Latest / The Table with Anthony ONeal / Index Funds vs. Individual Stocks: Why I Changed My Investment Strategy in 2026

Transcript

Index Funds vs. Individual Stocks: Why I Changed My Investment Strategy in 2026 · The Table with Anthony ONeal

0:00
[SPEAKER_00]: Family, I used to think I was real smart with money, especially when I got into the financial world.
0:05
[SPEAKER_00]: And then I quickly realized that I wasn't.
0:08
[SPEAKER_00]: I used to sit up in my beds, scrolling the stock gaps at midnight, thinking I was one good pick.
0:14
[SPEAKER_00]: One good stock away from changing my whole financial situation.
0:18
[SPEAKER_00]: And what I want to tell you exactly, the one mistake that caused me a lot, and exactly
0:29
[SPEAKER_00]: The way I used to invest back in a day looks totally different from what I am doing today.
0:35
[SPEAKER_00]: And if you're still investing the old way, if you're still stuck in the old way of doing things, today's episode is going to save you a lot of money, a lot of stress, and watch this a lot of time.
0:48
[SPEAKER_00]: Now listen, this is not a story about me.
0:51
[SPEAKER_00]: It would be ever opened up a trading app seen a stock climbing and thought, let me throw a couple of hundred dollars or let me just throw $50 at this real quick.
1:02
[SPEAKER_00]: I need you to hear me on this.
1:04
[SPEAKER_00]: If you've got money sitting in the account right now, you genuinely don't know why you picked what you picked.
1:12
[SPEAKER_00]: I need you to hear today's episode.
1:14
[SPEAKER_00]: And if you've been putting off investing all together because it feels complicated, it feels risky.
1:19
[SPEAKER_00]: I may feel like something smart people do only today's episode is especially for YouTube because here is the truth.
1:30
[SPEAKER_00]: How you invest matters more than when you start to invest.
1:35
[SPEAKER_00]: And I had to relearn that the hard way, that how I am investing matters way more than how much I'm investing.
1:46
[SPEAKER_00]: So here's where we're going to be doing for the next 30 minutes.
1:49
[SPEAKER_00]: Give me 25 minutes, I was saying.
1:51
[SPEAKER_00]: I'm going to show you the mistake I made with individual stocks.
1:55
[SPEAKER_00]: I'm going to show you the moment that flipped a switch with my brain, I was saying.
2:02
[SPEAKER_00]: I'm also going to tell you exactly why I moved my own money to a different platform, investing platform to be specific and what that actually changed for me.
2:12
[SPEAKER_00]: Then I'm going to give you the math.
2:15
[SPEAKER_00]: I should probably put my thing on me.
2:17
[SPEAKER_00]: All right, I'm going to give you the real numbers that made boring investing make more sense to me than exciting investing ever did and I'm going to close it out with the exact five step system.
2:32
[SPEAKER_00]: I use today.
2:33
[SPEAKER_00]: So you can copy it before this video ends.
2:38
[SPEAKER_00]: But before I get to any of that, I got to take you back to the mistake that started.
2:43
[SPEAKER_00]: I would say all of this and that it inspired today's episode.
2:49
[SPEAKER_00]: Let's say a while back, I'm about to share with you my age.
2:52
[SPEAKER_00]: I purchased stock and a company called Blackberry.
2:57
[SPEAKER_00]: I don't know Ed team and we could put a picture up of a black bearer.
3:00
[SPEAKER_00]: But now if you're under 30 years old, you might not even know what a black bearer is.
3:05
[SPEAKER_00]: But at one point, that was the phone.
3:09
[SPEAKER_00]: Everyone had one.
3:10
[SPEAKER_00]: If you were an entrepreneur or a business person, every entrepreneur had one on their hip like it was a badge.
3:19
[SPEAKER_00]: And I'm talking about, we had a case we could put the phone inside that we would have on the side of our hip
3:31
[SPEAKER_00]: And I used to think, like, yo, this company is never going anywhere.
3:35
[SPEAKER_00]: This is a smart buy.
3:38
[SPEAKER_00]: So I put money in it, felt good internally.
3:43
[SPEAKER_00]: But like I had figured something out that other people had.
3:49
[SPEAKER_00]: You already know where this is going, because half of you all watching right now has never even heard of a blackberry.
3:57
[SPEAKER_00]: Because all of this sudden, your phone came out.
4:01
[SPEAKER_00]: the evil.
