want you to check out the AI Automation Bootcamp from my friends over at careerists.
19:01
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19:13
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19:20
[SPEAKER_00]: And I'm not talking about average paid.
19:22
[SPEAKER_00]: I'm talking about like 90,000 to 140,000 dollars a year.
19:25
[SPEAKER_00]: Or side income you can run from home.
19:28
[SPEAKER_00]: That is absolutely amazing.
19:30
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19:32
[SPEAKER_00]: They walk you through every step of the way.
19:34
[SPEAKER_00]: Here's what I love.
19:35
[SPEAKER_00]: You get a real career coach until you land, let's say your first job, or you launch that business.
19:41
[SPEAKER_00]: Listen, if you want to stop watching AITIS you buy and start using it to build wealth,
19:47
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19:51
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19:56
[SPEAKER_00]: Please, don't get left behind, family.
19:59
[SPEAKER_00]: Go check it out and I promise you, you'll think me later.
20:03
[SPEAKER_00]: Listen, that's not a blessing.
20:06
[SPEAKER_00]: That $60,000 of a liability that's depreciating in your driveway.
20:13
[SPEAKER_00]: that dream home of yours is no longer a dream, it is now a nightmare.
20:21
[SPEAKER_00]: I want to give you some some real numbers.
20:24
[SPEAKER_00]: Because I think it's important for us to understand.
20:27
[SPEAKER_00]: I'm learning inside of my doctoral program at Regent University.
20:34
[SPEAKER_00]: that as a thought leader, I have to make sure that I'm providing statistics and I'm providing scripture and I'm providing data to back up my points.
20:46
[SPEAKER_00]: So I did some research.
20:48
[SPEAKER_00]: The average Christian household has almost $10,000 in the
21:04
[SPEAKER_00]: So we got $10,000 almost in credit card debt, almost a $600 a month car payment, but we don't even have $1,000 in savings, but we're wearing designer clothes to church, mother going to have on that beautiful head, mother going to have that little baton purse, and I just, I don't get
21:34
[SPEAKER_00]: You see, people don't really like sitting down with me when it comes to their finances because if you walk in with a $2,500 purse and you do not have $1,000 in your bank account.
21:47
[SPEAKER_00]: If you have anything less than $5,000 in your bank account but you've got a $2,500 purse, I'm gonna tell you straightforward.
21:56
[SPEAKER_00]: You can't tell me you can't save.
21:58
[SPEAKER_00]: You can't even, oh I'm about to go there, I'm about to get in trouble, Ed, I'm about to get in trouble.
22:03
[SPEAKER_00]: You can't blame Donald Trump for your bad money decisions, or the system made made for me.
22:08
[SPEAKER_00]: Negro, you spent $2500 on the purpose.
22:15
[SPEAKER_00]: You got no my philosophy.
22:15
[SPEAKER_00]: If you cannot afford to pay for it two times, you can't afford it.
22:19
[SPEAKER_00]: So why do you have a $2500 person?
22:21
[SPEAKER_00]: Why do you have one a $3,000 bat bat brothers?
22:24
[SPEAKER_00]: Why do you have one a $1500 shirt?
22:28
[SPEAKER_00]: Why do you have one $400 per of the shoes?
22:31
[SPEAKER_00]: And you do not even have a thousand dollars.
22:34
[SPEAKER_00]: but you're not blessed.
22:37
[SPEAKER_00]: I did some more research.
22:38
[SPEAKER_00]: And I relate to this.
22:39
[SPEAKER_00]: Watch this.
22:40
[SPEAKER_00]: The average net worth millionaire drives a three to four year old vehicle.
22:45
[SPEAKER_00]: When I look at my vehicles, all of them are about three years old.
22:51
[SPEAKER_00]: the average millionaire, the average net worth millionaire, lives in a modest home.
22:56
[SPEAKER_00]: All the times, when my friends come over to the house because I do have luxury cars, they are shocked by the home that I live in.
