Latest / The Table with Anthony ONeal / I Quit Buying These 5 'Normal' Things & Saved $50K in 12 Months!

Transcript

I Quit Buying These 5 'Normal' Things & Saved $50K in 12 Months! · The Table with Anthony ONeal

0:00
[SPEAKER_00]: What's going to family?
0:01
[SPEAKER_00]: Y'all listen.
0:01
[SPEAKER_00]: I need to tell you something that might make a little, uh, I was saying make you a little uncomfortable.
0:07
[SPEAKER_00]: You see, over the last 12 to 18 months, I have stopped buying six particular things that people call normal.
0:14
[SPEAKER_00]: People will say, you need these things and you know what happened.
0:17
[SPEAKER_00]: Over the last 12 to 18 months, I've said about 50,000
0:22
[SPEAKER_00]: dollars.
0:23
[SPEAKER_00]: I'm not exaggerating.
0:24
[SPEAKER_00]: $50,000.
0:25
[SPEAKER_00]: Now some of you all are going to honestly get mad at me.
0:29
[SPEAKER_00]: I'm going to be honest with you.
0:30
[SPEAKER_00]: Some of you are going to say, Anthony, you're being extreme, bro.
0:35
[SPEAKER_00]: But here's the truth.
0:36
[SPEAKER_00]: Here's 100% truth.
0:37
[SPEAKER_00]: These six purchases are keeping people broke.
0:41
[SPEAKER_00]: And the company selling them are counting you to never wake up.
0:46
[SPEAKER_00]: I'm not, I'm not here to tell you
0:48
[SPEAKER_00]: what to do with your money.
0:50
[SPEAKER_00]: Now, I'm simply here to show you what I did with my money, what I'm doing with my money, and the results will speak for itself.
0:58
[SPEAKER_00]: So, if you're tired of living paycheck to paycheck, if you're ready to build real wealth instead of the fake status, I need you to stay with me throughout today's episode, because when I'm about to share, could change some of you all's financial life forever.
1:12
[SPEAKER_00]: We're going through all six things.
1:15
[SPEAKER_00]: They exact math on how I saved $50,000.
1:19
[SPEAKER_00]: And what you need to do with the money once you save it.
1:24
[SPEAKER_00]: So I want to get straight into it.
1:26
[SPEAKER_00]: But before we get into it, let me give you some context.
1:30
[SPEAKER_00]: I used to think I needed all this stuff, a new car every two years, the latest and greatest iPhone, DoorDash whenever I didn't feel like cooking, designer, jury, every streaming service, I mean, I thought I needed the works.
1:45
[SPEAKER_00]: I was living with a society called normal, but you know what normal got me, stress.
1:50
[SPEAKER_00]: debt, headaches, and lonely nights, and a bank account that never seemed to grow, no matter how much money I made, no matter how hard I even worked.
2:02
[SPEAKER_00]: So I made a decision.
2:03
[SPEAKER_00]: 18 months ago,
2:05
[SPEAKER_00]: I was saying a long time ago, but 18 months ago in this particular journey, I was going to rebel against certain consumer traps.
2:12
[SPEAKER_00]: I was going to stop buying things just because everyone else was buying them.
2:17
[SPEAKER_00]: I was going to be intentional with every single dollar.
2:21
[SPEAKER_00]: And even at my financial status, I still have to be intentional.
2:25
[SPEAKER_00]: And here's exactly what's happened.
2:27
[SPEAKER_00]: What happened in this season of my life, like I told you, I say $50,000.
2:32
[SPEAKER_00]: not by making more money, but by stopping the financial bleeding on certain particular items.
2:40
[SPEAKER_00]: Now, I'm going to walk you through all six things.
2:44
[SPEAKER_00]: I quit buying over the last 12 to 18 months.
2:46
[SPEAKER_00]: The research that backs up why these purchases are wealth killers and the exact math on how much I particularly save.
2:55
[SPEAKER_00]: But here's a deal.
2:57
[SPEAKER_00]: If this resonates with you throughout today's episode, I need you to hit that like button and subscribe, join this family because we're building a community of people who want to get in the black and refuse to stay in the red, all right?
3:10
[SPEAKER_00]: So let's get straight into it.
3:12
[SPEAKER_00]: But before, but before, here we go real quick before.
3:14
[SPEAKER_00]: I want to show you how to save $50,000.
3:17
[SPEAKER_00]: I need to talk about what you're going to do with that money once you say this, whether you say 5,10,15,000 because this is a part, this is part, well this is the part I will say that most people get wrong, here's the truth, saving $50,000 is amazing.
3:35
[SPEAKER_00]: But if you just let it sit in a regular same as a count, earning 0.01 to 0.4% interest, you're still losing money to inflation.
3:45
[SPEAKER_00]: You're working hard to save, but your money isn't working hard for you.
3:49
[SPEAKER_00]: You're going to be making some sacrifices, but we need our money to make some sacrifices and duplicate as well.
3:56
[SPEAKER_00]: That's why the first thing I did when I started saving...
3:59
[SPEAKER_00]: My money, I started parking it inside of a high yield savings account, and I'm not talking about your regular bank on that page you pennies.
4:06
[SPEAKER_00]: I'm talking about accounts that are currently paying 4% to 5% APY, and then we show you the difference because this is critical.
4:16
[SPEAKER_00]: If you have $50,000 in a regular savings account, I'd say I have 0.01% interest, which is what most banks are paying today, your earned $5 on that $50,000.
4:26
[SPEAKER_00]: five freaking dollars.
4:29
[SPEAKER_00]: That's it.
4:30
[SPEAKER_00]: But if you put that same $50,000 in the highest savings account at 4.5% APY, you're earning about $2,200 in a year.
4:40
[SPEAKER_00]: That's $2,250 in free money for parking your savings in the right place.
4:47
[SPEAKER_00]: That's called stewardship for my Christian friends.
4:50
[SPEAKER_00]: Think about that.
4:51
[SPEAKER_00]: You're about to learn how to say $50,000 by cutting out six things.
4:55
[SPEAKER_00]: And when you do, your money can earn you an extra $2,250 a year in interest.
5:00
[SPEAKER_00]: That's almost $200 a month in passive income just from your savings account alone.
5:05
[SPEAKER_00]: No, no.
5:06
[SPEAKER_00]: Some of you all are thinking, Anthony, I don't know which high-year savings to choose.
5:10
[SPEAKER_00]: Well, there are so many options out there.
5:12
[SPEAKER_00]: There's a lot of good options to be honest with you.
5:14
[SPEAKER_00]: But how do you know which one is best?
5:15
[SPEAKER_00]: I got you.
5:16
[SPEAKER_00]: Every single week, I update my website with the best high-year savings account available.
5:21
[SPEAKER_00]: I do the research so you don't have to.
5:23
[SPEAKER_00]: I look at the interest rate, the fees, the minimum balance, the customer service, every single thing.
5:28
[SPEAKER_00]: And my team and I put together a list of my top picks for that particular week.
