Latest / The Table with Anthony ONeal / The Only 2 Index Funds You Need to Start With $50 in 2026 (Step-by-Step)

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The Only 2 Index Funds You Need to Start With $50 in 2026 (Step-by-Step) · The Table with Anthony ONeal

• 0:00
  [SPEAKER_00]: Your bank is paying you 0.07% on your money right now in 2026.
• 0:06
  [SPEAKER_00]: That's a national average on a check in account, and that's the FDIC's number, that's not mine.
• 0:12
  [SPEAKER_00]: Inflation right now, as of the time of recording this, is right around 3.4%.
• 0:17
  [SPEAKER_00]: You've been, uh, I would say, telling yourself, you're going to start investing once you got $5,000 saved.
• 0:24
  [SPEAKER_00]: So, say you get there, you scrap it together, and you leave it in the checking like a responsible person.
• 0:31
  [SPEAKER_00]: At 0.07%, your bank pays you $3.50 for the entire year, but at 3.4% inflation, that same $5,000 is going to lose $170 in buying power.
• 0:47
  [SPEAKER_00]: So you saved the money, right?
• 0:49
  [SPEAKER_00]: You did what you were told.
• 0:51
  [SPEAKER_00]: And you still went backwards, $166.
• 0:55
  [SPEAKER_00]: Think about that.
• 0:56
  [SPEAKER_00]: You see, most people think the stock market is for people who already have a lot of money.
• 1:01
  [SPEAKER_00]: And that is a lie.
• 1:02
  [SPEAKER_00]: And I believe the version of that for years, I'm gonna be very honest and vulnerable in today's show.
• 1:09
  [SPEAKER_00]: Because today, I'm going to give you two funds, 19, $2, $40 into one, $10 into the second.
• 1:18
  [SPEAKER_00]: This is what we call 80, 20.
• 1:20
  [SPEAKER_00]: And with $50, you own a piece of more than 12,000 companies in America and watch this around the world.
• 1:28
  [SPEAKER_00]: With me being a citizen, a dual citizen of Ghana, I think it's important for us to have some ownership outside of America.
• 1:38
  [SPEAKER_00]: We're going to be doing this though, inside a regular taxable brokerage account, and I'd be straight with you, you could also do this inside of a Roth IRA or a traditional IRA.
• 1:51
  [SPEAKER_00]: Now, the Roth does have tax advantages that a tax per brokerage account does not have.
• 1:57
  [SPEAKER_00]: Both work with the $50.
• 1:59
  [SPEAKER_00]: But today, I'm walking you through the brokerage account because it is the simplest door to open today.
• 2:06
  [SPEAKER_00]: And there's nothing you have to learn first.
• 2:09
  [SPEAKER_00]: Hear me clearly.
• 2:10
  [SPEAKER_00]: So I want you to grab your phone.
• 2:12
  [SPEAKER_00]: I'm giving you the two funds displayed.
• 2:15
  [SPEAKER_00]: Where are the $50 comes from and what is worth in 30 years?
• 2:19
  [SPEAKER_00]: And I'm not making you way 20 minutes for the answer.
• 2:23
  [SPEAKER_00]: You're going to get them within a next three minutes.
• 2:25
  [SPEAKER_00]: So keep it locked.
• 2:26
  [SPEAKER_00]: Pull your chair up to the table and let's get into it.
• 2:30
  [SPEAKER_00]: Let me give it to you.
• 2:31
  [SPEAKER_00]: Here's a very first fund.
• 2:33
  [SPEAKER_00]: It is VTI.
• 2:34
  [SPEAKER_00]: This is Vanguard Total Stop Market.
• 2:37
  [SPEAKER_00]: $40 of your $50 is going to go here.
• 2:40
  [SPEAKER_00]: That's the 80% you fill me.
• 2:43
  [SPEAKER_00]: All right, you follow me.
• 2:44
  [SPEAKER_00]: I'm already given it to you.
• 2:46
  [SPEAKER_00]: So now with this one, you're going to be buying about 3,500 American companies in one purchase.
• 2:53
  [SPEAKER_00]: I'm talking about Apple.
• 2:54
  [SPEAKER_00]: I'm talking about Microsoft.
• 2:55
  [SPEAKER_00]: I'm talking about Nvidia.
