Latest / The Table with Anthony ONeal / I Made $25,000 a Year as a Youth Pastor. Now I Make $100k+ a Month. (Copy ME)

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I Made $25,000 a Year as a Youth Pastor. Now I Make $100k+ a Month. (Copy ME) · The Table with Anthony ONeal

0:01
[SPEAKER_00]: If I'm being honest, I'm gonna be very honest of front.
0:04
[SPEAKER_00]: One of the things that I'm often times, how do I say this?
0:12
[SPEAKER_00]: Y'all want just a regular guy?
0:15
[SPEAKER_00]: And yes, it is true.
0:16
[SPEAKER_00]: I worked for Dave Ramsey for seven years and one of the things that bothers me sometimes when I hear people say Anthony you're not a normal guy because you have the opportunity to work with Dave Ramsey and make all this money and and get a head start.
0:35
[SPEAKER_00]: Man, if I was a cousin man, I will curse right there.
0:38
[SPEAKER_00]: Because while I respect David and completely am grateful for the opportunity God gave me to work with him, I learned so much there, but y'all Dave Ramsay didn't make me, I'm a regular guy, I'm a regular guy who worked a system and stuck with the system.
1:09
[SPEAKER_00]: Now, I will never, ever discredit that man.
1:11
[SPEAKER_00]: I will never, ever take away from the amazing opportunity it was.
1:19
[SPEAKER_00]: We all, I'm making 10 times more income.
1:24
[SPEAKER_00]: A month, then what I was when I was with him.
1:32
[SPEAKER_00]: But today, show was just about a regular guy from Fayette, the North Carolina and San Diego, California.
1:38
[SPEAKER_00]: with middle class income families, military and education and pastoring.
1:45
[SPEAKER_00]: How did I go from there to where I am today?
1:50
[SPEAKER_00]: There's no binding my family could teach me this, but today today I'm going to give you the exact plan that changed everything for me, not because I'm special, not because I work with Dave Ramsey because
2:07
[SPEAKER_00]: I'm loved by God, but there's nothing special, there's nothing greater about Anthony O'Neill than it is about you.
2:13
[SPEAKER_00]: But because of the plan and the plan works.
2:17
[SPEAKER_00]: And the truth is, everyone within our community, everyone who's watching this deserves the right plan.
2:24
[SPEAKER_00]: So if you're watching this right now and you feel like wealth is for other people and smarter people and luck your people and people who had great opportunities to work with Guru and great people, I need you to hear me.
2:39
[SPEAKER_00]: That feeling, I know it and I lived it.
2:42
[SPEAKER_00]: I grew up watching people around me struggle with money and I thought that I was just honestly life.
2:50
[SPEAKER_00]: That's just how it is for us.
2:54
[SPEAKER_00]: Can I go deep with you today?
2:56
[SPEAKER_00]: I would never be able to be as financially well off because I'm black.
3:04
[SPEAKER_00]: Because in my world growing up, I only saw black people struggling.
3:12
[SPEAKER_00]: Nobody told me differently.
3:15
[SPEAKER_00]: Nobody showed me different.
3:17
[SPEAKER_00]: And that lie almost costs me everything.
3:22
[SPEAKER_00]: And when I was on Instagram the other day and I would talk to my wrist Carlton experience and when I'm seeing like two or three comments all you could do that because of day ramsy man I can't do that.
3:31
[SPEAKER_00]: I haven't been with this guy for six years.
3:32
[SPEAKER_00]: He ain't he ain't cut me one check in almost six years And here's here's my challenge for you today
3:43
[SPEAKER_00]: most people think the reason they don't have wealth is because they do not make enough money or they have not had the right opportunities.
3:53
[SPEAKER_00]: And that's not the case.
3:55
[SPEAKER_00]: Because I know people making 80,000, 90,000, 100,000 a year and they're broke.
4:02
[SPEAKER_00]: But I also know people who built real wealth
4:08
[SPEAKER_00]: The income and opportunities are not the issue.
4:11
[SPEAKER_00]: Your system is the issue.
4:13
[SPEAKER_00]: And today, I'm going to give you the system that worked for me.
4:19
[SPEAKER_00]: It's no secret.
4:21
[SPEAKER_00]: There's no genie in the bottle, no, let's start from 19.
4:28
[SPEAKER_00]: Our members won't particularly, I'll see you in the couch, I'm a friend's couch, I was just chilling there for the night, was playing our Xbox.
4:37
[SPEAKER_00]: I've got credit card debt, I have no savings and I have no financial education.