23:02
[SPEAKER_00]: Because it is a modest, traditional family home.
23:06
[SPEAKER_00]: I'm like, bro, it's just me.
23:08
[SPEAKER_00]: I'm 5, 7, 5, 6 and a half, rounded 5, 7.
23:12
[SPEAKER_00]: I weigh 165 pounds.
23:13
[SPEAKER_00]: I got a black German shepherd.
23:16
[SPEAKER_00]: I don't need a big old modern, two, three million
23:21
[SPEAKER_00]: Yes, I'm gonna pull my beautiful luxury cars into my modest home.
23:28
[SPEAKER_00]: Now, when I get married, that may change, right?
23:30
[SPEAKER_00]: But today, I'm gonna live below my knees.
23:34
[SPEAKER_00]: And here's one thing I have learned with, and I'm just now, just now, I'm beyond this, which I'm just now getting to this point.
23:41
[SPEAKER_00]: I really don't care what people say about me.
23:45
[SPEAKER_00]: I genuinely don't.
23:47
[SPEAKER_00]: I used to care.
23:49
[SPEAKER_00]: I'm going to be honest with you.
23:51
[SPEAKER_00]: I used to care.
23:52
[SPEAKER_00]: That's why I didn't tell anybody I had to Bentley Continental because I was fearful of what people would think about me.
24:01
[SPEAKER_00]: That's why I really bring a lot of people to my house because I used to, but I don't want them, but now I'm like, I don't care.
24:09
[SPEAKER_00]: I'm free.
24:11
[SPEAKER_00]: Do you see the difference?
24:12
[SPEAKER_00]: You see,
24:18
[SPEAKER_00]: average people do I want to give you two quick things on how do we break free from this and there been more to our last name let's talk about let's go for today here's actually stop number one that I put into place for myself and I still do this to this day still still I have to stop comparing myself to other people
24:44
[SPEAKER_00]: Because what I've learned is that comparison is the thief of joy, and the thief of wealth.
24:54
[SPEAKER_00]: A lot of my friends have these bracelets with the offer God.
24:59
[SPEAKER_00]: Everyone's happening, right?
25:01
[SPEAKER_00]: and then some of my friends have these bracelets that once you buy it, they they pretty much like it on your arm and you cannot take it off.
25:10
[SPEAKER_00]: It's like $3,4,000.
25:11
[SPEAKER_00]: And they're like, yo, man, you need to get you one, bro.
25:14
[SPEAKER_00]: You got the money.
25:16
[SPEAKER_00]: And I remember one day I walked into the mall.
25:18
[SPEAKER_00]: This was last year.
25:19
[SPEAKER_00]: I wasn't gonna lie.
25:19
[SPEAKER_00]: I walked into it because all my wealthy friends got it.
25:23
[SPEAKER_00]: I walked into the mall to buy those two bracelets.
25:27
[SPEAKER_00]: I walked in and I said, I really don't like this.
25:30
[SPEAKER_00]: And I'm about to drop five grand for these two bracelets, just to blend in.
25:38
[SPEAKER_00]: Man, I walked that desk door so quick, and I laughed at myself.
25:42
[SPEAKER_00]: I said, bro, you was about to spend five grand or something.
25:48
[SPEAKER_00]: And here's the truth.
25:50
[SPEAKER_00]: If I'm being honest with you, the majority of friends, I really don't know what's in their bank account.
25:57
[SPEAKER_00]: I don't know how much debt they actually have.
26:01
[SPEAKER_00]: Here's the truth.
26:03
[SPEAKER_00]: I don't want to know this stress level at home.
26:07
[SPEAKER_00]: And I'm sitting here trying to compare myself to them.
26:10
[SPEAKER_00]: When I'm stressed free.
26:12
[SPEAKER_00]: When I walk to my mailbox, I can walk to that mailbox and leave the mailbox stress free.