• 2:56
  [SPEAKER_00]: I'm talking about Amazon.
• 2:58
  [SPEAKER_00]: The companies who products are in your hand and in your house right now, plus thousands of I'll say smaller ones you've never heard of, but still important to own.
• 3:08
  [SPEAKER_00]: It's going to cost about
• 3:15
  [SPEAKER_00]: Now, the second fund is VXUS Vanguard Total International Stock.
• 3:21
  [SPEAKER_00]: Now, your $10 is going to go here, not that's the 20%.
• 3:27
  [SPEAKER_00]: This one, you're going to own little, little, close to 8,900 companies outside of the United States, Toyota, yep, Samsung, ASML, which builds watch this, the machines that make the chips inside of your cell phone that you're holding right now watching me.
• 3:47
  [SPEAKER_00]: Now, this calls about 0.05%.
• 3:50
  [SPEAKER_00]: Now, if you put these together,
• 3:54
  [SPEAKER_00]: You're going to own a little over 12,000 companies for $50.
• 3:59
  [SPEAKER_00]: $3,500 here in 800 and 84 overseas.
• 4:04
  [SPEAKER_00]: And you didn't pick a single one of them, which is the, in my personal opinion, the entire point.
• 4:11
  [SPEAKER_00]: And they say this thing for you to do with your $50.
• 4:14
  [SPEAKER_00]: Here,
• 4:24
  [SPEAKER_00]: You're going to open it up.
• 4:27
  [SPEAKER_00]: You're going to type VTI and a price of one share is a whole lot more than $50.
• 4:33
  [SPEAKER_00]: So you close it and you're going to tell yourself what you've always told yourself.
• 4:38
  [SPEAKER_00]: This was built for somebody who has that kind of bag, who has that kind of money, who has more money than you.
• 4:47
  [SPEAKER_00]: Here's what changed because it did not work this way.
• 4:52
  [SPEAKER_00]: But I would say I started back in the early 2000s.
• 4:57
  [SPEAKER_00]: It's called fractional investing or with some may call it dollar based investing.
• 5:04
  [SPEAKER_00]: Instead of buying shares, you buy dollars.
• 5:07
  [SPEAKER_00]: You type in $40, the brokerage buys you whatever piece of a share $40 gets you and you own that piece.
• 5:16
  [SPEAKER_00]: it pays you dividends on that.
• 5:18
  [SPEAKER_00]: I will say that specific piece.
• 5:20
  [SPEAKER_00]: It grows on that piece.
• 5:23
  [SPEAKER_00]: There is no version of this where you need the full share price first.
• 5:29
  [SPEAKER_00]: Now let me say this upfront.
• 5:31
  [SPEAKER_00]: Not every brokerage account does this on funds.
• 5:34
  [SPEAKER_00]: So this matters.
• 5:35
  [SPEAKER_00]: when I personally use today is so fine and so fine does fractional shares on more than watch this 4,000 stocks and ETFs with a $5 minimum.
• 5:47
  [SPEAKER_00]: So if all you got this week is five dollars, that is going to work.
• 5:52
  [SPEAKER_00]: And I'm going to put the link inside of the show description actually should come up on the screen for sofa and vests.
• 5:57
  [SPEAKER_00]: I need you to pause this episode before we move forward and go open up the account today.
• 6:02
  [SPEAKER_00]: If you have $5, we're going into 2027.
• 6:06
  [SPEAKER_00]: There should be no excuses of you owning some stocks.
• 6:10
  [SPEAKER_00]: Go to anthonyonyo.com, $4 slash and vests.
• 6:13
  [SPEAKER_00]: Click on sofa.
• 6:14
  [SPEAKER_00]: That's what I use.
• 6:15
  [SPEAKER_00]: There are two others there.
• 6:17
  [SPEAKER_00]: But I'm talking today specifically about sofa and vests.
• 6:22
  [SPEAKER_00]: because this is the mistake that's going to cost people years.
• 6:26
  [SPEAKER_00]: Moving money into a brokerage account is by walking into a grocery store.
• 6:32
  [SPEAKER_00]: You're in the building, but you haven't purchased anything yet.
• 6:37
  [SPEAKER_00]: You still have to place the order.
• 6:40
  [SPEAKER_00]: You still need to go pick the item,
• 6:44
  [SPEAKER_00]: Take down the item, walk to the register, and purchase the item.