5:32
[SPEAKER_00]: All you have to do is go to anthonyoneo.com for SaaS savings, and you'll see my current recommendations and my top one.
5:39
[SPEAKER_00]: So go to anthonyoneo.com for SaaS savings.
5:42
[SPEAKER_00]: I'll also put the link inside the description and inside the pinned comments as well.
5:46
[SPEAKER_00]: Alright, here's what I'm telling you this now before we get into the six things.
5:50
[SPEAKER_00]: Because I want you to have a plan for you money.
5:52
[SPEAKER_00]: I want you to know that every dollar you save from cutting out these six things is going to work for you.
6:01
[SPEAKER_00]: So right now, I want you to pause this video, go to ampediamill.com for Saturdays, pick your high-year savings account.
6:08
[SPEAKER_00]: It will take you five minutes to 10 minutes max.
6:10
[SPEAKER_00]: They don't want you to come back and finish this episode.
6:13
[SPEAKER_00]: Because once you do this, once you see how much money you can save from these six things, you're going to want to place, you're going to want to place.
6:21
[SPEAKER_00]: Obviously, to put it where it actually grows.
6:25
[SPEAKER_00]: All right, so let's get into the six things that I stop buying.
6:29
[SPEAKER_00]: The very first thing, thing number one.
6:31
[SPEAKER_00]: New cars.
6:33
[SPEAKER_00]: Number one, I stopped buying new cars.
6:37
[SPEAKER_00]: And this one right here, this is honestly the biggest wealth killer in America.
6:42
[SPEAKER_00]: I want to show you the numbers.
6:44
[SPEAKER_00]: The average new car payment in America right now is about $735 to $749 a month according to experience.
6:52
[SPEAKER_00]: That's $9,000 a year.
6:54
[SPEAKER_00]: over a typical five-year loan, that's $45,000, and that's done even counting the interest you're paying on top of that.
7:02
[SPEAKER_00]: But here's where it gets worse, according to Kelly Bluebook and industry data from 2024 last year, the average new car loses 20% of its value in the first year alone, 20%.
7:16
[SPEAKER_00]: That means if you buy a car.
7:19
[SPEAKER_00]: And for $40,000 today, it's worth $3,000, $2,000 in less than 12 months.
7:25
[SPEAKER_00]: You just lost $8,000 by driving it off the lot, I want you to think about that.
7:31
[SPEAKER_00]: You're paying $9,000 a year and car payments and your car is losing $8,000 in value in the very first year.
7:41
[SPEAKER_00]: That's the $17,000 hit to your wealth in one year.
7:47
[SPEAKER_00]: That's not an investment.
7:48
[SPEAKER_00]: That's financial, self, sabotage.
7:52
[SPEAKER_00]: And here's what the car companies don't want you to know.
7:55
[SPEAKER_00]: They make more money on financing than they do on selling you the car.
8:01
[SPEAKER_00]: Let me say that one more time.
8:02
[SPEAKER_00]: They want you to finance the car.
8:04
[SPEAKER_00]: They want you to have a payment.
8:07
[SPEAKER_00]: They want you to think you deserve a new car every year.
8:11
[SPEAKER_00]: They want you to believe that a car is a status symbol.
8:16
[SPEAKER_00]: Let me tell you what a car really is.
8:19
[SPEAKER_00]: It's a tool that gets you from point A to point B and two points C. Let's be honest.
8:23
[SPEAKER_00]: That's it.
8:25
[SPEAKER_00]: So here's what I honestly did instead.
8:30
[SPEAKER_00]: I'm gonna teach you something that a lot of people are not gonna lie.
8:34
[SPEAKER_00]: All right, I'm telling you right now, you're not gonna lie what I did.
8:38
[SPEAKER_00]: So recently, I have two exotic cars.
8:41
[SPEAKER_00]: I'm not gonna lie to you.
8:42
[SPEAKER_00]: I bought all of them used with mouths on them, right?
8:45
[SPEAKER_00]: You all know about my dream card, the Bentley and I bought a truck to very nice high-end cars that I pay cash for, say, to form.
8:53
[SPEAKER_00]: But I wanted to park those cars, but I did, and I had a budget and I said, hey, you know what, I need to buy a car that I can drive on a monthly basis, right?
9:06
[SPEAKER_00]: On a monthly monthly monthly, I'm not a monthly on a daily basis.
9:11
[SPEAKER_00]: So I started doing some research and there's two things that I think a lot of people are not this way, it's not what you're going to like, but it worked for me that saved me so much money.
9:20
[SPEAKER_00]: So I remember calling my uncle who owns a car dealership.
9:23
[SPEAKER_00]: Right, I said, hey man, here's my budget.
9:26
[SPEAKER_00]: And I need an SUV that I can drive because I have a dog and I don't want Raven in the back seat of a car.
9:32
[SPEAKER_00]: She's never driven in the Bentley.
9:34
[SPEAKER_00]: I don't want to run around that.
9:35
[SPEAKER_00]: I said, well, I need a car.
9:37
[SPEAKER_00]: I need an SUV, but here's my budget.
9:40
[SPEAKER_00]: And watch this.
9:42
[SPEAKER_00]: I want you to find me a car that has a car fax report and has been on the lot for 60 days.
9:50
[SPEAKER_00]: Well, he said, Anthony, I got one.
9:53
[SPEAKER_00]: I said, you do, he says, yes, I got a 20, 24, watch this, I got a 20, 24 range rover that was in a bad accident and it's sitting on my lap because nobody wants to buy it because it's in the bad accident.
10:10
[SPEAKER_00]: I pull up the car facts and I see the car facts in it and you know a car facts that says minor.
10:16
[SPEAKER_00]: says minor, moderate, major.
10:20
[SPEAKER_00]: Well, this particular car was in a moderate car accident, airbags deployed.
10:25
[SPEAKER_00]: It's been sitting on this lot for about 78 days.
10:28
[SPEAKER_00]: Anything passed about 45 days.
10:30
[SPEAKER_00]: The car, the car lights got to start paying interest on it, because what they do is they take out a line of credit.
10:36
[SPEAKER_00]: And so you don't pay, they take out a line of credit to buy the cars from us.
10:41
[SPEAKER_00]: And if it sits there past a certain amount of time, average about 60 days, you got to start paying daily interest on that car.
10:47
[SPEAKER_00]: So that's in my benefit.
10:49
[SPEAKER_00]: Number two, well, because it has a car facts on it.
10:54
[SPEAKER_00]: And it's been sitting here for a while.
10:56
[SPEAKER_00]: I was in a position to honestly negotiate.
10:58
[SPEAKER_00]: I bought a 2024, washes a 2024, range rover, with 2000 miles on it, with bumper to bumper warranty for $50,000.
11:10
[SPEAKER_00]: A car that the MSRP was $120,000.
11:17
[SPEAKER_00]: Pay cash for it.
11:18
[SPEAKER_00]: No monthly payments.
11:21
[SPEAKER_00]: It has some depreciation, but I'm cool with it because I mean, I got pretty much a brand new car who ever fixed this car than a phenomenal job because before I purchased it, I took it to Range Rover, had them do a eight point new car inspection.