26:18
[SPEAKER_00]: On the first of the month, yeah, I have my bills, but it's not debt.
26:23
[SPEAKER_00]: When I get in my cars, I ain't got no car payments.
26:26
[SPEAKER_00]: I got the pink slip, I got the registration, I own my cars, I got peace.
26:35
[SPEAKER_00]: Stop trying to keep up with people who might be broke just like you.
26:40
[SPEAKER_00]: And here's, I actually stopped number two.
26:43
[SPEAKER_00]: Live below your means.
26:44
[SPEAKER_00]: If you make $5,000 a month, here's simple math.
26:46
[SPEAKER_00]: Live $4,000.
26:48
[SPEAKER_00]: If you make $10,000 a month, now watch this,
26:53
[SPEAKER_00]: Just because you're going up on income doesn't mean that your expenses need to go up.
26:58
[SPEAKER_00]: Because remember, well, this is something that we teach inside the end-of-black app and inside the community.
27:05
[SPEAKER_00]: It's margin is where we build the wealth.
27:07
[SPEAKER_00]: margin is the key thing that we got to really focus on getting to.
27:12
[SPEAKER_00]: So if you're making $10,000 in your spending $7,500, that means you have $2,500 a month that you can now invest, that you can now so seize into, that you can use to now do something that is really, really, really amazing for you and your family.
27:28
[SPEAKER_00]: because that's the key ingredient.
27:32
[SPEAKER_00]: And then here's the last one, we're going to say this one, we're going to get to the last money set.
27:38
[SPEAKER_00]: Readifying what blessed means to you.
27:40
[SPEAKER_00]: I won't say this a couple, we got a couple.
27:44
[SPEAKER_00]: That's going to be coming up on the show here soon.
27:47
[SPEAKER_00]: And I'm going to ask them this question.
27:50
[SPEAKER_00]: What does blessed mean to you and your wife, to you and your husband, for you and your family?
27:55
[SPEAKER_00]: because what what I may call a blessing is going to be different for someone else.
28:02
[SPEAKER_00]: Being blessed is not about what you drive or what you wear or where you're going.
28:06
[SPEAKER_00]: You see, being blessed to me is about having peace about your finances.
28:11
[SPEAKER_00]: It's about being able to give generously.
28:14
[SPEAKER_00]: It's about having no stress when it comes to bills.
28:18
[SPEAKER_00]: Being blessed to Anthony O'Neill and this season of my life is that I know I am going to have issues in my marriage that I am going to have to grow and mature from, but I know one thing money is not going to be one of them.
28:32
[SPEAKER_00]: I know that I'm going to learn, I have to be a father.
28:36
[SPEAKER_00]: I'm going to make mistakes, I have a father, but one thing is we're not going to stress about what school they're going to, and about can we buy them clothes, and can we take them on trips?
28:45
[SPEAKER_00]: No, no, no.
28:47
[SPEAKER_00]: You see, being blessed by building generational impact, having options and freedoms, not just for myself, but for my kids.
29:02
[SPEAKER_00]: To sit here, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm, mm
29:29
[SPEAKER_00]: because when I was single, when I was young, I didn't make the right decisions.
29:36
[SPEAKER_00]: If you're stressed in debt and living paycheck to paycheck, you're not blessed, you may look like you blessed, but you're in bondage and it's time to break free.
29:50
[SPEAKER_00]: Here's the last medicine.
29:52
[SPEAKER_00]: And y'all know me 2026.
29:53
[SPEAKER_00]: I'm teaching on it.
29:58
[SPEAKER_00]: because this is near and dear to my heart.
30:02
[SPEAKER_00]: Tithing without stewardship.
30:06
[SPEAKER_00]: Okay.
30:09
[SPEAKER_00]: This is gonna make honestly some of you a little upset, but I'm gonna say it anyways because somebody needs to say it.
30:21
[SPEAKER_00]: Tithing alone is not gonna make you healthy.