• 6:49
  [SPEAKER_00]: Watch this.
• 6:50
  [SPEAKER_00]: You can even look at the bread.
• 6:53
  [SPEAKER_00]: But if you never pick the bread and go buy the bread, you never own the bread.
• 7:00
  [SPEAKER_00]: A brokerage account is an account that lets you buy investments.
• 7:04
  [SPEAKER_00]: The same way, watch this, I will say a checking account, lets you hold cash.
• 7:10
  [SPEAKER_00]: That's the, I will say the whole definition.
• 7:14
  [SPEAKER_00]: Here's what opening one looks like.
• 7:16
  [SPEAKER_00]: Same information you had at your bank, your name, your address, your social security number.
• 7:21
  [SPEAKER_00]: You'll link your check in that count and you're going to move $50 or $5 over and the whole thing takes less than 10 minutes.
• 7:29
  [SPEAKER_00]: When I open my up years and years ago it took me not even I think five minutes but I want to be honest it could take you 10 minutes if this is going to be your first time doing it.
• 7:37
  [SPEAKER_00]: And here's the honest reason we're using a taxable account today.
• 7:43
  [SPEAKER_00]: It's a simplest door.
• 7:45
  [SPEAKER_00]: There's no income limit that disqualifies you.
• 7:48
  [SPEAKER_00]: No annual cap you have to track.
• 7:51
  [SPEAKER_00]: Your $5 or $50 goes in, it goes to work, and it's still yours, and it's still reachable.
• 7:59
  [UNKNOWN]: Think about that.
• 8:00
  [SPEAKER_00]: And hear me, hear me clearly.
• 8:03
  [SPEAKER_00]: Any brokerage will work for what I just taught you.
• 8:06
  [SPEAKER_00]: If you already have one, hey, use that one.
• 8:09
  [SPEAKER_00]: I'm cool with that.
• 8:10
  [SPEAKER_00]: But if you've been putting this off because you didn't know where to start, that is the door.
• 8:18
  [SPEAKER_00]: Now, let's have this conversation.
• 8:19
  [SPEAKER_00]: Why, 80, 20?
• 8:21
  [SPEAKER_00]: Let me break this down.
• 8:24
  [SPEAKER_00]: Check this out, family.
• 8:25
  [SPEAKER_00]: Did you know that nearly four in 10 American still have zero money invested in the stock market?
• 8:32
  [SPEAKER_00]: That's a gap where wealth is built or missed.
• 8:35
  [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.
• 8:43
  [SPEAKER_00]: While your savings account is barely keeping up with inflation.
• 8:47
  [SPEAKER_00]: I want to make this plan.
• 8:48
  [SPEAKER_00]: If you wait just five years to start investing, you could lose out on hundreds of thousands of dollars in future wealth.
• 8:54
  [SPEAKER_00]: That's not hype, that's real math.
• 8:56
  [SPEAKER_00]: The wealthiest 10% of Americans now own over 90% of all stocks because they started and they stayed consistent.
• 9:04
  [SPEAKER_00]: But here's the thing, you don't need to be rich to honestly get inside of the investing game.
• 9:09
  [SPEAKER_00]: With platforms like SoFi Invest, Public and Moomoo, you can open the account today, start with as little as $1 literally, and buy fractional shares of the same assets that have built generational wealth for millions.
• 9:22
  [SPEAKER_00]: No commissions, 100% no excuses on your in.
• 9:25
  [SPEAKER_00]: Listen, I need you to hear me clearly.
• 9:27
  [SPEAKER_00]: Stop sitting on the sidelines.
• 9:29
  [SPEAKER_00]: Go to anthonyoneo.com for session vests right now to compare the top investing platforms and open your first investing account today.
• 9:37
  [SPEAKER_00]: Your future self and your children's children will thank you for taking action right now.
• 9:43
  [SPEAKER_00]: We have to start building wealth, not just watching others get rich.
• 9:48
  [SPEAKER_00]: Do not let another year go by, as a matter of fact, don't let another day go by.
• 9:53
  [SPEAKER_00]: Take the first step, family.
• 9:54
  [SPEAKER_00]: Visit anthonyonil.com for Sasha Invest.
• 9:57
  [SPEAKER_00]: Let's get to work.