4:42
[SPEAKER_00]: My parents love the heck out of me, but they couldn't teach me what they did not know.
4:48
[SPEAKER_00]: And I remember sitting there thinking, is this just my life and something shifted in me?
4:54
[SPEAKER_00]: Not a miracle, not a lottery ticket, a decision.
4:58
[SPEAKER_00]: I decided that I was going to figure this thing out.
5:02
[SPEAKER_00]: I didn't know how yet, but I decided.
5:05
[SPEAKER_00]: And that decision, that one moment, that's exactly where my wealth journey actually started.
5:12
[SPEAKER_00]: Not when I got my first investment account, not when I got, when not when I paid off my last debt, not when I joined random solutions, it started with the decision that I was responsible for my own financial future.
5:26
[SPEAKER_00]: Nobody was coming to save me, and nobody is coming to save you either.
5:31
[SPEAKER_00]: But here's the good news.
5:33
[SPEAKER_00]: You don't need to be saved.
5:35
[SPEAKER_00]: You just need an actual plan and a strategy.
5:39
[SPEAKER_00]: You don't need to work with the gurus and the millionaires.
5:43
[SPEAKER_00]: You just need the right plan and the right strategy.
5:48
[SPEAKER_00]: And I'm a give it to you now.
5:49
[SPEAKER_00]: Here's the very first thing that I did.
5:52
[SPEAKER_00]: I had to have my session.
5:54
[SPEAKER_00]: The first thing I did, and this is where I think a lot of people skip over because it doesn't feel like a real financial advice I would say.
6:05
[SPEAKER_00]: I had to change the way I thought about money entirely.
6:10
[SPEAKER_00]: I had to unlearn what I saw my parents do and learn what God wanted me to do with the money.
6:20
[SPEAKER_00]: Because most people spend their whole lives trying to make more money.
6:27
[SPEAKER_00]: I spent my energy learning how to manage the money I already had.
6:32
[SPEAKER_00]: There were two completely different
6:35
[SPEAKER_00]: Make it money?
6:36
[SPEAKER_00]: Let's be real black people.
6:37
[SPEAKER_00]: We know how to do that.
6:39
[SPEAKER_00]: And managing money, two different skillsets.
6:44
[SPEAKER_00]: And here's the truth.
6:45
[SPEAKER_00]: If you can't manage $3,000 a month, if you cannot manage, well, hey, yeah, I'm gonna say that.
6:51
[SPEAKER_00]: If you can't manage $3,000 a month, you can't manage $30,000 a month.
6:57
[SPEAKER_00]: The habits don't change with the income.
7:01
[SPEAKER_00]: The habits have to change first.
7:08
[SPEAKER_00]: Before you can still wear 30,000, you've got to develop habits that can handle 30,000.
7:15
[SPEAKER_00]: But watch this.
7:16
[SPEAKER_00]: I also had to stop waiting for something to rescue me.
7:19
[SPEAKER_00]: No inheritance coming, no lottery, no viral moment, no rich uncle, no rich boss.
7:27
[SPEAKER_00]: Just me, a plan and a decision to be consistent.
7:31
[SPEAKER_00]: When I accepted that, fully accepted it, everything changed.
7:36
[SPEAKER_00]: Because I stopped being a victim of my financial situation and became the architect of it.
7:44
[SPEAKER_00]: I stopped blaming the world, I stopped blaming my skin color and I said, I'm gonna be the architect of my financial turnaround.
7:55
[SPEAKER_00]: And when I decided that in my mind, my whole life changed.
7:59
[SPEAKER_00]: And the reason why some of you all are struggling today is because you want to look for excuses and other people.
8:05
[SPEAKER_00]: Oh, you had a chance to do this and oh, you had this opportunity.
8:07
[SPEAKER_00]: Oh, you had this and yes, opportunities are important.
8:12
[SPEAKER_00]: But if you can be the architect of your situation, God is going to give you opportunities.
8:23
[SPEAKER_00]: So when I shipped it, my mind said, and I became the architect, oh, I just feel good on this one.
8:28
[SPEAKER_00]: What happens to your family if something happened to you?
8:33
[SPEAKER_00]: I'm outside again.
8:34
[SPEAKER_00]: What happens to your family when something happens to you?
8:37
[SPEAKER_00]: You see, life insurance feels scary, it feels complicated, and even expensive.
8:42
[SPEAKER_00]: But here's the thing, it doesn't have to be anymore.