4:03
[SPEAKER_00]: The world moved on, and that stock I felt so confident about, it just died, and I lost real money.
4:14
[SPEAKER_00]: Not because I was reckless, but because I thought picking one company I liked was the same thing as building wealth, and it's not the same thing.
4:31
[SPEAKER_00]: but I only had one of them.
4:35
[SPEAKER_00]: I didn't know how to build wealth, but I liked Blackberry.
4:41
[SPEAKER_00]: And here's the lesson I want you to take from that, because this is the whole reason this episode exists today.
4:49
[SPEAKER_00]: When you invest in individual stocks, you're betting that you know something that entire market doesn't.
4:58
[SPEAKER_00]: You're betting against professional analysis, hedge funds, and even the algorithms.
5:06
[SPEAKER_00]: People whose entire job every single day is to know more than you about that one company.
5:15
[SPEAKER_00]: I wasn't in a game.
5:16
[SPEAKER_00]: I was just a guy who liked his blackberry phone.
5:21
[SPEAKER_00]: And that mistake number one.
5:28
[SPEAKER_00]: I would say I had to unlearn that, but it wasn't the only thing that shifted for me.
5:36
[SPEAKER_00]: The second thing was watching how I actually treated the money, I was investing.
5:42
[SPEAKER_00]: And that's where it gets a little vulnerable and a little emotional and a little embarrassing if I'm being honest.
5:53
[SPEAKER_00]: So even after the black, even after the blackberry lesson, I still had this idea that investing required me to be smart every single day, checking the market, timing buys, trying to catch the dip.
6:06
[SPEAKER_00]: And to be honest with you all, it was exhausting.
6:08
[SPEAKER_00]: And honestly, it made me nervous about my own money instead of confident with my own money.
6:15
[SPEAKER_00]: If I'm working every single day, not a five, I should be confident about what I'm investing in.
6:22
[SPEAKER_00]: Then I started paying attention to something a lot less exciting called index funds.
6:29
[SPEAKER_00]: I see an index fund is not one company.
6:33
[SPEAKER_00]: It's not a bet on Blackberry.
6:35
[SPEAKER_00]: Watch this.
6:35
[SPEAKER_00]: Let me bring it up to today's day and time.
6:37
[SPEAKER_00]: It's not a bet solely on Apple, the iPhone.
6:42
[SPEAKER_00]: is not a bet on any single name, instead it is a basket, hundreds of companies bundle together.
6:51
[SPEAKER_00]: So if one of them falls apart, it doesn't sink your whole future with it.
6:56
[SPEAKER_00]: You see, the most well-known one tracks the S&P 500, which historically has averaged somewhere around 10% return over long stretches of time.
7:09
[SPEAKER_00]: I know some fun into the buyers who say 7%, but no, if you go back and you do the research for yourself and average it out, 10%, now, now stay with me because this is the part where the math starts to matter.
7:24
[SPEAKER_00]: If you put $100, just $100 into something like that and just left it alone.
7:30
[SPEAKER_00]: over time, you never put no more money in it, you just put $100 in it and you left it historically speaking, that $100 has had, would have had the potential to grow to somewhere around $1800.
7:47
[SPEAKER_00]: I'm not talking about a secret, stock, I'm not talking about a secret tip, I'm simply talking
7:58
[SPEAKER_00]: I'm talking about picking something boring, leaving it alone, and allowing time to be your best friend.
8:06
[SPEAKER_00]: And that number set with me, because here's what it means.
8:10
[SPEAKER_00]: The boring choice outperformed, watch this, the exciting choice.
8:15
[SPEAKER_00]: The thing that I thought was smart, hunting for the next blackberry, watch this, hunting for the next, I phone hunting for the next space X, actually put me in a more risk.
8:32
[SPEAKER_00]: Well, yeah, yeah, I should put me in more risk at more risk, I would say, for less reward than the thing I thought was boring.
8:40
[SPEAKER_00]: That flips something inside of me.
8:42
[SPEAKER_00]: I stop trying to be the smartest guy in the room and I start at trying to be the most consistent guy in the room.
8:50
[SPEAKER_00]: To this day, a year away from my doctorate, I don't give a crap about being the smartest.
8:57
[SPEAKER_00]: I want to be the most consistent.
9:01
[SPEAKER_00]: And that's loop number one, resolve.
9:05
[SPEAKER_00]: Check this out family.