• 9:58
  [SPEAKER_00]: Let's start investing ASAP.
• 10:00
  [SPEAKER_00]: Let's get back to the show.
• 10:03
  [SPEAKER_00]: 80 goes to America.
• 10:06
  [SPEAKER_00]: 20 is going to go everywhere else because this is the part that's actually a decision I would say.
• 10:13
  [SPEAKER_00]: The 80 is your foundation.
• 10:15
  [SPEAKER_00]: VTI is the whole American market.
• 10:18
  [SPEAKER_00]: weighted by size, which means the biggest companies take up the most room in it.
• 10:23
  [SPEAKER_00]: And I'll be honest about what that actually means for us, because most people handing you an index fund will not be honest with you.
• 10:32
  [SPEAKER_00]: When somebody tells you that you own 3,524 companies to be exact,
• 10:37
  [SPEAKER_00]: what you actually own is a few dozen doing most of the driving and the rest are simply alone for the ride.
• 10:45
  [SPEAKER_00]: The largest companies make up a huge share of that fund and right now they tend to move together and both directions.
• 10:55
  [SPEAKER_00]: I want to make sure that you understand this.
• 10:57
  [SPEAKER_00]: I'm bringing this all the way down because that is the reason why most people skip it.
• 11:04
  [SPEAKER_00]: That's a reason to know what you own.
• 11:07
  [SPEAKER_00]: The American market has average about 10% a year over the last several decades.
• 11:13
  [SPEAKER_00]: The key word though here is average.
• 11:15
  [SPEAKER_00]: Some years, we saw a 20 to 23% some years, it fell hard.
• 11:20
  [SPEAKER_00]: And the people who didn't understand the word, right, sold at the bottom.
• 11:26
  [SPEAKER_00]: Index funds,
• 11:29
  [SPEAKER_00]: I'm often often attacked for this because index funds are not funded, they're not sexy, they're not attractive, they are absolutely boring.
• 11:37
  [SPEAKER_00]: Nobody is posting a screenshot of a total market fund.
• 11:43
  [SPEAKER_00]: They work anyway.
• 11:45
  [SPEAKER_00]: And for me, that is a whole market.
• 11:47
  [SPEAKER_00]: We'll love the post what we did in day trading, but we will not post what we lost in day trading.
• 11:54
  [SPEAKER_00]: Now, let's talk about the 20%.
• 11:57
  [SPEAKER_00]: The United States is not the only place on earth where people get up and go to work.
• 12:03
  [SPEAKER_00]: VXUS is all the rest of it.
• 12:06
  [SPEAKER_00]: And when America has a decade that's disappointing or disappoints, and it has those decades as be honest, that $10 is doing something that you're 40 isn't.
• 12:21
  [SPEAKER_00]: See,
• 12:23
  [SPEAKER_00]: And before I move on to the next thing, I want to say this, I want you to go back to the beginning of this year, 2026.
• 12:30
  [SPEAKER_00]: This year is all about strategy and they have the right strategy, you've got to have different plays within that strategy.
• 12:36
  [SPEAKER_00]: This is why we're doing 80% here, 20% there, because a 20% is a part of the strategy.
• 12:44
  [SPEAKER_00]: But now let's talk about the math.
• 12:46
  [SPEAKER_00]: And I'm starting with the number that argues against me because you shouldn't trust anybody who only shows you the good one.
• 12:55
  [SPEAKER_00]: Take that $50 and best of today and exactly what I just told you.
• 13:00
  [SPEAKER_00]: Never add another dollar.
• 13:03
  [SPEAKER_00]: And if you want to follow on with this math, you can go to anthonyoneel.com for slash.
• 13:09
  [SPEAKER_00]: We'll just go to anthonyel.
• 13:10
  [SPEAKER_00]: anthonyoneel.com.
• 13:11
  [SPEAKER_00]: And you will see my investment calculators there that have been updated within the last, I'll say, couple of weeks.
• 13:17
  [SPEAKER_00]: And type these numbers in for yourself.
• 13:19
  [SPEAKER_00]: So in 30 years, at 10% a year is worth $872, at 8% is worth $500 and $3.
• 13:24
  [SPEAKER_00]: So $872, that's it.
• 13:24
  [SPEAKER_00]: That's what $50 does by itself with you never investing another dime.