11:39
[SPEAKER_00]: They came back to me and said, hey, you need about $2,800 a work.
11:42
[SPEAKER_00]: I said, all right, cool, the dealership gave me some of that money because it's a great dealership.
11:50
[SPEAKER_00]: So now I'm driving the car.
11:52
[SPEAKER_00]: Now watch this, most people watching this, but rather go buy a brand new car, depreciating value, and spend all their money when I was willing to do the research, negotiate, and find the car that nobody wants, but now I'm driving a brand new car for 50% of what it was worth, 2,500 miles ago.
12:21
[SPEAKER_00]: Look, added to my insurance, and because the car is much cheaper than my other cars, my insurance payment did not even go up $90,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000,000
12:50
[SPEAKER_00]: And if it's been in the accident, it just push you in the position to negotiate better.
12:55
[SPEAKER_00]: But some of y'all said, but Anthony, when I go to trade it in, see that's the thing.
12:59
[SPEAKER_00]: I bought this car for so cheap that I plan on riding this thing to the wheels fall off.
13:04
[SPEAKER_00]: And by the time I trade it in, the accident is not going to matter.
13:07
[SPEAKER_00]: Because I bought it so good.
13:09
[SPEAKER_00]: I wasn't in the rush.
13:10
[SPEAKER_00]: I'm not penny-neintress on it.
13:19
[SPEAKER_00]: Now I get to sit my other cars and chill in and enjoy.
13:23
[SPEAKER_00]: Remember, every dollar that you save on car payments, that goes into your high-o-saving account, that goes back into your pocket.
13:32
[SPEAKER_00]: This position is you to win.
13:35
[SPEAKER_00]: I'm not an average person making average decisions.
13:39
[SPEAKER_00]: I'm willing to do what the average person is not, willing to do to save money.
13:44
[SPEAKER_00]: And watch this, if you see the car, you wouldn't even know that it was an accident.
13:49
[SPEAKER_00]: If you drive the car, you can't even tell that it was an accident.
13:54
[SPEAKER_00]: This is not about being cheap.
13:56
[SPEAKER_00]: This is about being wise.
13:59
[SPEAKER_00]: I got a fool warranty.
14:02
[SPEAKER_00]: Do you know how many cars are in car accidents every single day and how many companies put those cars back together real good and how if you really use it to your benefit, you could be driving a real nice current up-to-date new body style car for cheap?
14:21
[SPEAKER_00]: You see, both builders have a strategy.
14:25
[SPEAKER_00]: They don't just drop the money.
14:27
[SPEAKER_00]: Here's thing number two.
14:28
[SPEAKER_00]: They number two.
14:29
[SPEAKER_00]: Brand new way of that electronics.
14:31
[SPEAKER_00]: I said it.
14:32
[SPEAKER_00]: Brand new electronics.
14:36
[SPEAKER_00]: I start brine brand new electronics every time a new model drops, y'all know what I'm talking about.
14:43
[SPEAKER_00]: Apple releases a brand new iPhone to September and said to the everybody in line, like it's a supreme drop, like it is Louis Vuitton dropping something brand new.
14:53
[SPEAKER_00]: Samsung releases a new galaxy and people are trading in perfectly good phones for a marginal upgrade.
15:00
[SPEAKER_00]: But here's the question nobody is really asking.
15:02
[SPEAKER_00]: Do you really need it?
15:05
[SPEAKER_00]: Honestly, in my younger days, when I use to upgrade my phone every single year, that's $1,200 annually for a phone that does basically, basically, they exact same things they did last year.
15:18
[SPEAKER_00]: Same with laptops and tablets and smart watches.
15:20
[SPEAKER_00]: All of it, I used to buy a new Apple Watch.
15:22
[SPEAKER_00]: I ain't bought an Apple Watch in a couple of years.
15:25
[SPEAKER_00]: But here's something.
15:27
[SPEAKER_00]: Most people don't know.
15:28
[SPEAKER_00]: According to 2024 industry data, Americans are now keeping their smartphones for an average of 3.5 to 3.7 years.
15:36
[SPEAKER_00]: The longest upgrade cycle ever recorded.
15:39
[SPEAKER_00]: You know why?
15:40
[SPEAKER_00]: Because people are now starting to finance the phones.
15:43
[SPEAKER_00]: even Verizon reported that the customers are holding onto their phones for over 42 months.
15:49
[SPEAKER_00]: That's three and a half years, right?
15:53
[SPEAKER_00]: The industry is shifting and now you can finance these phones.
16:00
[SPEAKER_00]: The difference between, let's say, an iPhone 13 and an iPhone 15 is very small for most users.
16:07
[SPEAKER_00]: The cameras are slightly better.
16:09
[SPEAKER_00]: The processes are slightly faster, but for everyday use, you really can't tell the difference.
16:15
[SPEAKER_00]: So now, I did get the upgrade on this one because my last upgrade was three years ago.
16:22
[SPEAKER_00]: So I'm not saying, do not upgrade.
16:24
[SPEAKER_00]: What I'm saying is, when you do make the upgrade, makes sure that you feel that $1,200 difference.
16:33
[SPEAKER_00]: Period.
16:38
[SPEAKER_00]: I buy a new iPhone every three years.
16:40
[SPEAKER_00]: And honestly, I can probably stretch it to four.
16:44
[SPEAKER_00]: I'm being honest.
16:46
[SPEAKER_00]: The phone, before I got this latest one, it was working perfectly fine.
16:50
[SPEAKER_00]: It text, it made phone calls, it ran all my apps, the camera was decent, right?
16:56
[SPEAKER_00]: I got a camera crew, I don't need cameras, what more do I need?
17:02
[SPEAKER_00]: And when I do upgrade, I don't always buy the latest model, I haven't.
17:06
[SPEAKER_00]: I haven't.
17:08
[SPEAKER_00]: Sometimes I buy the last model, and I get 30% to 40% discount.
17:12
[SPEAKER_00]: Nobody really knows the difference, and I save hundreds and hundreds of thousand dollars.
17:18
[SPEAKER_00]: Same thing with laptops and computers.
17:20
[SPEAKER_00]: I used to buy a brand new MacBook Pro every year to be honest with you because I wanted the latest and the greatest, but you know what?
17:27
[SPEAKER_00]: a three-year-old MacBook runs just as well for what I needed to do.
17:32
[SPEAKER_00]: So now I buy refurbish or last year's model at significant discounts.
17:37
[SPEAKER_00]: This is a refurbish, refurbish, not even a MacBook Pro.
17:41
[SPEAKER_00]: This is the MacBook Air.
17:43
[SPEAKER_00]: super cheap refurbished a butterfly 600 600 700 bucks.
17:46
[SPEAKER_00]: All right.
17:48
[SPEAKER_00]: Let me give you the math.
17:49
[SPEAKER_00]: If you're upgrading your phone every year at $1200 per upgrade That's a $1200 that's $1200 annually and in a new laptop every two years to say for an example at $1500 and you're spending about 1950 per year in electronics, all right?