30:28
[SPEAKER_00]: Sowing seeds and giving your your tied-in-off rings alone It's not going to set you up for generational well Let me explain This is biblical A thing is over in Malachi, Malachi, chapter 3, verse 10 I believe that to be real I believe in tithing because I tied
30:56
[SPEAKER_00]: But, but here's the problem, we've been taught that if we just give God his 10% God will automatically make us rich.
31:10
[SPEAKER_00]: I remember when I was young and I must say this respectfully.
31:21
[SPEAKER_00]: I saw a young lady, not young, well, she was young.
31:27
[SPEAKER_00]: She was like in her 30s and I was a young kid.
31:30
[SPEAKER_00]: And she walked up, they had this line of tide payers, of gipper, of seed sowers.
31:39
[SPEAKER_00]: And she said, I'm giving you $5,000.
31:42
[SPEAKER_00]: This is everything in my savings.
31:46
[SPEAKER_00]: And I'm believing that God,
31:49
[SPEAKER_00]: is going to give me $100,000 for a down payment on all.
31:58
[SPEAKER_00]: Man, the church went crazy.
31:59
[SPEAKER_00]: The church started shouting.
32:01
[SPEAKER_00]: The church is... Panarras.
32:04
[SPEAKER_00]: And I'm a pinocostal dude at the core of me.
32:08
[SPEAKER_00]: I'm a quartet music guy.
32:10
[SPEAKER_00]: I'm a choir guy.
32:12
[SPEAKER_00]: I'm pinocostal speaking in tongues like, that is Anthony O'Neill at my core.
32:17
[SPEAKER_00]: I was ordained AME Zion, right?
32:20
[SPEAKER_00]: That's where I have my ordination from.
32:22
[SPEAKER_00]: And then I got my ordained as a pastor from Bishop Joseph Walker and the full gospel fellowship, right?
32:34
[SPEAKER_00]: This flawed man is a ordained, pentecostal preacher at heart.
32:42
[SPEAKER_00]: And as I'm matured in my gospel, I remember going back to that story, and I was like, that's not how it works.
32:50
[SPEAKER_00]: It's not how it works.
32:52
[SPEAKER_00]: You can type, faithfully, and still be broke, if you're a bad steward over the other 90%, Anthony, how is that?
33:01
[SPEAKER_00]: Wait a minute y'all, listen.
33:04
[SPEAKER_00]: You gave God back 10% of his, say, one more time.
33:09
[SPEAKER_00]: You gave God back 10% of his.
33:14
[SPEAKER_00]: What do you mean, Anthony?
33:16
[SPEAKER_00]: All 100 of it is his.
33:18
[SPEAKER_00]: He's trusting you to steward than 90%.
33:21
[SPEAKER_00]: Think about it, think about it.
33:23
[SPEAKER_00]: If you make $5,000 a month and you tie the $500, that's great.
33:28
[SPEAKER_00]: But if you spend $4800 on bills, eating out, subscriptions, luxury items, vacations, and stuff that you do not need, you're still broke.
33:39
[SPEAKER_00]: You're not stored in God's money well.
33:42
[SPEAKER_00]: God bless you with the 100% of income.
33:46
[SPEAKER_00]: The Tithe is 10%, but you're still responsible for storing the other 90%.
33:57
[SPEAKER_00]: We think I tied, so God's got the rest.
34:00
[SPEAKER_00]: I gave my offering, so I don't need to budget.
34:04
[SPEAKER_00]: Oh my God, the pastor said, this is the time in the service, where if you sow a seed, God's gonna bless you tremendously.
34:11
[SPEAKER_00]: So you sow that seed, so I can spend whatever now.
34:15
[SPEAKER_00]: Now, man, listen, I'm all for so-and-sees.
34:18
[SPEAKER_00]: I'm all for tithing, but tithing doesn't replace stewardship.