9:07
[SPEAKER_00]: Did you know that nearly 4 and 10 Americans still have zero money invested in the stock market?
9:13
[SPEAKER_00]: That's a gap where wealth is built on this.
9:17
[SPEAKER_00]: If you're just saving, you're falling behind because the market's average close to about a 10% a year for a century while your savings account is barely keeping up with inflation.
9:28
[SPEAKER_00]: I want to make this point.
9:29
[SPEAKER_00]: If you wait just five years to start investing, you could lose out on hundreds of thousands of dollars in future wealth.
9:36
[SPEAKER_00]: That's not hype, that's real math.
9:38
[SPEAKER_00]: The wealthiest 10% of Americans now own over 90% of all sides because they started and they stayed consistent.
9:46
[SPEAKER_00]: But here's the thing, you don't need to be rich to honestly get inside of the investing game.
9:51
[SPEAKER_00]: With platforms like SoFi Invest, Public and Moomoo, you can open the account today.
9:56
[SPEAKER_00]: Start with as little as $1 literally and buy fractional shares of the same assets that have built generational wealth for millions.
10:04
[SPEAKER_00]: No commissions, 100% no excuses on your in.
10:07
[SPEAKER_00]: Listen, I need you to hear me clearly.
10:09
[SPEAKER_00]: Stop sitting on the sidelines.
10:10
[SPEAKER_00]: Go to anthonyoneo.com for session vests right now to compare the top investing platforms and open your first investing account today.
10:19
[SPEAKER_00]: Your future self and your children's children will thank you for taking action right now.
10:24
[SPEAKER_00]: We have to start building well, not just watching others get rich.
10:30
[SPEAKER_00]: do not let another year go by.
10:32
[SPEAKER_00]: As a matter of fact, don't let another day go by.
10:34
[SPEAKER_00]: Take the first step family.
10:36
[SPEAKER_00]: Visit amphonyonil.com for Sasha Invest.
10:39
[SPEAKER_00]: Let's get to work.
10:40
[SPEAKER_00]: Let's start investing ASAP.
10:42
[SPEAKER_00]: Let's get back to the show.
10:44
[SPEAKER_00]: Now let me get into the loop number two.
10:49
[SPEAKER_00]: Because once my mindset changed, my platform had to change.
10:57
[SPEAKER_00]: You see for a long time,
11:01
[SPEAKER_00]: I was investing through an app called Moo Moo for thousands of you all.
11:07
[SPEAKER_00]: You all listen to me and you join Moo Moo.
11:10
[SPEAKER_00]: And I'm a beyond switch of it work.
11:13
[SPEAKER_00]: It got the job done.
11:15
[SPEAKER_00]: But as I got more serious about doing this, saying boring and consistent, this, this instead of chasing the next stock, right?
11:27
[SPEAKER_00]: I realized the platform I was on wasn't built for what I actually needed anymore.
11:33
[SPEAKER_00]: And the truth is, the platform you were on, Moomu is not built for you to be consistent.
11:42
[SPEAKER_00]: So I moved all of my investing over from Moomu to sofa invest.
11:47
[SPEAKER_00]: And here's exactly why.
11:49
[SPEAKER_00]: Not because somebody paid me to say it, but because of what I actually
11:55
[SPEAKER_00]: needed and what it actually let me do differently.
11:59
[SPEAKER_00]: And here's a very first thing, number one, I needed automation.
12:04
[SPEAKER_00]: I needed a system that automatically set up recurring deposits, so money moves into my investment.
12:12
[SPEAKER_00]: The same way washed it, my tie goes to my church.
12:16
[SPEAKER_00]: The same way my savings grow.
12:19
[SPEAKER_00]: I needed automatically done without me having to remember, without me having to feel motivated, because let's be honest, motivation is going to run out.
12:31
[SPEAKER_00]: but wealthy people have systems and systems do not run out.
12:36
[SPEAKER_00]: So I needed a system that will allow me to automatically put $25 in this account every single month, for an example.
12:46
[SPEAKER_00]: Which number two reason why I did this is because I wanted to practice it for myself because here's the truth, a lot of you all don't have $1,000 right now to invest.
12:59
[SPEAKER_00]: You may not have the money to buy inside of these index funds fractional shares.
13:04
[SPEAKER_00]: So I moved over to invest, I'm not an invest, to so-fi invest, because I wanted to see fractional shares.