18:05
[SPEAKER_00]: But if you stretch your your phone upgrade cycle to every three years and you laptop to every four years and you end your electronic spending drops to about seven hundred and seventy five dollars per year that's a one thousand one hundred seven five dollars per year over eighteen months that's seventeen close to seventeen hundred dollars saved.
18:25
[SPEAKER_00]: But here's what I actually saved.
18:28
[SPEAKER_00]: Unplett is.
18:30
[SPEAKER_00]: Here's where I actually saved more.
18:32
[SPEAKER_00]: I stopped buying other electronics, and possibly, no more new tablets, no more new smart home devices I don't need, no more upgraded my TV every few years, so I haven't bought a TV in almost seven years.
18:44
[SPEAKER_00]: I still have my iPad from like four years ago.
18:47
[SPEAKER_00]: Like I have literally stopped buying E-light tronics.
18:52
[SPEAKER_00]: When I added it all up, I saved approximately $2,400 over 18 months by being intentional with the electronic purchases.
19:00
[SPEAKER_00]: And here's the truth.
19:02
[SPEAKER_00]: Nobody at the copy coffee shop knows if you have an iPhone 15 or 13.
19:07
[SPEAKER_00]: Nobody at your job cares if your laptop is from 2024, 2022.
19:14
[SPEAKER_00]: And it's beyond us, do they even notice?
19:17
[SPEAKER_00]: And if they do notice, honestly, they need to get a frequent life.
19:21
[SPEAKER_00]: At the end of the day, your iPhone, your laptops, is a tool, right?
19:25
[SPEAKER_00]: Stop treating them like his status symbols and start treating them like what they are.
19:30
[SPEAKER_00]: Tools that shit lasts as long as possible.
19:35
[SPEAKER_00]: Thing number three.
19:40
[SPEAKER_00]: Y'all gonna be upset.
19:42
[SPEAKER_00]: Ed, they're gonna be upset with this one.
19:45
[SPEAKER_00]: I make it counsel for this one.
19:47
[SPEAKER_00]: I make it counsel.
19:50
[SPEAKER_00]: I quit door dash and Uber eats.
19:53
[SPEAKER_00]: I know.
19:54
[SPEAKER_00]: I know some of y'all are about the click off this video right now, but hold on, hear me out.
20:02
[SPEAKER_00]: Because the math on this one doesn't make sense.
20:07
[SPEAKER_00]: The math that you're spending on DoorDash and UberEase and Grubhub, it doesn't make sense.
20:13
[SPEAKER_00]: Listen, I get it.
20:13
[SPEAKER_00]: You're tired.
20:14
[SPEAKER_00]: You've been working all day.
20:16
[SPEAKER_00]: You don't feel like cooking.
20:17
[SPEAKER_00]: You don't need to feel like getting out your car.
20:20
[SPEAKER_00]: You just want some Chipotle delivered to your house.
20:24
[SPEAKER_00]: It's convenient.
20:25
[SPEAKER_00]: While you're driving home, you can have your food driving home to you too.
20:28
[SPEAKER_00]: It is convenient.
20:31
[SPEAKER_00]: but let me show you what really happens when you order food online.
20:37
[SPEAKER_00]: You order a $12 barrito from Chipotle.
20:41
[SPEAKER_00]: Sounds reasonable, right?
20:42
[SPEAKER_00]: So that's what we're going to spend.
20:44
[SPEAKER_00]: But here's what most people don't know.
20:46
[SPEAKER_00]: Both Door Dash and Uber E's markup menu prices by an average of 15 to 20% before you even see the delivery fees.
20:56
[SPEAKER_00]: So that $12 barrito,
20:58
[SPEAKER_00]: It's already $14, but let's say about $0.40 on the app before they even add anything else.
21:04
[SPEAKER_00]: Then you add on a $3.99-cent delivery fee.
21:09
[SPEAKER_00]: Then the service fee, usually another $2 to $3.
21:12
[SPEAKER_00]: Then the small order fee, if you're not spending enough, and then you're expected to tip the driver anywhere between 15 to 20%.
21:21
[SPEAKER_00]: So by the time you're done, that $12 burrito
21:29
[SPEAKER_00]: $27.
21:30
[SPEAKER_00]: You just paid double what you would have paid if you just would have stopped by there on the way home or got on lazy behinds in the car and spent $2 on gas and the spite he's insane cause Americans are spending more on food delivery than ever, which is exactly why these companies keep raising the price
21:52
[SPEAKER_00]: They know you'll pay anything for convenience, because convenience is addictive, and I'm addicted to it, I am with you.
22:04
[SPEAKER_00]: But here's what convenience is really costing you.
22:07
[SPEAKER_00]: If you're ordering food delivery, DoorDash, some might have three to four times a week, which is pretty common.
22:14
[SPEAKER_00]: You're spending about $350 to $400 a month.
22:18
[SPEAKER_00]: that's $4,200 and $4,800 a year on food delivery.
22:27
[SPEAKER_00]: What's going to happen, I want to thank my friends who had doubtfully for sponsoring today's stuff.
22:32
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22:38
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22:46
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22:50
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23:17
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23:19
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23:21
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23:24
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23:25
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23:30
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23:32
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23:35
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23:45
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23:56
[SPEAKER_00]: Now I'm not saying never eat out.
23:58
[SPEAKER_00]: I'm not even saying you can't enjoy restaurant food.
24:02
[SPEAKER_00]: I'm just saying stop being lazy because it's impacting your money.
24:07
[SPEAKER_00]: If you want to put late, get in your car and go get it.
24:12
[SPEAKER_00]: He'll take you 10 to 15 minutes.
24:14
[SPEAKER_00]: and you'll save 10 to 15 hours per order.
24:18
[SPEAKER_00]: The food honestly will be hotter.
24:21
[SPEAKER_00]: You know no one didn't think to you food and you'll get exactly what you'd ordered.
24:26
[SPEAKER_00]: And on top of that you wanna save you thousands of dollars a year.
24:32
[SPEAKER_00]: Or better yet, I know this is gonna be the extreme radical side.
24:37
[SPEAKER_00]: Cook it home.
24:40
[SPEAKER_00]: Mill prep on Sundays.
24:42
[SPEAKER_00]: It may take you two hours.
24:44
[SPEAKER_00]: Man, get your lady, get your man, get your kids, and man, y'all getting their turn on some music, turn on the football game, turn on the basketball game, and cook, and cook.
24:56
[SPEAKER_00]: You'll save even more of your money.
24:59
[SPEAKER_00]: You'll eat healthier, and you'll have more control over what you're putting in your body.
25:04
[SPEAKER_00]: Here's what I did.
25:06
[SPEAKER_00]: I went viral on Instagram like some time last year because I showed the price of me ordering something off of door dash that typically it was like a burger from one of my favorite burger spots and it was literally almost three times double.
25:22
[SPEAKER_00]: Right then I cut my food delivery spending from about $300 a month, $300 a month to maybe about $25 a month.
25:31
[SPEAKER_00]: I still do order delivery occasionally.