34:23
[SPEAKER_00]: It's part of stewardship.
34:25
[SPEAKER_00]: Luke 16 verse 10 says who ever can be trusted with what very little can also be trusted with so much.
34:36
[SPEAKER_00]: If you can't manage 50,000 dollars well, why in the world will God trust you with a half a million dollars?
34:43
[SPEAKER_00]: If you can't store 5,000 dollars a month, why would it give you
34:56
[SPEAKER_00]: And here's the truth that a lot of Christians do not want to hear.
35:00
[SPEAKER_00]: Your financial breakthrough isn't being withheld because you didn't tie enough.
35:05
[SPEAKER_00]: It's being withheld because you're not ready for it.
35:14
[SPEAKER_00]: If God gave you $100,000 right now, don't put this aside in comment section, I really want you to think about this.
35:20
[SPEAKER_00]: If you married, I really want you to go home and ask your wife that right now.
35:24
[SPEAKER_00]: If God bless you with the extra $100,000 right now, what would you do with it?
35:33
[SPEAKER_00]: If God answered your prayer and made you a millionaire, what would you do with it?
35:41
[SPEAKER_00]: Be honest.
35:44
[SPEAKER_00]: When you pay off debt, would you invest it?
35:47
[SPEAKER_00]: Would you build an emergency fund?
35:48
[SPEAKER_00]: Or would you go buy that dream car viewers already?
35:53
[SPEAKER_00]: Would you go in that dream vacation?
35:56
[SPEAKER_00]: Would you go upgrade your lifestyle, upgrade your home?
36:01
[SPEAKER_00]: Listen, I want you to be honest because I believe that your answer reveals whether you're ready for wealth or not.
36:10
[SPEAKER_00]: And if I'm being transparent about myself, there have been some prayers that I have been asking God for.
36:17
[SPEAKER_00]: And I won't reveal too much of it because I'm shifting some things personally inside of myself.
36:29
[SPEAKER_00]: But God said, the reason why I have not allowed you and the reason why I have not answered this particular prayer
36:43
[SPEAKER_00]: that well.
36:45
[SPEAKER_00]: He said, you're doing great in money.
36:47
[SPEAKER_00]: You're doing great when it comes to education.
36:50
[SPEAKER_00]: But Anthony, there are some things inside of you that I just don't think you're ready for.
36:56
[SPEAKER_00]: So I need you to stay in therapy.
36:58
[SPEAKER_00]: I need you to get around, you know, otherwise, men and women and and and mature in this particular area.
37:07
[SPEAKER_00]: And when God hit me with that, I'm thinking I'm straight, I ain't got no dead, I got money, I got this, I'm speaking all over the place, you know, I'm in church, but all of us, there's something that God is withholding from us.
37:23
[SPEAKER_00]: because he believes we wouldn't steward it well.
37:28
[SPEAKER_00]: And so when it comes to your money, I'm gonna give you two action steps and then we're gonna end today's episode.
37:35
[SPEAKER_00]: Here's step number one.
37:36
[SPEAKER_00]: Continue to tie the faithfully, okay?
37:39
[SPEAKER_00]: Yes, tie.
37:41
[SPEAKER_00]: Honor God with your first 10%, that's a non-negotiable, but do not stop there, which leaves me over to step number two.
37:50
[SPEAKER_00]: You got a budget the other 90% every single dollar needs a name, every single dollar needs a purpose.
38:00
[SPEAKER_00]: This is something that I just don't play with.
38:03
[SPEAKER_00]: I don't when it comes to my money.
38:06
[SPEAKER_00]: And even now, not only am I budgeting my money, I'm also now budgeting my time.
38:13
[SPEAKER_00]: I'm positioning myself now in this season to make room for wife, to make room for children, to make room for a family.
38:26
[SPEAKER_00]: Budgeting, the other 90% shows God that he can trust me with more.
38:32
[SPEAKER_00]: You all have heard me say this before.