13:12
[SPEAKER_00]: You see, now with fractional shares, you don't need thousands of dollars to start.
13:17
[SPEAKER_00]: You can start with five dollars.
13:19
[SPEAKER_00]: If you've been telling yourself, I'll start investing once I have more money, that excuse is going in.
13:25
[SPEAKER_00]: Remember this, remember this, that the greatest enemy to your financial success is your excuse now, because you can literally buy a piece of a company for less than a fast food value meal at McDonald's.
13:41
[SPEAKER_00]: There's no more excuses to start investing.
13:46
[SPEAKER_00]: which leads me over to number three of why I went over the sofa in Ves, because they have a match.
13:51
[SPEAKER_00]: You see, sofa offers a percentage match on recurring deposits through their membership program, and depending on how much you fund a new account.
14:00
[SPEAKER_00]: There have been bonuses worth up to a meaningful amount in free stock, just for opening and watch this funding it.
14:10
[SPEAKER_00]: So this is not about I want you to open up an account.
14:13
[SPEAKER_00]: No, I want you to open it and
14:16
[SPEAKER_00]: Not fun, they account, fund your future.
14:23
[SPEAKER_00]: Because listen, offer us like that change.
14:27
[SPEAKER_00]: So always go and verify the current terms yourself before you move a time.
14:33
[SPEAKER_00]: I'm not here to promise you a specific number that might be different by the time you're watching this.
14:39
[SPEAKER_00]: I'm telling you the category of benefits.
14:43
[SPEAKER_00]: So find Vest 11, do three major things and benefit while two major things have been a bit from what?
14:47
[SPEAKER_00]: They gave me automation, low costs to start investing and is incentives to stay consistent.
14:58
[SPEAKER_00]: But here's the real point.
15:00
[SPEAKER_00]: And I need you to hear this over the noise of which app is best.
15:06
[SPEAKER_00]: Really, the platform is not the strategy.
15:10
[SPEAKER_00]: The platform is just a vehicle that makes the strategy easy to actually follow.
15:16
[SPEAKER_00]: I didn't switch platforms because so far is magic.
15:19
[SPEAKER_00]: I switch because I needed a system that made the boring, consistent, automated version of investing effortless.
15:29
[SPEAKER_00]: Because effortless is what actually gets repeated and repeated.
15:36
[SPEAKER_00]: Woo!
15:37
[SPEAKER_00]: is what actually builds well.
15:42
[SPEAKER_00]: I want feeling good.
15:45
[SPEAKER_00]: Is this making sense?
15:47
[SPEAKER_00]: If you're watching this on YouTube, comment below and let me know, is this making sense?
15:53
[SPEAKER_00]: The days of I gotta be smart, I gotta have a whole lot of money, they're gone.
15:59
[SPEAKER_00]: And when I got a hold at that boy, when I said, boy, you just got to be consistent with the little God is giving you and invest that into the future God is going to give you, boy, you're going to be all right.
16:15
[SPEAKER_00]: So hopefully you're understanding this and now that you may understand it, why I changed the how let me show you the map that made me trust the decision to even more.
16:28
[SPEAKER_00]: And this is the number I promise you at the start of the episode.
16:33
[SPEAKER_00]: Now hey, if you want to actually get or actually go set, this out loud is fresh on your mind.
16:40
[SPEAKER_00]: I got the exact platform I use and I compare them by side by side.
16:46
[SPEAKER_00]: All you do is go to anthonyno.com for Sasha Invest.
16:48
[SPEAKER_00]: You don't have to open up a sofa and best account.
16:51
[SPEAKER_00]: There's, I have like, the top five investment platforms on this particular account.
16:56
[SPEAKER_00]: We tend to update this particular page every single month, right?
17:00
[SPEAKER_00]: So go compare them, pick one and open the account that fits you and your dreams and your goals.
17:05
[SPEAKER_00]: But today, do it right now.
17:08
[SPEAKER_00]: Even if you only put $5 in it,
17:13
[SPEAKER_00]: I don't care what you do, open it, put something in it.
17:16
[SPEAKER_00]: And this is what I want to say because I think, oftentimes, and I'm so grateful because I don't really care.
17:22
[SPEAKER_00]: I don't get paid off of you picking the accounts.
17:25
[SPEAKER_00]: I don't really care, but here's my thing.
17:27
[SPEAKER_00]: I want you to open the account and find your future in that account.