25:34
[SPEAKER_00]: I'm not going to see her a lot of you all.
25:35
[SPEAKER_00]: I'm not a robot, but I do it as a treat, not as a default.
25:40
[SPEAKER_00]: That's $300 a month back into my high-o savings.
25:44
[SPEAKER_00]: Over the last quarter, 18 months, that's $5,400 saved just by getting off my couch, or on my way home, stop and buy to pick up my food.
25:55
[SPEAKER_00]: And here's the bonus.
25:56
[SPEAKER_00]: When I started cooking more, I lost weight, go.
25:59
[SPEAKER_00]: because I started eating better.
26:01
[SPEAKER_00]: I started buying fish.
26:02
[SPEAKER_00]: I started buying more veggies.
26:04
[SPEAKER_00]: I felt better.
26:06
[SPEAKER_00]: I had more energy.
26:08
[SPEAKER_00]: So not only did I save money, but also y'all I improved.
26:11
[SPEAKER_00]: Y'all see my stomach.
26:12
[SPEAKER_00]: Y'all see my face.
26:13
[SPEAKER_00]: I was slim down.
26:14
[SPEAKER_00]: Go look at my previous pictures.
26:15
[SPEAKER_00]: I've been eating much better.
26:18
[SPEAKER_00]: I've been juicing at home.
26:19
[SPEAKER_00]: I picked up my groceries.
26:21
[SPEAKER_00]: And let me tell y'all something, man.
26:22
[SPEAKER_00]: What are your groceries online having delivered to you?
26:25
[SPEAKER_00]: I do that here and there, but there are certain things I just will not allow Instacart to deliver for me, because I gotta pick it right.
26:32
[SPEAKER_00]: Look, I notice when he's different because food delivery feels like a small thing.
26:38
[SPEAKER_00]: It's just $25 here, $30 here, but those small things add up to masses of mounts over time.
26:44
[SPEAKER_00]: Stop it, yo.
26:45
[SPEAKER_00]: Stop.
26:46
[SPEAKER_00]: Trust me.
26:47
[SPEAKER_00]: I promise you, you're going to thank me later.
26:52
[SPEAKER_00]: All right, thank you number four, Jerry.
26:56
[SPEAKER_00]: I stopped by and Jerry.
26:59
[SPEAKER_00]: And this was personal.
27:03
[SPEAKER_00]: I used to buy some, actually I've only purchased one expensive watch, my entire life.
27:08
[SPEAKER_00]: I have my chain A and I actually have a lot of you all don't know this, but actually I have the O to as well and sometimes I wear it here and here to certain events, but he's a bi-expensive stuff man, all of it, I got a Rolex chain designer pieces, I spent thousands of dollars in jury over the years.
27:34
[SPEAKER_00]: And if I'm being real with you, it really wasn't just solely because I loved it.
27:38
[SPEAKER_00]: It was just like, man, a lot of people who were in my space had a Rolex.
27:44
[SPEAKER_00]: And to be honest with you, I'm not a huge watch enthusiast.
27:48
[SPEAKER_00]: Or because I appreciate fine craftsmanship.
27:51
[SPEAKER_00]: I know.
27:53
[SPEAKER_00]: It was because I saw my friends do it.
27:55
[SPEAKER_00]: I liked it.
27:56
[SPEAKER_00]: Ah, man, it's a statusal symbol.
27:57
[SPEAKER_00]: I'm just being honest with you.
28:01
[SPEAKER_00]: I said, well, I got to get one, you know, I've reached this level, I got to get one.
28:06
[SPEAKER_00]: And don't get me twisted.
28:07
[SPEAKER_00]: I love my chain and I love my Rolex, but I haven't going back and purchase anything else.
28:15
[SPEAKER_00]: Because here's what I've learned.
28:17
[SPEAKER_00]: Status doesn't pay the mortgage.
28:19
[SPEAKER_00]: Status doesn't build generational wealth.
28:22
[SPEAKER_00]: Status is just expensive in security.
28:29
[SPEAKER_00]: And the jury industry knows this.
28:32
[SPEAKER_00]: The global luxury jury market was worth 32.2 billion dollars in 2024.
28:38
[SPEAKER_00]: And you know what's interesting?
28:40
[SPEAKER_00]: while the overall luxury goods market actually shrank, jury sales, they flat or grew very slightly.
28:48
[SPEAKER_00]: You know why?
28:49
[SPEAKER_00]: Because people are still buying jury for status, not because they needed, not because they, I wouldn't say even desire it, but because they want to look successful.
29:02
[SPEAKER_00]: Not look good, but look successful.
29:05
[SPEAKER_00]: They're not beyond switching.
29:07
[SPEAKER_00]: I used to be one of those.
29:09
[SPEAKER_00]: And if you all know this out, sometimes I wear my watch, sometimes I won't wear my watch.
29:14
[SPEAKER_00]: Like I'm starting to buy stuff like this.
29:17
[SPEAKER_00]: You know, this is, I got this from Africa, I had on backwards.
29:20
[SPEAKER_00]: I got this from Africa, this was 10 bucks.
29:23
[SPEAKER_00]: And this means more to me than my goal chain.
29:26
[SPEAKER_00]: Because this reminds me of my culture and my heritage and my name in Ghana.
29:34
[SPEAKER_00]: This values more to me.
29:38
[SPEAKER_00]: Now, I love my necklace because it represents my name.
29:41
[SPEAKER_00]: A.O.
29:42
[SPEAKER_00]: also people call me, but I realize that jury is more of a feeling and will you buy it, you're buying a feeling, you're not really buying a product, and that feeling is honestly temporary.
29:55
[SPEAKER_00]: You buy the watch, you feel good for a week.
29:59
[SPEAKER_00]: maybe even for a month.
30:00
[SPEAKER_00]: Heck, maybe even for a few months.
30:02
[SPEAKER_00]: Then you see someone with a nicer watch or a nicer piece of jury.
30:05
[SPEAKER_00]: And suddenly yours doesn't feel special anymore.
30:09
[SPEAKER_00]: So now you want to go buy another one, just to feel like that.
30:13
[SPEAKER_00]: And that cycle never ends.
30:16
[SPEAKER_00]: And I was like, oh, I'm not doing this.
30:18
[SPEAKER_00]: So I stopped.
30:20
[SPEAKER_00]: I kept a few pieces.
30:21
[SPEAKER_00]: That actually means something to me.
30:23
[SPEAKER_00]: That was my first piece of jury that I paid for cash.
30:28
[SPEAKER_00]: Love it.
30:29
[SPEAKER_00]: I will always have it.
30:30
[SPEAKER_00]: And I will rock that thing until it scratched up while I ain't going to scratch it.
30:33
[SPEAKER_00]: Be honest with you.
30:34
[SPEAKER_00]: I ain't gonna do that, all right.
30:36
[SPEAKER_00]: But I probably would never buy me a Rolex ever again.
30:40
[SPEAKER_00]: I probably never would.
30:41
[SPEAKER_00]: I probably, there is one more chain that I want to buy.