38:33
[SPEAKER_00]: I don't know how my company has made multiple millions of dollars every single year.
38:43
[SPEAKER_00]: But as I'm just studying and as I'm evolving, as I'm maturing, God is like, man, you've been a good story.
38:50
[SPEAKER_00]: Anthony, you give 10% away.
38:53
[SPEAKER_00]: And then there's something that I haven't really taught on and I'm gonna be teaching on it because I don't like boasting about it.
38:59
[SPEAKER_00]: But man, I also steward relationships well.
39:04
[SPEAKER_00]: When I say relationships, I'm talking about business, not romantic.
39:08
[SPEAKER_00]: And I don't hoard relationships.
39:10
[SPEAKER_00]: If I have people that I believe will benefit from this relationship, and it can put 50,000 to 100,000 or 5,000 in their pocket, man, I give it away.
39:18
[SPEAKER_00]: I don't keep secrets.
39:19
[SPEAKER_00]: I don't keep my brothers and sisters, specifically, black brothers and sisters away from things that's working for me.
39:27
[SPEAKER_00]: No, man.
39:28
[SPEAKER_00]: No, no.
39:29
[SPEAKER_00]: If I see someone who I love and need and I have it, I would rather give it to them than to go buy something luxury.
39:37
[SPEAKER_00]: because that's also a part of being a good steward.
39:41
[SPEAKER_00]: One of my friends was going through something.
39:45
[SPEAKER_00]: And I know that this particular friend was rackin' up a lot of bills because of this particular situation that was out of his control.
39:54
[SPEAKER_00]: I said, let me go ahead and pay the mortgage for y'all this month.
40:00
[SPEAKER_00]: Didn't ask this particular friend money.
40:05
[SPEAKER_00]: That makes me feel good because that's a part of stewarding.
40:08
[SPEAKER_00]: That shows God, yo, if you bless me with more, the 90% that I'm keeping is not just for me.
40:15
[SPEAKER_00]: It's not just to make me look good.
40:17
[SPEAKER_00]: I'm going to find out a way on how I could be a blessing.
40:21
[SPEAKER_00]: So 5% of my income every single month is set aside just for generosity.
40:29
[SPEAKER_00]: Just for generosity.
40:33
[SPEAKER_00]: Who, I am intentional, every single month, who can I bless?
40:37
[SPEAKER_00]: Who needs his blessing?
40:39
[SPEAKER_00]: The other day, I'm talking about bleeding blessing.
40:43
[SPEAKER_00]: And there's this restaurant that I go to every Tuesday after I eat.
40:48
[SPEAKER_00]: And it was snowing.
40:49
[SPEAKER_00]: And when I walked into the restaurant, I had the same waitress, it's too amazing, young ladies and college.
40:56
[SPEAKER_00]: And I was like, yo,
40:58
[SPEAKER_00]: Where's everybody's?
40:58
[SPEAKER_00]: I mean, nobody wants to come out here in a snow.
41:00
[SPEAKER_00]: And waitresses, they make money off for their tips.
41:04
[SPEAKER_00]: And I remember about a month ago, she told me, I make one average about $3 to $500, you know what I'm saying, a day on tips when she's working.
41:13
[SPEAKER_00]: But she's like the last two days, Anthony now, I just been getting my hourly pay.
41:17
[SPEAKER_00]: I said, word, ate my food.
41:20
[SPEAKER_00]: I said, yo, where's the manager at?
41:22
[SPEAKER_00]: The manager, I know him well.
41:24
[SPEAKER_00]: So he came over and said, hey, I was going to tell you what, so that where you don't have, there's nothing going wrong here, she ain't doing nothing.
41:29
[SPEAKER_00]: I know my ticket, it says $34, but I'm going to give her $500 tip today.
41:36
[SPEAKER_00]: She started crying.
41:39
[SPEAKER_00]: He said, are you sure?