17:33
[SPEAKER_00]: So you're not giving them money.
17:35
[SPEAKER_00]: You're putting money into your future.
17:39
[SPEAKER_00]: That's how you gotta look at it.
17:41
[SPEAKER_00]: I'm putting fat on those into my future.
17:43
[SPEAKER_00]: I'm putting $5 into this index fund from my children's future.
17:48
[SPEAKER_00]: So, so I'm going to get back to the map here real quick.
17:50
[SPEAKER_00]: All right, I'm going to get back to the map.
17:51
[SPEAKER_00]: Go to anthonyl.com for slash invest, all right, and open up an account today.
17:59
[SPEAKER_00]: But this next part that I'm about to go over is the whole reason.
18:08
[SPEAKER_00]: why I stopped doubting myself when I wasn't financially smart.
18:12
[SPEAKER_00]: Now with me having a degrees and going through my AFC certification, yeah, I am a lot wiser in an area of finances and I know so much more that I'm excited to even be teaching you all.
18:25
[SPEAKER_00]: But before that, this is why and how I stopped doubting me.
18:31
[SPEAKER_00]: Here's why.
18:32
[SPEAKER_00]: I want you to picture two people.
18:34
[SPEAKER_00]: Person one invest $300 a month, every single month, starting at the age 25.
18:40
[SPEAKER_00]: And just leaves it alone, never checks it, never, all right, never tries to be clever.
18:47
[SPEAKER_00]: Just automate it and walk away.
18:50
[SPEAKER_00]: And let's say at an assumed 8% average return, and I want to be clear, that's an assumption, not a guarantee.
18:57
[SPEAKER_00]: Nothing in investing is guaranteed.
18:59
[SPEAKER_00]: If you have any one in a financial space, guarantee and you money, that's a lot.
19:05
[SPEAKER_00]: But by the time that person hit 65, based upon these numbers, they could be looking at somewhere roughly a million dollars.
19:16
[SPEAKER_00]: Now, let's go to person two.
19:19
[SPEAKER_00]: Person two does the exact same thing.
19:22
[SPEAKER_00]: Same $300 a month, same as soon that 8% return, but doesn't start until this person is 35.
19:30
[SPEAKER_00]: Just 10 years later, by 65,
19:34
[SPEAKER_00]: not even half, they got $400,000.
19:36
[SPEAKER_00]: Watch this though, it's the same strategy, it's the same discipline, just a 10 years of delay, cut their number by hand.
19:54
[SPEAKER_00]: Watch this though.
19:57
[SPEAKER_00]: It wasn't about picking the high stock.
20:01
[SPEAKER_00]: We see all these financial gurus online.
20:03
[SPEAKER_00]: And I'm like, this is the right start.
20:05
[SPEAKER_00]: This is going to make you a million dollars, man.
20:06
[SPEAKER_00]: Shut the hell up.
20:08
[SPEAKER_00]: It's not about the timing and timing the dip.
20:14
[SPEAKER_00]: Getting up at 5 am and got a time.
20:19
[SPEAKER_00]: The 10 year gap is bigger than almost anything I could have picked my way into with a blackberry or any other single-stock company.
20:30
[SPEAKER_00]: Timing did more work for me than cleverness ever did.
20:37
[SPEAKER_00]: Timing did more work for me than being smart and going after the sexy most popular one company.
20:48
[SPEAKER_00]: That's the moment it clicked for me.
20:51
[SPEAKER_00]: I stopped asking what should I buy and I started asking
20:58
[SPEAKER_00]: because consistency automated LF alone beat every clever move I ever made trying to outsmart the market.
21:12
[SPEAKER_00]: If you remember nothing else from today's episode, remember that the boring plan run for longer be the exciting plan run for shorter.
21:25
[SPEAKER_00]: I notice so many people in here teach in day trading and option trading and I'm not knocking any of that.
21:32
[SPEAKER_00]: But lay down the foundation first, let the boring be building your future and then if you have extra money, yeah, man, play around with the shorter and more risky things.
21:44
[SPEAKER_00]: Please do.
21:46
[SPEAKER_00]: Now before you go, move your whole paycheck into an investment account tonight.
21:54
[SPEAKER_00]: I got to be honest with you about something, simply because I care about my community.
22:02
[SPEAKER_00]: And I care about you too much to skip this important part.
22:08
[SPEAKER_00]: You see, investing is not step one.