8:47
[SPEAKER_00]: Most of us are walking around with no life insurance policy, but we have a name brand item.
8:54
[SPEAKER_00]: Thinking, I'm young, I'm healthy, I got time.
8:58
[SPEAKER_00]: family I want to be honest with you, I'm so sorry.
9:00
[SPEAKER_00]: That's not fate.
9:01
[SPEAKER_00]: That is pure foolishness.
9:04
[SPEAKER_00]: Here's what I love about my friends already, those.
9:07
[SPEAKER_00]: They've made getting term life insurance 100% simple.
9:11
[SPEAKER_00]: No medical exams, no waiting weeks for approval.
9:14
[SPEAKER_00]: You can get a quote online in literally 10 minutes like myself and get approved the exact same day.
9:20
[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.
9:29
[SPEAKER_00]: Term life insurance.
9:30
[SPEAKER_00]: is pure protection at a fraction of the cost of whole life insurance.
9:35
[SPEAKER_00]: Look, I healthy 30-row can get a 500,000 policy for about 25,000 months.
9:41
[SPEAKER_00]: That's less than your Netflix and Spotify combined.
9:44
[SPEAKER_00]: Listen, your family deserves to be protected.
9:49
[SPEAKER_00]: don't leave them struggling to pay bills and funeral costs because you kept putting this off.
9:56
[SPEAKER_00]: While you're in heaven, smiling, your family's down here stressed because of your poor decisions.
10:01
[SPEAKER_00]: Let's stop playing games with your family's future.
10:04
[SPEAKER_00]: Get your free quote today in 10 minutes by going to AnthonyoNeo.com for Sasha Eatos.
10:10
[SPEAKER_00]: Again, go to AnthonyoNeo.com for Sasha Eatos and our promise you,
10:18
[SPEAKER_00]: You will feel way better and sleep better at night.
10:22
[SPEAKER_00]: All right, let's get back to today's show.
10:25
[SPEAKER_00]: Step two, I had to get, I had to get organized.
10:33
[SPEAKER_00]: And what I've learned, what I get so frustrated is people will skip over this and go straight into investing.
10:41
[SPEAKER_00]: No, I got organized.
10:43
[SPEAKER_00]: On purpose, consistently.
10:48
[SPEAKER_00]: I started doing the most boring thing ever.
10:50
[SPEAKER_00]: I started writing a budget every single month, not because I love spreadsheets, because I hate them.
10:58
[SPEAKER_00]: But because I couldn't improve what I wasn't measuring.
11:03
[SPEAKER_00]: The budget was my measuring stick.
11:06
[SPEAKER_00]: It told me the truth about my money when I didn't want to hear it.
11:17
[SPEAKER_00]: I remember the first time I actually sat down and rode out where every dollar was going.
11:23
[SPEAKER_00]: If I'm being honest with you all, I was completely embarrassed.
11:26
[SPEAKER_00]: I was spending money on things and watched it on people.
11:29
[SPEAKER_00]: I didn't even remember buying and spending money on.
11:34
[SPEAKER_00]: If I'm being honest, again, it made me feel stupid, but in the best way.
11:38
[SPEAKER_00]: Because now I can see the problem in the pattern.
11:41
[SPEAKER_00]: And if you can see the problem in the pattern, then you can fix the problem in the pattern.
11:47
[SPEAKER_00]: But here, here's what a budget really is.
11:52
[SPEAKER_00]: And I needed to kind of reframe this with me.
11:54
[SPEAKER_00]: A budget is not a punishment.
11:57
[SPEAKER_00]: A budget is a permission slip.
12:00
[SPEAKER_00]: When I tell your, when you tell your money, where to go before the month starts, you can spin on what matters without any guilt.
12:09
[SPEAKER_00]: Because your priorities are already funded.
12:15
[SPEAKER_00]: And there's a second tool, a second tool, I use that most people have never heard of.
12:24
[SPEAKER_00]: And it's the one that showed me that I was actually winning.
12:30
[SPEAKER_00]: Twice a year, and I do this today.
12:35
[SPEAKER_00]: I did a network statement.
12:37
[SPEAKER_00]: I listed every asset I owned and every liability I owned.
12:41
[SPEAKER_00]: The difference is your network.
12:44
[SPEAKER_00]: And watching that number move even solely from negative to zero to positive to growing that became my motivation.
12:54
[SPEAKER_00]: The budget was my monthly score's card.
12:57
[SPEAKER_00]: That net worth statement was my long-term, long-games score card.