30:43
[SPEAKER_00]: I forgot the name of it.
30:45
[SPEAKER_00]: It's a little shorter.
30:46
[SPEAKER_00]: But I'm not really in a jury.
30:48
[SPEAKER_00]: I don't wear rings.
30:49
[SPEAKER_00]: I only know big fat ring around me.
30:51
[SPEAKER_00]: Like, you know, no.
30:54
[SPEAKER_00]: No.
30:55
[SPEAKER_00]: But you know what?
30:56
[SPEAKER_00]: Nobody really has even cared that I don't have jury like that.
31:04
[SPEAKER_00]: I were the same piece every single show and everything like people.
31:07
[SPEAKER_00]: I've never seen a complaint.
31:09
[SPEAKER_00]: Oh my God, he needs new jewelry.
31:12
[SPEAKER_00]: And if they, and if I have any friends with all my guys, they're not real friends.
31:18
[SPEAKER_00]: They're, they're not real friends, they're, they're, they're now, they're not.
31:27
[SPEAKER_00]: At the end of the day, when it comes to jury, jury is a terrible investment.
31:33
[SPEAKER_00]: Unless you're buying like rare, collectible pieces at auctions, jury loses value the moment you buy it.
31:39
[SPEAKER_00]: That 5,000 on the watch you bought, try to sell it today, guarantee you, you may get $2,500, $3,000 if you're like you.
31:47
[SPEAKER_00]: So not only are you spending money, you don't need to spend your losing money on a purchase itself.
31:53
[SPEAKER_00]: Now I'm not saying, I want to be very clear, I'm not saying never by jury, because if you love jury, if it brings you with genuine joy, I would say, if you can afford it without going into debt and
32:08
[SPEAKER_00]: But be honest with yourself about why you're buying it.
32:12
[SPEAKER_00]: Are you buying it because you love it?
32:15
[SPEAKER_00]: Or are you buying it because you went other people to think you're successful?
32:20
[SPEAKER_00]: I'm seeing these new bracelets come out.
32:22
[SPEAKER_00]: I forgot the name of them.
32:23
[SPEAKER_00]: I'm not knocking them, but everyone's getting them because I believe everyone has them.
32:29
[SPEAKER_00]: I'm like, I'm not doing it.
32:30
[SPEAKER_00]: Just because I see everyone else getting it.
32:32
[SPEAKER_00]: And I don't know if I want flowers wrapped around my hands.
32:39
[SPEAKER_00]: I went wealth and watch this because I'm telling the six things that I have not bought, but I told you all that I have exotic cars, right?
32:47
[SPEAKER_00]: What I'm saying is, man, I'm buying the things that I desire, but things that I want, things that I like, things that when I buy it, I feel good about me, not because they, they make me feel good because I can say I got one, too.
33:04
[SPEAKER_00]: So I want to challenge you, taking on this look at your recollection.
33:08
[SPEAKER_00]: How much of it did you buy for status?
33:10
[SPEAKER_00]: How much did you buy?
33:11
[SPEAKER_00]: How much of it did you buy to blend in?
33:15
[SPEAKER_00]: Are you really wearing it?
33:17
[SPEAKER_00]: I see ladies buying clothes that they wear one time and then sell it on Instagram.
33:25
[SPEAKER_00]: I'm not knocking you.
33:27
[SPEAKER_00]: I'm like, why would you buy something?
33:28
[SPEAKER_00]: Why would you spend $2,000 for something and wear one time because there's been on the ground, man, please.
33:34
[SPEAKER_00]: Man, please.
33:36
[SPEAKER_00]: I'm wearing that thing again.
33:38
[SPEAKER_00]: And I'm a post on the gram again.
33:41
[SPEAKER_00]: I don't care about y'all.
33:44
[SPEAKER_00]: I don't care.
33:44
[SPEAKER_00]: Don't care.
33:46
[SPEAKER_00]: I know.
33:50
[SPEAKER_00]: There's Lee's been in number five.
33:51
[SPEAKER_00]: We got two more.
33:52
[SPEAKER_00]: Stay with me.
33:52
[SPEAKER_00]: Subscriptions.
33:53
[SPEAKER_00]: I'm trying to get these last two real quick.
33:55
[SPEAKER_00]: I cut out unnecessary subscriptions.
33:58
[SPEAKER_00]: And this one sneaks up on all of us, because on $10 here, $15 there, but let me show you how fast it's as up.
34:07
[SPEAKER_00]: Let me ask you something.
34:09
[SPEAKER_00]: How many streamers services do you have right now?
34:12
[SPEAKER_00]: Netflix, Hulu, Disney, HBO Max, Apple TV, Amazon Prime, P.C., Paramount Plus, Spotify, YouTube Premium.
34:21
[SPEAKER_00]: I honestly could keep going on.
34:24
[SPEAKER_00]: Tudy.
34:29
[SPEAKER_00]: get this.
34:30
[SPEAKER_00]: The average American household has about three streaming subscriptions in 2024.
34:36
[SPEAKER_00]: But here's a crazy part.
34:38
[SPEAKER_00]: A study found that 85% of people have at least one to two pay subscriptions.
34:44
[SPEAKER_00]: They're not even using every single month.
34:47
[SPEAKER_00]: That's money going out the freaking door for services you forgot you even had.
34:53
[SPEAKER_00]: And Americans are spending on average of $42 per month on streaming alone.
34:59
[SPEAKER_00]: That's why we're $500 a year on entertainment.
35:02
[SPEAKER_00]: You're probably not even watching half the time.
35:05
[SPEAKER_00]: But it's not just streaming.
35:06
[SPEAKER_00]: It's gym memberships that you don't use.
35:08
[SPEAKER_00]: It's app subscriptions you forgot about.
35:11
[SPEAKER_00]: It subscriptions boxes you don't need.
35:13
[SPEAKER_00]: It's software subscriptions that auto renew every single year.
35:18
[SPEAKER_00]: So what I did about 18 months ago, I did an audit.
35:21
[SPEAKER_00]: I went through my bank statements and credit card statements for the last three months and I highlighted every single recurring charge, every subscription, every membership, every auto renewal.
35:33
[SPEAKER_00]: And then I asked myself two questions for each one.
35:36
[SPEAKER_00]: Am I actually using this number one?
35:38
[SPEAKER_00]: Number two, does this add value to my life?
35:41
[SPEAKER_00]: And if the answer to either question was no, I counseled it immediately.
35:47
[SPEAKER_00]: If even one of them got to know, I canceled it.
35:52
[SPEAKER_00]: Here's what I found.
35:53
[SPEAKER_00]: I had Netflix, Hulu, Disney Plus, HBO's HBO Max, Apple TV Plus.
35:58
[SPEAKER_00]: That's five streaming services.
36:00
[SPEAKER_00]: I was paying about $75 a month.
36:02
[SPEAKER_00]: When I looked at my viewing history, I was only really regularly using Netflix and Hulu because I used Hulu for TV, right?
36:10
[SPEAKER_00]: And Apple TV Plus.