22:11
[SPEAKER_00]: I got to be honest with you.
22:13
[SPEAKER_00]: Because if you're still carrying consumer debt, credit cards, car notes, that you upside down on the car, buy now pay later stuff,
22:24
[SPEAKER_00]: You're paying out interest, and we need to get that interest back.
22:30
[SPEAKER_00]: So I needed to kind of pump the brakes a little bit on investing aggressively because here's why.
22:36
[SPEAKER_00]: The guaranteed return of paying off a credit card at 22 and 25 and sometime 29% interest is better than a soon return on a stock market.
22:47
[SPEAKER_00]: I may be one of the only people who ever say that.
22:54
[SPEAKER_00]: you're not going to consistently out-earn that interest rate in the market, and not, so I need to kill that consumer debt.
23:04
[SPEAKER_00]: Second, you need an emergency fund before you even are heavy into investing.
23:11
[SPEAKER_00]: Man, I had a friend who took, and I was so, so, so mad at this particular
23:25
[SPEAKER_00]: Had about $25,000 in this emergency savings, everyone was talking about this Bitcoin, and how they was making money, he took everything out, put it inside the Bitcoin, lost it three months later.
23:44
[SPEAKER_00]: No, I don't care.
23:47
[SPEAKER_00]: No.
23:50
[SPEAKER_00]: Second, you got to have an emergency fund
23:56
[SPEAKER_00]: I'll talk about this in my latest book.
23:58
[SPEAKER_00]: Stop live in page of the paycheck.
23:59
[SPEAKER_00]: You need at least three to six months of your net pay sitting inside of a high yield, saying the count, not a traditional regular back account earning almost nothing.
24:07
[SPEAKER_00]: I'm talking about a high yield, say this account has given you three to four percent.
24:14
[SPEAKER_00]: Now, why does this matter for investing?
24:17
[SPEAKER_00]: Because if you don't have that cushion and life happens, it's not a matter of if.
24:21
[SPEAKER_00]: like happens.
24:22
[SPEAKER_00]: Car breaks down, you lose your job, you got to rush your children to the to the hospital, guess where people are starting to pull the money from.
24:32
[SPEAKER_00]: They're investment accounts.
24:35
[SPEAKER_00]: And at the worst possible time when the market might be down, forcing a loss that never had to happen.
24:44
[SPEAKER_00]: So our emergency fund protects our investments from crisis moments.
24:53
[SPEAKER_00]: because the truth of the fact is, if the market goes down, that's only on the sheet of paper.
24:58
[SPEAKER_00]: The moment you pull the money out, you've made it permanent.
25:01
[SPEAKER_00]: But if the market goes down on the sheet of paper and the market goes back up, what else goes back up, your money.
25:07
[SPEAKER_00]: But if you don't have any money, hit it, your money can't go back up.
25:13
[SPEAKER_00]: That's why we need an emergency fund.
25:17
[SPEAKER_00]: That's why we need adequate amount of savings,
25:21
[SPEAKER_00]: And so that we don't have to pull from our future.
25:25
[SPEAKER_00]: And here's a third, and this one is personal to me because this is faith, not just fine now.
25:32
[SPEAKER_00]: Before I invest, 10% of what I make goes back to God first, not after first.
25:40
[SPEAKER_00]: I don't care if the stock market is doing good.
25:42
[SPEAKER_00]: I'm giving God his 10%.
25:47
[SPEAKER_00]: because I have washed what has happened with them on my own personal life.
25:52
[SPEAKER_00]: When I put generosity ahead of me personally benefiting from the accumulation of money.
25:59
[SPEAKER_00]: And I've never seen God let a generous person's core self go broke.
26:06
[SPEAKER_00]: You see, that's not a formula guarantee and riches.
26:08
[SPEAKER_00]: That's just a posture because open hands
26:18
[SPEAKER_00]: But it cleansed hands, says, God, I don't need you, and that's a lie, your boy needs God.
26:26
[SPEAKER_00]: So here's the actual order, consume with that God to be going, open up a fully funded emergency account and get that thing going, give, give, and invest 12 to 15% of your net pay consistently, automated, and leave it the heck alone.
26:49
[SPEAKER_00]: I changed how I invest.
26:52
[SPEAKER_00]: I did not skip when to start investing responsibly.
26:57
[SPEAKER_00]: Those are two different conversations.
26:59
[SPEAKER_00]: And I need you to hold both of them at the same time.