41:40
[SPEAKER_00]: You know you don't have to, I said no.
41:42
[SPEAKER_00]: But I'm going to be a blessing tour.
41:44
[SPEAKER_00]: She drove into snow.
41:49
[SPEAKER_00]: I want to be a blessing.
41:51
[SPEAKER_00]: I'm intentional about showing God in the other 90% I'm there.
41:56
[SPEAKER_00]: Then I'll say on about 10 to 20% I'm saving for anything or investing.
42:01
[SPEAKER_00]: Then about 40% of my income, I'm living, that's my living expenses.
42:06
[SPEAKER_00]: Then I'll say for you all, the extra 10 to 20% should go towards your debt pay off if you have any debt.
42:12
[SPEAKER_00]: And then let's just be real, anywhere between 5 to 10%, that could be your fund discretionary funds.
42:17
[SPEAKER_00]: That's the basic framework on how I would budget your income.
42:21
[SPEAKER_00]: But if you download the app today, we are literally going to walk you through everything and hold you accountable to what your budget says.
42:30
[SPEAKER_00]: Every single day is what I love about this app.
42:33
[SPEAKER_00]: Every single day, when you go to sleep, the app goes to work.
42:37
[SPEAKER_00]: When you wake up in the morning, it tells you, yo, you're on track to your young goals.
42:41
[SPEAKER_00]: You're on track with your investment goals.
42:44
[SPEAKER_00]: Hey, you spent a little bit too much yesterday on food.
42:47
[SPEAKER_00]: Slow your behind down, literally.
42:51
[SPEAKER_00]: And I've trained this coach to sound just like me, because I want to make sure that you all are getting there.
42:56
[SPEAKER_00]: Here's the last thing y'all.
42:58
[SPEAKER_00]: Increase your financial intelligence.
43:00
[SPEAKER_00]: Over in Proverbs 4, verse 7 it says, wisdom is the principal thing.
43:05
[SPEAKER_00]: Therefore, get all the wisdom you possibly can.
43:09
[SPEAKER_00]: Read books.
43:11
[SPEAKER_00]: take the escape plan and side of the end of Black App, right?
43:14
[SPEAKER_00]: Watch videos, if you're gonna be on Instagram, which we all are on Instagram, may at least follow accounts that that's giving you some proper information.
43:23
[SPEAKER_00]: If you're married, follow married couples who's talking about finances and married couples, talking about healthy love, like wherever you are, grow and evolve and mature.
43:34
[SPEAKER_00]: I was telling to a friend of the night, I intentionally spend 30 minutes a day learning something new.
43:42
[SPEAKER_00]: because God gave me a brain.
43:44
[SPEAKER_00]: And I want to make sure that I'm continuing to build it and use it.
43:49
[SPEAKER_00]: Listen, y'all, we've covered three money sentence.
43:53
[SPEAKER_00]: And again, these are not sins that's going to seem in the heaven or hell.
43:55
[SPEAKER_00]: No, no.
43:57
[SPEAKER_00]: It's just I believe it's just poor teachings that we've been taught in the church.
44:01
[SPEAKER_00]: Confusing faith with foolishness, living above your means, to look blessed, and tie them without stewardship.
44:12
[SPEAKER_00]: and really think about this, sit down with your spouse, sit down with the accountability partner, and really make a plan to break free in 2026.
44:21
[SPEAKER_00]: I'm way over my time today, y'all, I gotta go, and I love you all, as always.
44:28
[SPEAKER_00]: Don't forget, hit that subscribe button, don't forget to hit the thumbs up if you enjoyed today's show, and to all my deep Christians, forgive me if I offended you, but someone had to say it.
44:37
[SPEAKER_00]: and I'm seeing you next show.
44:40
[SPEAKER_00]: Don't forget to check out our app.
44:41
[SPEAKER_00]: It says it's inside to show notes.
44:43
[SPEAKER_00]: Be careful.