• 13:39
  [SPEAKER_00]: So let me rename this.
• 13:41
  [SPEAKER_00]: That $50 is not an investment.
• 13:44
  [SPEAKER_00]: That $50 is an enrollment.
• 13:47
  [SPEAKER_00]: It turns you into, I will say, an owner instead of somebody planning to become one.
• 13:53
  [SPEAKER_00]: And everything you do after it is where the money actually lives.
• 13:58
  [SPEAKER_00]: So here's what happens when you make it, let's say, $50 every two weeks.
• 14:03
  [SPEAKER_00]: We're looking at now at what $1,300, I will say, a year.
• 14:08
  [SPEAKER_00]: In 10 years, you've put in a say $13,000 and you've gotten in between $19,801 and $22,200 depending on whether the market gives you $8 or 10%, I like to be honest.
• 14:23
  [SPEAKER_00]: I like to leave with 10, but I like to be real, right?
• 14:26
  [SPEAKER_00]: It could be 8%.
• 14:28
  [SPEAKER_00]: In 20 years, you've put in $26,000 and you've received anywhere between 64 and $82,000.
• 14:37
  [SPEAKER_00]: Huh, this is off 50 dollars every time you get paid, which is twice a month.
• 14:42
  [SPEAKER_00]: And 30 years you've put in 39,000 dollars and you've gotten in between 162 of to maybe around 247,000 dollars.
• 14:56
  [SPEAKER_00]: This is off of $50 every two weeks, some months that could be 100, some months that could be 150 depending on the kind of month that you have.
• 15:07
  [SPEAKER_00]: So I'm going to just sit with that number for a second.
• 15:11
  [SPEAKER_00]: You put in $39,000.
• 15:14
  [SPEAKER_00]: The market did the other $277,000.
• 15:18
  [SPEAKER_00]: You didn't pick a stock.
• 15:20
  [SPEAKER_00]: You didn't watch a chart.
• 15:21
  [SPEAKER_00]: You didn't time anything.
• 15:23
  [SPEAKER_00]: You didn't get up at five o'clock in the morning the time to market and you didn't get lucky.
• 15:28
  [SPEAKER_00]: You moved $50 twice a month and you left it alone.
• 15:36
  [SPEAKER_00]: And at eight percent, the number I use when I want to be careful
• 15:41
  [SPEAKER_00]: You still put in $39,000.
• 15:42
  [SPEAKER_00]: And you still ended up with an extra $102,000.
• 15:48
  [SPEAKER_00]: The growth, I would say it's more than four times what you contributed anyway.
• 15:54
  [SPEAKER_00]: Now somebody, let's be honest, watching this is in their late 40s to 50s.
• 16:01
  [SPEAKER_00]: You just heard me say 30 years, and you did the math in your head.
• 16:05
  [SPEAKER_00]: And you've already said, oh heck, no, A.L.
• 16:08
  [SPEAKER_00]: This video ain't for me.
• 16:10
  [SPEAKER_00]: Man should, I'm gonna be what?
• 16:12
  [SPEAKER_00]: 6 to 7, I'm gonna be almost $80.
• 16:15
  [SPEAKER_00]: Okay, go back to the 20-year column.
• 16:18
  [SPEAKER_00]: $26,000 in, $82,000 out, you're $67.
• 16:24
  [SPEAKER_00]: It's not a bad situation.
• 16:26
  [SPEAKER_00]: That's more than what most people are retiring with today, and that's so sad.
• 16:32
  [SPEAKER_00]: And you started with the only $50 on a Tuesday night, or maybe on a Friday payday.
• 16:39
  [SPEAKER_00]: Here's the part that should sting just a little.
• 16:44
  [SPEAKER_00]: The average American household spends about $329 a month eating out.
• 16:49
  [SPEAKER_00]: Plan I just gave you cost you $108 a month.
• 17:05
  [SPEAKER_00]: I'm not going to say that.
• 17:06
  [SPEAKER_00]: But I think you get my silence.
• 17:10
  [SPEAKER_00]: You see, I believe that the greatest enemy to our financial success is our excuse.
• 17:18
  [SPEAKER_00]: If we could spend $329 a month eating out, but then complain or say I don't have $50 every two weeks, I'm gonna leave that right there.