27:04
[SPEAKER_00]: Here's a deeper thing that changed me.
27:07
[SPEAKER_00]: Pass the platform, pass, pass the map, right?
27:13
[SPEAKER_00]: My whole relationship to why I'm even doing this change.
27:19
[SPEAKER_00]: I used to think investing was about being right, about being the guy who called it, about bragging that I saw something coming before it, everybody else did.
27:33
[SPEAKER_00]: Fashes, I used to brag, I used to think it's about man just getting to that bad and getting millions.
27:37
[SPEAKER_00]: That's ego talking, that's not wealth talking.
27:42
[SPEAKER_00]: Now I think about investing completely different.
27:45
[SPEAKER_00]: I'm not trying to be right.
27:47
[SPEAKER_00]: I'm trying to buy it back my time.
27:50
[SPEAKER_00]: Every dollar that goes into that account automatically without me lifting a finger is a dollar that is quietly strategically working a shift for me while I sleep, while I'm recording this episode, while I'm at church, while I'm with my family, while I'm in my classroom with my students.
28:11
[SPEAKER_00]: That money doesn't need my attention.
28:13
[SPEAKER_00]: It doesn't need my genius.
28:15
[SPEAKER_00]: It just needs my consistency and my patience.
28:22
[SPEAKER_00]: had to quickly realize that's a completely different emotional relationship with money.
28:30
[SPEAKER_00]: Then the one that I actually had when I was refreshing-style prices at midnight, hoping Blackberry would turn it around.
28:39
[SPEAKER_00]: One version of me was anxious.
28:41
[SPEAKER_00]: The version of me now is patient.
28:45
[SPEAKER_00]: and patient-beast, anxious, every single time in this game, in the investing game.
28:53
[SPEAKER_00]: So I need you to ask yourself, right now, honestly, are you investing because you've actually thought through the plan, and I would say the strategy, or are you investing the way I used to?
29:09
[SPEAKER_00]: Chasing a filling, chasing a story, chasing the excitement of being right
29:16
[SPEAKER_00]: So by promise you, the excitement does fade.
29:20
[SPEAKER_00]: The automated boring account is still sitting there quietly compounding long after the excitement wears off.
29:32
[SPEAKER_00]: I think overall, my brand is a little boring.
29:36
[SPEAKER_00]: But let me tell you something.
29:37
[SPEAKER_00]: I've been working this boring brand and practicing what I preach for going on 14 years now.
29:49
[SPEAKER_00]: I just bought an estate home, I can't call it my dream home, but it's a big old home.
29:53
[SPEAKER_00]: And I'm paying that mortgage without losing any sleep.
30:01
[SPEAKER_00]: To my Christian people, I'm going to apologize, but I just want to say this.
30:05
[SPEAKER_00]: Boring looks sexy is here right now.
30:12
[SPEAKER_00]: It looks sexy.
30:18
[SPEAKER_00]: Let me put this all together and to something that you can actually walk away with.
30:23
[SPEAKER_00]: Here's the five step system, the way I invest, laid out, plain and simple.
30:29
[SPEAKER_00]: Step one, you got to clear the one, run away.
30:32
[SPEAKER_00]: No consumer debt, 36 months, and they hire you same as account, tied already flowing.
30:38
[SPEAKER_00]: If you're not there yet, that's not a failure.
30:40
[SPEAKER_00]: That's just phase one of your plan.
30:42
[SPEAKER_00]: Step two, you got to automate it before you analyzed, set up recurring deposits before you spend one more hour
30:52
[SPEAKER_00]: automation removes the version of you that talks yourself out of it a month or so, right?
31:00
[SPEAKER_00]: Step three, index first, individual stocks after you lay down the foundation, build your foundation and diversified funds.
31:10
[SPEAKER_00]: If after the foundation is strong and you want to play around and pick some small stocks, man, I'm cool with that.
31:19
[SPEAKER_00]: I have no problem with that, because whatever it interests you, that's the whole point of having freedom, is if you got the foundation building for you, man, enjoy it.
31:27
[SPEAKER_00]: So if you want to, instead of provide some shoes or a purse or whatever that is, man, you want to put that into a single start, I'm cool with that because your foundation is still building for you.
31:38
[SPEAKER_00]: With these members that are for, you've got to pick the right platform that makes the boring plan effortless, not the platform that makes you feel the most entertained.