36:12
[SPEAKER_00]: The other two or three, I watched them maybe once every month and a half, two months when a show came out that I dropped.
36:20
[SPEAKER_00]: So I cut down.
36:22
[SPEAKER_00]: I cut him and I haven't missed the other ones at all if I'm being very honest with you.
36:29
[SPEAKER_00]: If there's a show that I really want to watch on another platform, I'll subscribe for one month, bench to show and cancel it.
36:36
[SPEAKER_00]: I'm not paying $15 a month for services.
36:39
[SPEAKER_00]: I do not use, and I got the money, and I wouldn't miss it, but I will miss it if it makes sense.
36:44
[SPEAKER_00]: Because I don't want to throw away money.
36:47
[SPEAKER_00]: It is that mentality, oh, it's just 15 bucks, is that that's the mentality that gets us into the financial struggles that we have.
36:58
[SPEAKER_00]: I also had a gym membership years ago.
37:00
[SPEAKER_00]: I was like, why don't have a gym membership when I have a home gym?
37:03
[SPEAKER_00]: I cancel that, because I thought I was gonna work out with friends or friends coming to town.
37:08
[SPEAKER_00]: They wanna go out there, I can go work out there with them.
37:10
[SPEAKER_00]: No, I'm not a counselor.
37:12
[SPEAKER_00]: If I got to go to a gym with some friends, I'm just gonna pay for a buddy pass or a day pack.
37:16
[SPEAKER_00]: So when I go, I'm not wasting money.
37:23
[SPEAKER_00]: Not.
37:24
[SPEAKER_00]: I saved another $20 a month because I cut out some productivity apps.
37:32
[SPEAKER_00]: I had a grooming for my hair, for my skin, for some clothes, a box that will come every single month.
37:40
[SPEAKER_00]: It's like $30 a month.
37:41
[SPEAKER_00]: Canceled.
37:43
[SPEAKER_00]: Canceled.
37:47
[SPEAKER_00]: Don't even do it.
37:50
[SPEAKER_00]: Hmm.
37:51
[SPEAKER_00]: Canceled.
37:53
[SPEAKER_00]: When I added it all up, I was spending about $107 a month on subscriptions.
37:58
[SPEAKER_00]: After my audit, I cut that down to $40 a month.
38:03
[SPEAKER_00]: That's $130 back in my account, back into my high-year savings.
38:08
[SPEAKER_00]: Over 18 months, that's $2,340 saved.
38:13
[SPEAKER_00]: But here's what really opened my eyes.
38:16
[SPEAKER_00]: Most subscriptions were things I signed up for with good intentions.
38:20
[SPEAKER_00]: I was going to use a gym.
38:22
[SPEAKER_00]: I was going to watch all the shows.
38:23
[SPEAKER_00]: I was going to use the productivity apps.
38:25
[SPEAKER_00]: But I didn't.
38:27
[SPEAKER_00]: And the companies know this.
38:29
[SPEAKER_00]: They're counting on you signing up and forgetting all about it.
38:32
[SPEAKER_00]: Forget that you're paying for it.
38:33
[SPEAKER_00]: They don't care if you watch it or not.
38:34
[SPEAKER_00]: I use it or not.
38:35
[SPEAKER_00]: They just want you a money.
38:38
[SPEAKER_00]: They just want you a money.
38:39
[SPEAKER_00]: But $10 here, $15 there.
38:46
[SPEAKER_00]: Here's what I want you to do.
38:48
[SPEAKER_00]: Pull out your phone, open your banking app, take some screenshots.
38:52
[SPEAKER_00]: And then I ain't got time, cool, great.
38:54
[SPEAKER_00]: Download the three months uploaded chat, GPT, tell chat, GPT, to highlight recurring payments that have come out every single month.
39:02
[SPEAKER_00]: And it will tell you, hey, Netflix, whole loop, this thing, that thing, then go through and ask yourself those two questions and counsel anything to A.
39:12
[SPEAKER_00]: We need to put money back into your pocket, and here's the number six.
39:17
[SPEAKER_00]: A cable and expensive cell phone plans.
39:22
[SPEAKER_00]: I ditch cable and expensive cell phone plans, y'all.
39:25
[SPEAKER_00]: And this one is a no-brainer.
39:27
[SPEAKER_00]: that most people still aren't doing.
39:30
[SPEAKER_00]: Let's start with cable.
39:31
[SPEAKER_00]: The average cable built in America in 2024 is $147 last year, right?
39:36
[SPEAKER_00]: Per month for just TV.
39:39
[SPEAKER_00]: And if you bungalow it with internet and phone, it jumps up to about $230 per month.
39:44
[SPEAKER_00]: That's why over 80 million households are expected to cut the core by 2026.
39:51
[SPEAKER_00]: People are waking up to the fact that they're paying $1,800 plus a year for channels they don't watch and commercials they do not want to see.
40:00
[SPEAKER_00]: I used to have cable.
40:02
[SPEAKER_00]: I was paying $180 a month for a package that had 300 channels, but you know how many of those channels I actually watch may be 10.
40:11
[SPEAKER_00]: So I cut the cord.
40:13
[SPEAKER_00]: I switched to Hulu Plus Live TV, right?
40:16
[SPEAKER_00]: I get all the channels I actually watch sports, news, even some of the movie channels.
40:21
[SPEAKER_00]: And I'm only paying close to $70 a month.
40:24
[SPEAKER_00]: That's less than half of what I was paying for cable.
40:27
[SPEAKER_00]: That's $103 a month saved just on TV.
40:32
[SPEAKER_00]: Over the last 18 months, as $185, $50 save and honestly, they experience this honestly better.
40:38
[SPEAKER_00]: No cable box, no DVR fees, no equipment, feet, rental fees.
40:42
[SPEAKER_00]: I can watch on my TV, my cell phone, wherever I am, my laptop, anywhere.
40:48
[SPEAKER_00]: And there's not that many commercials.
40:50
[SPEAKER_00]: I think going to how we're showing now, I may see two commercials.
40:56
[SPEAKER_00]: But let's talk about cell phones.
40:58
[SPEAKER_00]: Many average American households spend about $1300 per year on cell phone bills.
41:03
[SPEAKER_00]: That's $121 a month.
41:06
[SPEAKER_00]: But here's what the big carriers don't want you to know.
41:10
[SPEAKER_00]: In VNOs, that's mobile virtual network operators like Mint Mobile, Cricket, Metro by T-Mobile, they use the exact same towers and networks as big carriers.
41:24
[SPEAKER_00]: But they charge $30 to $80 less per month.
41:28
[SPEAKER_00]: The same service, the same covers, the same network, but you're saving hundreds of thousands a year just by switching.
41:37
[SPEAKER_00]: I used to pay $110 a month with one of the big carriers.
41:41
[SPEAKER_00]: Then I switched to Mint Mobile, same coverage, same service, but I'm only paying $30 a month, $30 a month.
41:48
[SPEAKER_00]: And when I go out of town, like I just got out of Ghana, I actually might be in Ghana.