• 17:36
  [SPEAKER_00]: because that's how this conversation, I hear you.
• 17:40
  [SPEAKER_00]: Some people might say, answer, I don't have for the dollars, or where the dollar's going to come from.
• 17:44
  [SPEAKER_00]: Because if I don't answer this question, I've handed you the strategy that you can execute.
• 17:51
  [SPEAKER_00]: But some of you are saying you can't.
• 17:54
  [SPEAKER_00]: So let's talk about this for a little bit.
• 17:58
  [SPEAKER_00]: A budget gives you a your money direction
• 18:07
  [SPEAKER_00]: the direction should be in these two funds.
• 18:10
  [SPEAKER_00]: You've been watching the shows with me in court and you're saying Anthony, I don't have 500.
• 18:14
  [SPEAKER_00]: I don't have $1,000 and I get it, man.
• 18:17
  [SPEAKER_00]: I think sometimes in this financial literacy space, we overlook the individuals who say, yo, I ain't got that, but I can come up with 50.
• 18:25
  [SPEAKER_00]: I can come up with 25.
• 18:28
  [SPEAKER_00]: But before we do that, let me say this.
• 18:34
  [SPEAKER_00]: I'm not asking you to find $1,300.
• 18:38
  [SPEAKER_00]: I'm asking you to find $50 every two weeks for the next 12 months.
• 18:43
  [SPEAKER_00]: And you almost certainly have it inside of your budget.
• 18:48
  [SPEAKER_00]: Can I be honest with you?
• 18:49
  [SPEAKER_00]: It's just going somewhere you wouldn't choose if somebody made you choose out loud.
• 18:57
  [SPEAKER_00]: What do you mean by that?
• 18:58
  [SPEAKER_00]: It's out of conversation.
• 19:01
  [SPEAKER_00]: Let's start with your car insurance, because this is the easiest money in the video.
• 19:06
  [SPEAKER_00]: I've recently put a tool on my website about a year ago that pulls real quotes from a bunch of carriers around the US.
• 19:14
  [SPEAKER_00]: You put in your zip code, you answer a few questions, and it takes about not even 30 seconds.
• 19:21
  [SPEAKER_00]: It doesn't touch a credit.
• 19:23
  [SPEAKER_00]: And here's a thing, more than 90% of the people,
• 19:26
  [SPEAKER_00]: who run it came out paying less than what they were paying before and some took $400 a year off their bill.
• 19:34
  [SPEAKER_00]: $400 a year is $33 a month and this plan cost you $18 a month.
• 19:41
  [SPEAKER_00]: So one form covers a third of it and some some of you's going to be more than half.
• 19:49
  [SPEAKER_00]: $400 a year, $33 a month.
• 19:56
  [SPEAKER_00]: Now, I want you to watch what just happened.
• 19:59
  [SPEAKER_00]: You didn't give up anything.
• 20:01
  [SPEAKER_00]: You didn't cancel a subscription.
• 20:03
  [SPEAKER_00]: You didn't eat at home.
• 20:05
  [SPEAKER_00]: You didn't cut one thing out for your life.
• 20:08
  [SPEAKER_00]: You filled out a form one time.
• 20:12
  [SPEAKER_00]: And that money shows up every month from here on without you doing another thing.
• 20:18
  [SPEAKER_00]: Strategy.
• 20:20
  [SPEAKER_00]: All you have to do is go to www.anthinunil.com for us as car insurance should be up on the screen with definitely having this side of the car.
• 20:27
  [SPEAKER_00]: I'm hitting not car note, Lord Jesus inside the show notes.
• 20:30
  [SPEAKER_00]: Now here's no thing, y'all ain't gonna like this one, your phone bill.
• 20:36
  [SPEAKER_00]: See the major carriers are running anywhere between $7,200 a month.
• 20:40
  [SPEAKER_00]: but there are carriers on those same networks, on those same cell phone towers, charging 15 to 30 miles a month.
• 20:46
  [SPEAKER_00]: For a family of four, that difference is a car payment.
• 20:50
  [SPEAKER_00]: You're handing a phone company for the privilege of a logo.
• 20:55
  [SPEAKER_00]: That one cost you an afternoon.
• 20:59
  [SPEAKER_00]: But then let's go deeper.