31:49
[SPEAKER_00]: but fractional shares, low fees, automation, that's it.
31:53
[SPEAKER_00]: That's the checklist.
31:57
[SPEAKER_00]: Don't forget, anthemunno.com 4-in-Vest.
32:01
[SPEAKER_00]: Now, step five is the last step.
32:05
[SPEAKER_00]: Leave it to heckle on.
32:07
[SPEAKER_00]: Don't look at your platform every single day.
32:09
[SPEAKER_00]: Don't panic when you're seeing a news, talk about the market and dip.
32:13
[SPEAKER_00]: Don't get greedy when it's time to climb.
32:16
[SPEAKER_00]: You're not trying to be clever anymore.
32:18
[SPEAKER_00]: I just need you trying to be consistent for the next decade.
32:23
[SPEAKER_00]: Not for a week only.
32:26
[SPEAKER_00]: I said, that's the whole shift.
32:30
[SPEAKER_00]: Five steps.
32:31
[SPEAKER_00]: And every single one of them is something you can start today, this week.
32:40
[SPEAKER_00]: Listen, I gotta go.
32:44
[SPEAKER_00]: I think about the younger version of me sitting there feeding and filling, I would say, proud of myself for buying blackberry stock.
32:53
[SPEAKER_00]: He thought he was being smart.
32:57
[SPEAKER_00]: And honestly, I was just being loud.
33:00
[SPEAKER_00]: And what I've learned in 42 years of living, the loudest individual screaming I did
33:10
[SPEAKER_00]: They're rich for a temporary season.
33:14
[SPEAKER_00]: They're not really free, but consistency builds freedom.
33:23
[SPEAKER_00]: Your path to changing how you invest might not look exactly like mine.
33:28
[SPEAKER_00]: Maybe you're not switching platforms.
33:29
[SPEAKER_00]: Maybe you're just switching your mindset from picking to automating.
33:34
[SPEAKER_00]: I don't know.
33:35
[SPEAKER_00]: Maybe you're not at the investing phase yet at all.
33:38
[SPEAKER_00]: And today's real win is just opening that first account with $5 and letting it sit there while you finish your desk no-ball.
33:46
[SPEAKER_00]: That's a win.
33:48
[SPEAKER_00]: Wherever you're starting from, the principle doesn't change.
33:53
[SPEAKER_00]: Freedom is a decision before it's a destination.
34:00
[SPEAKER_00]: So here's your one move.
34:01
[SPEAKER_00]: Just one.
34:03
[SPEAKER_00]: Go to anthonyl.com.
34:05
[SPEAKER_00]: ForciationVestNow, compare the platforms, open up one account, and put the minimum of $5 in it.
34:13
[SPEAKER_00]: And if it's just $5, smile.
34:17
[SPEAKER_00]: Not because $5 is going to make you rich, it's not.
34:20
[SPEAKER_00]: But because the habit you built today is worth more than the amount you invested yesterday.
34:29
[SPEAKER_00]: and some of y'all didn't invest anything.
34:31
[SPEAKER_00]: You see, I've changed how I invest because I got tired of being loud with money and I got serious about being patient with money.
34:40
[SPEAKER_00]: And I want the exact same thing for you, family.
34:44
[SPEAKER_00]: Because freedom is better than being rich.
34:49
[SPEAKER_00]: Boring is almost a guaranteed pair of two success if you trusted over time.
34:56
[SPEAKER_00]: And today at 42,
34:59
[SPEAKER_00]: I see my investment portfolio growing, because I'm allowed it to sit for the last decade.
35:06
[SPEAKER_00]: And I'm seeing my money grow and grow and grow.
35:10
[SPEAKER_00]: What am I seeing?
35:11
[SPEAKER_00]: My future looking better.
35:13
[SPEAKER_00]: What am I seeing?
35:14
[SPEAKER_00]: My money is buying back a little bit of my time.
35:17
[SPEAKER_00]: What am I seeing?
35:18
[SPEAKER_00]: Freedom in the future.
35:21
[SPEAKER_00]: And I need you to see freedom.
35:24
[SPEAKER_00]: Mr. Boyampani O'Neill,
35:27
[SPEAKER_00]: I've been saying this for the last 30 days.
35:29
[SPEAKER_00]: I stayed inside of my book, stopped living paycheck to paycheck.
35:34
[SPEAKER_00]: Freedom is better than being with you.
35:37
[SPEAKER_00]: God bless you.