13:03
[SPEAKER_00]: And both of them together gave me a complete picture of my financial life and it confirmed
13:15
[SPEAKER_00]: Nobody else has built in this for me, the third thing that I had to do, and that you have to do, was I had to eliminate the financial dramas with them all I, and I need to understand something.
13:34
[SPEAKER_00]: You cannot build wealth while you're consistently putting out financial fires and financial
13:44
[SPEAKER_00]: I can't, I think about it, I think about it, I think about it like this.
13:50
[SPEAKER_00]: You can't build a house on a foundation that's on fire.
13:54
[SPEAKER_00]: you have to literally put the fire out first, clean up the smoke, and then start building.
14:01
[SPEAKER_00]: And so for me, that meant paying off my consumer debt.
14:05
[SPEAKER_00]: It meant building a solid one month of an emergency fund.
14:09
[SPEAKER_00]: At that time, I just built $1,000, because I was following the financial piece in a university to seven baby steps.
14:17
[SPEAKER_00]: Today, that looks like you put it in the side one month of your net pay.
14:21
[SPEAKER_00]: It meant stopping the cycle of financing everything I went with new debt.
14:26
[SPEAKER_00]: If I didn't have cash, I couldn't buy it.
14:29
[SPEAKER_00]: That was the rule.
14:30
[SPEAKER_00]: And I haven't taken on any consumer debt in years.
14:34
[SPEAKER_00]: Watch this even though now, I do have an MS card.
14:39
[SPEAKER_00]: I talk about that inside my brand new book.
14:43
[SPEAKER_00]: If I can't afford to pay for it, cash, I don't put it on my MX statement.
14:47
[SPEAKER_00]: Nope, I was about to act like I'm in the church.
14:54
[SPEAKER_00]: I was about to say somebody's name, but I don't know their watching.
14:58
[SPEAKER_00]: But I remember the day I made my last that payment.
15:02
[SPEAKER_00]: People think that moment is all about the money and it's not.
15:07
[SPEAKER_00]: It's about the feeling.
15:08
[SPEAKER_00]: It's about breathing.
15:09
[SPEAKER_00]: It's for the first time a year, I could actually breathe on the first of the month.
15:14
[SPEAKER_00]: The weight was going and I realized that weight had been causing me more than money.
15:19
[SPEAKER_00]: it was costing me peace.
15:22
[SPEAKER_00]: It had been costing me sleep.
15:24
[SPEAKER_00]: It had been costing me clarity.
15:27
[SPEAKER_00]: That doesn't just take your money.
15:30
[SPEAKER_00]: Man, it takes real estate inside of your mind.
15:35
[SPEAKER_00]: And when you eliminate that financial drama, that financial issues, when you have an emergency fund, and when you're not drowning in payments, emergency stop being disasters, and they just really is truly become inconveniences.
15:50
[SPEAKER_00]: And that shift changes everything about how you move through life.
16:02
[SPEAKER_00]: I hope this is making sense.
16:05
[SPEAKER_00]: Because here's where it gets interesting, because once the foundation is solid, this is where real wealth building, I would say truly starts to flourish.
16:27
[SPEAKER_00]: Because the fourth thing I did was I started investing,
16:36
[SPEAKER_00]: Consistently, watch this though, not perfectly, consistently.
16:44
[SPEAKER_00]: All the time when I'm speaking, man, I'm often asked, what's the best stock right now?
16:50
[SPEAKER_00]: What's the best crypto?
16:52
[SPEAKER_00]: What's the best investing right now?
16:54
[SPEAKER_00]: And while investing into the stock market is important, I'm gonna tell you something that might frustrate you a little bit.
17:01
[SPEAKER_00]: For the majority of us, that is the wrong question.
17:04
[SPEAKER_00]: The right question is, am I investing consistently over a long period of time?
17:12
[SPEAKER_00]: Not am I hopping on a latest, high trend?
17:14
[SPEAKER_00]: I don't know, have I positioned myself to be investing consistently into proven companies that grow?
17:21
[SPEAKER_00]: because compounding doesn't reward brilliance, it rewards consistency.
17:27
[SPEAKER_00]: Time is the most powerful wealth-building tool available to every single person watching this video.
17:33
[SPEAKER_00]: Regardless of income, regardless of background, regardless of what your family had or didn't have, to this day, I invest month after month.
17:49
[SPEAKER_00]: When the market was up, man, I invested.
17:53
[SPEAKER_00]: When the market dropped and watched this y'all, y'all know, it dropped hard in 2008.