• 21:01
  [SPEAKER_00]: Devdling on my this one, delivery apps.
• 21:04
  [SPEAKER_00]: And this is the only one that asks you to change a habit, which is why I put it last.
• 21:10
  [SPEAKER_00]: The food on those apps is marked up about 79.5% over what you will pay just walking your behind through the door.
• 21:19
  [SPEAKER_00]: And that's before delivery fee.
• 21:21
  [SPEAKER_00]: And before the tip, three orders a month, and you found your $50 twice over.
• 21:30
  [SPEAKER_00]: I just got into an argument with somebody.
• 21:31
  [SPEAKER_00]: He was telling me, yeah, I priced a hot dog that at Walmart cost $10.
• 21:40
  [SPEAKER_00]: What kind of hot dogs at all?
• 21:42
  [SPEAKER_00]: Because I'm going to install car right now, they're $10.
• 21:45
  [SPEAKER_00]: I said man, it's the car prices that they jack it up.
• 21:48
  [SPEAKER_00]: I'm going to Walmart.com for the same hot dogs that he saw on Instagram for $10 to some change.
• 21:55
  [SPEAKER_00]: I saw for $3.99 for a pack of eight.
• 22:00
  [SPEAKER_00]: Do you see how convenience spikes sit up?
• 22:03
  [SPEAKER_00]: So that's just for the hot dog.
• 22:05
  [SPEAKER_00]: That doesn't include the delivery fee.
• 22:06
  [SPEAKER_00]: That doesn't include the tip.
• 22:10
  [SPEAKER_00]: So for $3,000, some change, you're going to spend about $20,000.
• 22:17
  [SPEAKER_00]: Listen, I'm not telling you to live small because I live small.
• 22:23
  [SPEAKER_00]: And I did not like that either.
• 22:25
  [SPEAKER_00]: Early in COVID, man, I purchased a Gucci backpack for almost $3,000.
• 22:30
  [SPEAKER_00]: I wasn't traveling anywhere.
• 22:32
  [SPEAKER_00]: And if I'm being honest, I didn't need it.
• 22:34
  [SPEAKER_00]: But I had the money.
• 22:35
  [SPEAKER_00]: And I was financially free.
• 22:37
  [SPEAKER_00]: I didn't have any consumer debt.
• 22:39
  [SPEAKER_00]: But instead of my closet, and I looked at it, just because I had the money, didn't mean I needed to spend the money.
• 22:45
  [SPEAKER_00]: So I took that joint back.
• 22:48
  [SPEAKER_00]: $3,000 back in my account.
• 22:51
  [SPEAKER_00]: Then what did I do?
• 22:52
  [SPEAKER_00]: I automated.
• 22:54
  [SPEAKER_00]: I set up recurring transfers.
• 22:59
  [SPEAKER_00]: You want to make a decision one time, not 26 times a year, because a version of you who has to decide every other Friday is going to lose half of those Friday's.
• 23:11
  [SPEAKER_00]: Because you're going to see friends, you're going to see things that you want, you're going to want to go out of have a good time, was there's nothing wrong with that.
• 23:18
  [SPEAKER_00]: But remember, the caliber of your future is being determined by the decisions you make today, make one decision
• 23:31
  [SPEAKER_00]: Now, let's talk about the four ways people lose this because you're going to get a chance to make everyone alone.
• 23:41
  [SPEAKER_00]: And I made this, these decisions.
• 23:42
  [SPEAKER_00]: This is why I'm bringing it up.
• 23:44
  [SPEAKER_00]: Here's the first one.
• 23:46
  [SPEAKER_00]: Leaving it in cash.
• 23:48
  [SPEAKER_00]: I've said it twice.
• 23:49
  [SPEAKER_00]: I'm not going to say it again.
• 23:51
  [SPEAKER_00]: Mine was there again.
• 23:52
  [SPEAKER_00]: Here's the second.
• 23:54
  [SPEAKER_00]: It's selling when it drops.
• 23:56
  [SPEAKER_00]: And y'all is going to drop.
• 24:02
  [SPEAKER_00]: So here how this works.
• 24:03
  [SPEAKER_00]: You buy one this up and you buy one this down.
• 24:07
  [SPEAKER_00]: You buy in the month the headlines are ugly.
• 24:10
  [SPEAKER_00]: You buy when your coworker tells you he's getting out until things settle down.