41:54
[SPEAKER_00]: At the time we all were watching this, I just paid an extra $15 to get the international service.
42:00
[SPEAKER_00]: Haven't had a problem.
42:02
[SPEAKER_00]: That's $80 a month's save just on my bill.
42:06
[SPEAKER_00]: That's $1,400 plus saved over the last year to $8,000.
42:10
[SPEAKER_00]: Some of y'all think we're Anthony, I gotta be catch.
42:15
[SPEAKER_00]: Buy what I pay $1,000 a month if I can get the same thing for $30 a month.
42:19
[SPEAKER_00]: I don't know.
42:22
[SPEAKER_00]: I don't know.
42:24
[SPEAKER_00]: I had to ask myself the same question.
42:26
[SPEAKER_00]: That's why I switched.
42:28
[SPEAKER_00]: Again, listen, man, I want you all to think about these things.
42:33
[SPEAKER_00]: These are the six things that that that I had to switch up on, right?
42:40
[SPEAKER_00]: I had to switch up on it.
42:43
[SPEAKER_00]: I saved about 3,294 dollars over 18 months by simply getting rid of cable and by simply getting rid of the most expensive cell phone plans.
42:54
[SPEAKER_00]: I'm using the same, I'm using my phone the same way you're using your phone.
42:59
[SPEAKER_00]: I'm just paying less for it.
43:02
[SPEAKER_00]: This is the easiest money you'll save ever.
43:06
[SPEAKER_00]: No one is going to know that you're on mint mobile.
43:08
[SPEAKER_00]: You can still have the latest iPhone if you have it and be on mint mobile.
43:14
[SPEAKER_00]: Right now, building wealth and going out of the red, going into the black is all about strategy.
43:21
[SPEAKER_00]: How do we be strategic on the things that we're doing?
43:26
[SPEAKER_00]: How do we replace our money and position it differently?
43:30
[SPEAKER_00]: All right, all right, so let's add this up because I know some of you all are thinking, Anthony, there's no way you say $50,000 just from the six things.
43:39
[SPEAKER_00]: So I'm going to have Ed put these the screens, the math up on the screens.
43:43
[SPEAKER_00]: So thing number one new cars.
43:45
[SPEAKER_00]: I said about $13,500 by just simply buying.
43:49
[SPEAKER_00]: Actually, I say more than that on my range rover, but I want to be realistic with my numbers, right?
43:55
[SPEAKER_00]: So in new car, I said about $13,500.
43:58
[SPEAKER_00]: Thing number two, brand new electronics.
44:00
[SPEAKER_00]: I say right around $2400.
44:03
[SPEAKER_00]: by extending, by not extending and buying new upgrades.
44:09
[SPEAKER_00]: Being number three, DoorDash, man, I'm this is real.
44:12
[SPEAKER_00]: I say about $5,400 by simply picking up my food and not relying on convenience.
44:19
[SPEAKER_00]: Think number four, jury, I'll say it's about $5,000, by not buying extra jury.
44:25
[SPEAKER_00]: Now, honestly, I could go a little bit more, but I'm trying to be real, let's secure.
44:29
[SPEAKER_00]: Thing number five, subscriptions, I say about $2,340, and thing number six, cell phones, and cable bill, I say to write about $3,294 by switching to streaming in MV and O's.
44:46
[SPEAKER_00]: Total from these six things, about $31,33,000.
44:50
[SPEAKER_00]: Now.
44:52
[SPEAKER_00]: Mike was in Anthony, that started $2,000.
44:55
[SPEAKER_00]: That's not $50,000.
44:57
[SPEAKER_00]: Where's the other $18,000?
44:58
[SPEAKER_00]: When I'm one, I'll tell you I'm being very lenient, it's probably still in a new car, because I want to be realistic.
45:04
[SPEAKER_00]: But that's a great question.
45:06
[SPEAKER_00]: Here's what I get mentioned.
45:08
[SPEAKER_00]: When you stop wasting money on these six things, you start making better decisions with money everywhere else.
45:15
[SPEAKER_00]: I stopped doing some embossed and post buying on Amazon.
45:19
[SPEAKER_00]: I started mill prepping more consistently with saved money on groceries.
45:23
[SPEAKER_00]: I negotiated my car insurance by using my own car insurance tool.
45:27
[SPEAKER_00]: We'll put that in the show notes below.
45:29
[SPEAKER_00]: I refinanced my mortgage and saved on interest.
45:33
[SPEAKER_00]: I stopped buying expensive clothes that I didn't need.
45:38
[SPEAKER_00]: I became intentional with every single dollar.
45:42
[SPEAKER_00]: when you fix the big leaks in your budget, the small leaks become obvious, and when you plug all the leaks, the money starts to accumulate fast.
45:52
[SPEAKER_00]: That's how I got from 32,000 dollars to over 50,000 dollars and 18 months.
45:57
[SPEAKER_00]: It wasn't just those six things.
45:59
[SPEAKER_00]: It was the mindset shift that came from being intentional with my money.
46:04
[SPEAKER_00]: And here was crazy.
46:06
[SPEAKER_00]: I didn't feel the pride.
46:08
[SPEAKER_00]: I didn't feel like I was missing on anything.
46:11
[SPEAKER_00]: I didn't feel like I was sacrificing.
46:12
[SPEAKER_00]: No, I felt empowered.
46:14
[SPEAKER_00]: I felt like I was in control of my money.
46:16
[SPEAKER_00]: I felt like I was finally making money, worked for me and set up for working for money.
46:20
[SPEAKER_00]: I felt like, man, I'm really downing in more.
46:25
[SPEAKER_00]: And that's the real benefit of this approach.
46:27
[SPEAKER_00]: It's not just about money, you say it.
46:30
[SPEAKER_00]: It's about the freedom that you gain.
46:31
[SPEAKER_00]: It's about the interest now that you gain.
46:33
[SPEAKER_00]: It's set up for paying out interest.
46:35
[SPEAKER_00]: You're seeing your money come back with more interests.
46:38
[SPEAKER_00]: And remember,
46:40
[SPEAKER_00]: are the money that I saved.
46:41
[SPEAKER_00]: I put that money inside of Ohio saves account.
46:44
[SPEAKER_00]: That's now earning me 45% a year.
46:47
[SPEAKER_00]: That's actually $22, $2,300 a year and passive income just from my savings.
46:55
[SPEAKER_00]: Listen.
46:57
[SPEAKER_00]: We're done with the show.
46:59
[SPEAKER_00]: Go to www.anthenerio.com for us to ask savings, open up the highest savings account, and be strategic.
47:05
[SPEAKER_00]: These are my six things.
47:07
[SPEAKER_00]: If you've made it to the end of this show, let me know in the comments what?
47:12
[SPEAKER_00]: Give me one thing you're cutting out.
47:14
[SPEAKER_00]: Going into 2026, that's going to put somebody in your pocket.
47:18
[SPEAKER_00]: Shaboy, I can know now.
47:19
[SPEAKER_00]: I'll see you in the next show.
47:20
[SPEAKER_00]: Peace out.