17:58
[SPEAKER_00]: I wasn't really investing them, but in 2020 and 2002, I was, and I still kept investing.
18:04
[SPEAKER_00]: Because I took my emotions out of, I was saying investing alone time ago.
18:09
[SPEAKER_00]: I wasn't investing based on how I felt.
18:12
[SPEAKER_00]: I was investing based on what I decided.
18:16
[SPEAKER_00]: And I decided I want to get to a point to where I no longer have to exchange my time for money, but my money is going to buy that in my time.
18:26
[SPEAKER_00]: But I gotta be honest with you about something.
18:31
[SPEAKER_00]: Part of what kept me consistent was my faith.
18:35
[SPEAKER_00]: Because I really do believe that God honors stewardship.
18:38
[SPEAKER_00]: I believe that when you are faithful with what you have, you are now positioning yourself for more.
18:47
[SPEAKER_00]: That's not just a spiritual principle, it's a financial one.
18:51
[SPEAKER_00]: You see, stewardship is the foundation of wealth building.
18:55
[SPEAKER_00]: Say it one more time.
18:57
[SPEAKER_00]: Steward ship.
18:59
[SPEAKER_00]: It is a foundation of well-building.
19:02
[SPEAKER_00]: Here's a number I want you to sit with for a little bit.
19:05
[SPEAKER_00]: If you invest $500 a month starting essay at 25 years old at an average 10% return, by 65 you'll have over 2.6 million dollars.
19:15
[SPEAKER_00]: It's $500 a month.
19:16
[SPEAKER_00]: It's not a miracle.
19:17
[SPEAKER_00]: You'd have to pray for that.
19:18
[SPEAKER_00]: That's math.
19:19
[SPEAKER_00]: That's time.
19:20
[SPEAKER_00]: That's consistency.
19:22
[SPEAKER_00]: That should be in the good steward of what God has given you.
19:28
[SPEAKER_00]: Can you sit with that for a little bit?
19:32
[SPEAKER_00]: Wow.
19:34
[SPEAKER_00]: He didn't have to go praying as God to send you this miraculous check.
19:38
[SPEAKER_00]: No.
19:41
[SPEAKER_00]: You just had to make a decision.
19:42
[SPEAKER_00]: Am I going to invest into my future or am I going to invest into, please, in my flesh?
19:50
[SPEAKER_00]: Which leads me to the fifth thing I did.
19:55
[SPEAKER_00]: And this one is going to step on some of you all's toes, because, you know, a step on mine, I chose to live below my means on purpose, still to this day.
20:13
[SPEAKER_00]: I'm going to talk about my community for a quick second.
20:20
[SPEAKER_00]: We've been so delighted.
20:22
[SPEAKER_00]: The lie is that success looks like a freaking car and the watch and the clothes and the ladies we can pull brothers and understand it.
20:31
[SPEAKER_00]: When you grow up without, you want to show that you got a little some sum and I get it because I felt it.
20:38
[SPEAKER_00]: But here's what I learned the hard way.
20:40
[SPEAKER_00]: Looking wealthy for her, for them, and being wealthy are two completely different things.
20:47
[SPEAKER_00]: and you cannot do both at the same time.
20:51
[SPEAKER_00]: You have to choose what you want, what you desire.
20:57
[SPEAKER_00]: And as my income grew, I didn't upgrade my life style.
21:01
[SPEAKER_00]: I honestly upgraded my investments.
21:04
[SPEAKER_00]: I upgraded my assets.
21:05
[SPEAKER_00]: I upgraded ownership.
21:07
[SPEAKER_00]: I kept my expenses low and I let the gap between income and expenses become my wealth engine.
21:16
[SPEAKER_00]: Heck, I just made an entire huge shift with my company.
21:20
[SPEAKER_00]: That's going to put $10,000 a month back into my company, because I understand that I gotta have things way below my knees.
21:31
[SPEAKER_00]: You see, I remember when people used to look at me and think I wasn't doing well because I wasn't driving the flashiest car or running the most expensive things.
21:41
[SPEAKER_00]: And I was okay with that.
21:43
[SPEAKER_00]: And I fought a time to time.
21:45
[SPEAKER_00]: But it was because I knew what was happening in the background.
21:50
[SPEAKER_00]: I was building something that would outlast any car, any watch, any outfit.
21:56
[SPEAKER_00]: I was building a lifestyle that would be fruitful and that could be a part of my legacy.