• 24:15
  [SPEAKER_00]: You buy when your account is worth less than what you put into it, which will happen.
• 24:23
  [SPEAKER_00]: And it will feel like evidence that you are wrong.
• 24:26
  [SPEAKER_00]: But it isn't evidence.
• 24:29
  [SPEAKER_00]: It's a 10% average showing you the half of itself that nobody's green shots.
• 24:36
  [SPEAKER_00]: Nobody shows when it's down.
• 24:41
  [SPEAKER_00]: But the third, y'all, I used to do this, I used to get scared, checking it every day.
• 24:50
  [SPEAKER_00]: Your account doesn't grow faster
• 24:54
  [SPEAKER_00]: It gives you 300 more chances a year to do something you're going to regret.
• 25:01
  [SPEAKER_00]: When you open this account, maybe look at it four times a year, once a quarter, don't look at it every day.
• 25:09
  [SPEAKER_00]: And here's the fourth, adding funds.
• 25:13
  [SPEAKER_00]: Somebody on internet is going to name a fund with better reset returns in yours.
• 25:19
  [SPEAKER_00]: And you're going to feel behind chasing the most recent returns is the most expensive habit when it comes to investing.
• 25:28
  [SPEAKER_00]: You own two funds, and 12,368 companies.
• 25:34
  [SPEAKER_00]: Listen to me, family.
• 25:35
  [SPEAKER_00]: You are not missing anything.
• 25:38
  [SPEAKER_00]: Strategy.
• 25:40
  [SPEAKER_00]: I really do believe that God blesses those who are patient and who are willing to wait.
• 25:46
  [SPEAKER_00]: And as your income grows, so will your strategy, so will the opportunities you'll be able to invest in.
• 25:55
  [SPEAKER_00]: But if you're one of the individuals that are saying, AO, I just don't have a whole lot of capital, maybe you need to unfollow certain people on your internet who you know are not negative, but it's just not where you are today.
• 26:07
  [SPEAKER_00]: So that what you can say focus, and you can have blind photos on so you can stay focused on your goals and destination.
• 26:15
  [SPEAKER_00]: So today, before you go to bed, I need you to do four things.
• 26:21
  [SPEAKER_00]: Go to www.anthinolio.com for Sasha Invest.
• 26:24
  [SPEAKER_00]: Open up their account with SoFi, fund it with $50, $25, right?
• 26:29
  [SPEAKER_00]: But let's do $50.
• 26:31
  [SPEAKER_00]: Place the order, $40 and $20 to enter VTI, $10 into VXUS, then set it to repeat every two weeks, every time you get paid.
• 26:42
  [SPEAKER_00]: That's it.
• 26:43
  [SPEAKER_00]: That is a whole episode today.
• 26:48
  [SPEAKER_00]: Don't make any excuses.
• 26:50
  [SPEAKER_00]: Okay, then, I need you to come.
• 26:53
  [SPEAKER_00]: Get into a room with people doing the same work at the same time, because the thing that kills this plan isn't the market.
• 27:00
  [SPEAKER_00]: It's doing it alone for 30 years who have no body, ever asking you how it was going to be done.
• 27:06
  [SPEAKER_00]: You could join this group of people at aofreademcircle.com.
• 27:09
  [SPEAKER_00]: That's aofreademcircle.com.
• 27:12
  [SPEAKER_00]: It is free.
• 27:13
  [SPEAKER_00]: Because progress trackers, so you can watch this thing move the calculator, so you can run your own numbers instead of mine.
• 27:22
  [SPEAKER_00]: We have coaching programs with me every Thursday.
• 27:24
  [SPEAKER_00]: You can upgrade to that if you want and freedom partners.
• 27:28
  [SPEAKER_00]: That is going to be a long side of you.
• 27:30
  [SPEAKER_00]: All right.
• 27:31
  [SPEAKER_00]: I'm telling you, we're building something different, man.
• 27:34
  [SPEAKER_00]: We're going to the 227 different within this community.
• 27:39
  [SPEAKER_00]: $50 doesn't make you an investor.
• 27:41
  [SPEAKER_00]: The next 26 do.
• 27:42
  [SPEAKER_00]: I'll see you in the next episode.
• 27:45
  [SPEAKER_00]: Exactly.