22:06
[SPEAKER_00]: I remember I was driving a 2000, 2000, I think it's a 2002 Accurate L. Had no AC in it.
22:18
[SPEAKER_00]: And I went to pick up the only lady to go out on the date.
22:23
[SPEAKER_00]: And y'all, she was a little embarrassed with what I picked her up in.
22:28
[SPEAKER_00]: She was talking about the car and I saw you on the news.
22:32
[SPEAKER_00]: I see you doing this thing and I know you got money, but she didn't know in the background that I was saving so that way I can put down 25% of my very first home.
22:44
[SPEAKER_00]: I'm going to hopefully pay it off within three years.
22:48
[SPEAKER_00]: I think sometimes we are so impressed by the image of things that we never really understand what's impressive is what you're building.
23:02
[SPEAKER_00]: and I wish she would have asked me to shoot like, oh man, so you're dropping in, so I know you're Anthony, so what's the purpose behind you driving in?
23:08
[SPEAKER_00]: It's like, what are you really doing behind closed doors?
23:11
[SPEAKER_00]: I would have gladly told her, I'd dinner my goals, my dream, my vision, why I want to do this?
23:17
[SPEAKER_00]: Because I didn't see my parents build wealth.
23:21
[SPEAKER_00]: I didn't see my parents have financial freedom.
23:25
[SPEAKER_00]: Some of my mom and dad were caught just to provide for us.
23:29
[SPEAKER_00]: which brings me to the final piece.
23:33
[SPEAKER_00]: The one that I believe is actually the most important of all of these that I've had to learn myself.
23:46
[SPEAKER_00]: The sixth and the final thing I did
23:52
[SPEAKER_00]: And this is the one that I truly do believe, Ashley, I know, separates the people who build wealth.
23:58
[SPEAKER_00]: I will say from the people who almost build wealth.
24:04
[SPEAKER_00]: I stay with the plan.
24:07
[SPEAKER_00]: I stuck to my decision.
24:10
[SPEAKER_00]: You see, I didn't build wealth because I was the smartest person in the room.
24:15
[SPEAKER_00]: Y'all gonna be honest with you.
24:16
[SPEAKER_00]: And I say this respectfully and I love them.
24:18
[SPEAKER_00]: I didn't build wealth because I had the opportunity to work with Dave Ramsey.
24:23
[SPEAKER_00]: Yes, I had access, yes, I learned a lot, but learning a lot and seeing a lot if you don't apply it and work the plan and stay consistent with the plan, it doesn't matter what I had access to.
24:36
[SPEAKER_00]: You see, I built wealth because I refuse to quit and I refuse to be in last place.
24:44
[SPEAKER_00]: When life got hard, I stayed with the plan.
24:47
[SPEAKER_00]: Y'all, I remember when I first left Ramsay Man for the 90 days, I didn't make any money.
24:52
[SPEAKER_00]: I didn't quit.
24:54
[SPEAKER_00]: I had a plan, I had a strategy, and watched this a part of my plan in strategy was to steal, tie, the off of what I was paying myself from the savings account.
25:04
[SPEAKER_00]: And I didn't quit, I kept giving, even though I wasn't making any money.
25:11
[SPEAKER_00]: When the market dropped, I still kept investing.
25:16
[SPEAKER_00]: When unexp�ed this showed up and they still are showing up, I adapted, I adjusted, and I overcame.
25:24
[SPEAKER_00]: And now I just got back on the plan.
25:30
[SPEAKER_00]: Most people don't fail because their plan is bad.
25:35
[SPEAKER_00]: They fail because they abandoned the plan.
25:40
[SPEAKER_00]: they're consistent for 90 days and then life happens and then now the sun is going to stop.
25:45
[SPEAKER_00]: And then it got to start all the way over.
25:47
[SPEAKER_00]: And then they stop again.
25:49
[SPEAKER_00]: And that cycle will keep you broke forever.
25:54
[SPEAKER_00]: I want to say something and if I was in the church I would say maybe you better write this one down.
25:58
[SPEAKER_00]: Consistency always beats intensity always
26:04
[SPEAKER_00]: The person who invest $300 a month for 30 years will always outperform the person who invest $3,000 for this eight three years.
26:13
[SPEAKER_00]: And quits.
26:21
[SPEAKER_00]: Consistency is your best friend.
26:27
[SPEAKER_00]: And the preacher to pastor me will say, man, consistency is not just an area of money, but because consistency will be an area of your health.
26:37
[SPEAKER_00]: Consistency could be in your marriage.
26:39
[SPEAKER_00]: Consistency could be on your job.
26:42
[SPEAKER_00]: If you, let me just go ahead and say this.
26:45
[SPEAKER_00]: Let me just go ahead and say this.
26:47
[SPEAKER_00]: I'm saying this.
26:48
[SPEAKER_00]: I'm a let y'all go.
26:51
[SPEAKER_00]: Y'all, I went back to school because I knew I wasn't a smartest person in a financial field.
26:55
[SPEAKER_00]: And I wanted to grow any law.
26:57
[SPEAKER_00]: But as you all have seen some things are changing within my content.
27:01
[SPEAKER_00]: It still shots me that you all still want me to teach every single thing that Dave Ramsey teaches.
27:06
[SPEAKER_00]: If that was the case, I just would have stayed there.
27:09
[SPEAKER_00]: But as I'm evolving and growing into my own name and brand, there's going to be things that Dave Ramsey doesn't agree with and there's going to be some things that I'm changing that I used to say.
27:19
[SPEAKER_00]: It's called Evolvement, right?
27:23
[SPEAKER_00]: But one thing I've learned and how we've been able to build this massive and this huge community, this huge brand and as God is continuing to bless us, it wasn't because I was a smartest person because I was the most consistent, a one of the most consistent.
27:37
[SPEAKER_00]: getting 1.1 million subscribers within a matter of five years on YouTube alone, that wasn't because of my intelligence.
27:45
[SPEAKER_00]: It was because I was consistent, watched this, and learning, consistent, and riding, consistent, and delivering content, and showing up.
27:53
[SPEAKER_00]: I was consistent.
27:55
[SPEAKER_00]: Listen, you don't have to be the smartest.
27:57
[SPEAKER_00]: You just have to be consistent, and learning, and a consistent, and applying what you learn.
28:04
[SPEAKER_00]: You'll outdo the smartest people because sometimes smart people are lazy, because they know they have the intellect, but they don't have the consistency.
28:15
[SPEAKER_00]: So I want to leave you with this.
28:19
[SPEAKER_00]: You might be the first person in your family.
28:22
[SPEAKER_00]: Honestly, it's beyond us to get this right.
28:25
[SPEAKER_00]: And that is not a burden, that is a complete honor.
28:28
[SPEAKER_00]: You're not just building wealth for yourself.
28:31
[SPEAKER_00]: You are building a foundation that your children and your children, grandchildren will stand on.
28:38
[SPEAKER_00]: You're breaking cycles.
28:40
[SPEAKER_00]: You're starting a legacy.
28:42
[SPEAKER_00]: And to me, I don't know about you,
28:46
[SPEAKER_00]: that is worth every sacrifice, every delay purchase, every moment of discipline.
28:58
[SPEAKER_00]: At 42, I get excited about actually saying no to myself, so I can say yes to my children.
29:07
[SPEAKER_00]: We're getting excited about that.
29:09
[SPEAKER_00]: So here's the plan.
29:13
[SPEAKER_00]: Change the way you think about money.
29:15
[SPEAKER_00]: And today, starting today, I need you to get organized.
29:17
[SPEAKER_00]: I need you to budget every month, tracking that worth twice.
29:20
[SPEAKER_00]: And the best way to do that is to download our app, go to anthoneo.com.
29:24
[SPEAKER_00]: For us, app, you be able to do the every dollar budget.
29:28
[SPEAKER_00]: I mean, not every dollar, I'm sorry.
29:29
[SPEAKER_00]: You will be able to do a zero-based budget.
29:33
[SPEAKER_00]: And you'll be able to track your network two times a year.
29:37
[SPEAKER_00]: Then you've got to eliminate the drama.
29:40
[SPEAKER_00]: I need you to pay off your consumer debt and build that emergency fund, invest consistently.
29:45
[SPEAKER_00]: Listen, it doesn't need to be perfect every single month.
29:47
[SPEAKER_00]: I just need you consistently putting something in it.
29:50
[SPEAKER_00]: And the last thing you want to know is you got to live below your means.
29:52
[SPEAKER_00]: A stick to the plan.
29:54
[SPEAKER_00]: No matter what.
29:56
[SPEAKER_00]: That's it.
29:58
[SPEAKER_00]: That's the whole thing.
30:00
[SPEAKER_00]: That's not complicated.
30:02
[SPEAKER_00]: But it does require something most people aren't willing to give.
30:08
[SPEAKER_00]: time and consistency.
30:12
[SPEAKER_00]: I went home this at 19 to financially free on a yacht.
30:21
[SPEAKER_00]: Not because I was special, but because I had a plan and I refused to quit.
30:26
[SPEAKER_00]: And here's the truth.
30:27
[SPEAKER_00]: You can do it too.
30:29
[SPEAKER_00]: And I need you to believe that.
30:32
[SPEAKER_00]: There's nothing special about me because
30:40
[SPEAKER_00]: He put me in rooms.
30:42
[SPEAKER_00]: I studied those rooms.
30:45
[SPEAKER_00]: I listened to podcasts.
30:47
[SPEAKER_00]: I read books.
30:49
[SPEAKER_00]: I came up with the plan.
30:51
[SPEAKER_00]: I came up with the strategy.
30:54
[SPEAKER_00]: And I stuck with it, even when people would tell them you're crazy.
30:57
[SPEAKER_00]: You know how many people told me?
30:58
[SPEAKER_00]: And even still to this day, I got people making blogs about me.
31:01
[SPEAKER_00]: You know, like, oh my God, what Anthony teaches, I know consumer debt and debt is this.
31:05
[SPEAKER_00]: That is that he's stupid.
31:07
[SPEAKER_00]: He needs, not, I mean, okay?
31:10
[SPEAKER_00]: I'm sticking to my plan, no matter what people, no matter what you all say, I'm sticking to my plan.
31:17
[SPEAKER_00]: And because I'm sticking to my plan, I was able to buy my first ever estate home.
31:23
[SPEAKER_00]: I was able to purchase my dream cars, cash.
31:26
[SPEAKER_00]: I was able to go and treat myself every year to a Yacht Cruise because I'm sticking to the plan.
31:32
[SPEAKER_00]: to build homes in Ghana, in Africa, because I'm sick into the planet.
31:37
[SPEAKER_00]: When I turn 50, 55 years old, I'm gonna retire in Africa.
31:44
[SPEAKER_00]: The best thing you can do for yourself and for your future is to make the right decision to date.
31:52
[SPEAKER_00]: And that right decision, on top of a right decision, on top of a right decision, on top of a right decision is gonna compound
32:01
[SPEAKER_00]: into rewards.
32:03
[SPEAKER_00]: And here's what I love.
32:07
[SPEAKER_00]: And there's a good hand up today's episode.
32:12
[SPEAKER_00]: That that reward.
32:18
[SPEAKER_00]: You'll see 25 percent of that reward.
32:22
[SPEAKER_00]: But the ones after you will see the bulk of the reward.
32:32
[SPEAKER_00]: strive to be consistent, every single day, I remember when I was in a adult.
32:43
[SPEAKER_00]: My room used to be messy.
32:44
[SPEAKER_00]: I was like, you know what, everything that I'm going to make the bed.
32:49
[SPEAKER_00]: So every single day, I just made the bed.
32:52
[SPEAKER_00]: Then, once making the bed became a habit, I said, you know what, every single day, I'm going to clean the
33:02
[SPEAKER_00]: hair from my beard and brush in the sink, and then that became an habit.
33:12
[SPEAKER_00]: To now, my bedroom and my mouse about the room, I can't say it's perfectly spotless,
33:33
[SPEAKER_00]: and then consistency ends up becoming in habit, that habit ends up becoming something that, wow, when you look back at it, it's like, wow, I've come a long ways.
33:44
[SPEAKER_00]: You all have seen the pictures, man.
33:48
[SPEAKER_00]: I went from 198 pounds down to 165.
33:53
[SPEAKER_00]: Consistency of eating the right things and getting up every single day and making a right decision and the reward is hopefully I can live longer.
34:05
[SPEAKER_00]: don't try to be perfect.
34:08
[SPEAKER_00]: You don't have to be the smartest.
34:10
[SPEAKER_00]: I just need you to go back and listen to this again.
34:13
[SPEAKER_00]: Watch this again.
34:14
[SPEAKER_00]: Write down those six steps.
34:16
[SPEAKER_00]: Get a copy of my book, stop living paycheck to pay it as coming out on August 25th.
34:22
[SPEAKER_00]: I promise you, within the next 12 to 18 months, your life is going to be different.
34:28
[SPEAKER_00]: If you enjoyed today's episode, please hit that thumbs up.
34:32
[SPEAKER_00]: Please hit that share button and share it as well to Fran.
34:36
[SPEAKER_00]: I'll see you in our next episode.
34:38
[SPEAKER_00]: Peace out.