Latest / The Table with Anthony ONeal / WARNING: 95% Will Ignore This 90-Day Money Plan (Don’t Be One of Them)

Transcript

WARNING: 95% Will Ignore This 90-Day Money Plan (Don’t Be One of Them) · The Table with Anthony ONeal

0:00
[SPEAKER_00]: Let's get straight into it in today's episode.
0:02
[SPEAKER_00]: All right, if you do these five things for the next 90 days, you'll be ahead of 95% of Americans financially.
0:11
[SPEAKER_00]: I'm not talking about the getting rich, click overnight.
0:16
[SPEAKER_00]: None of them.
0:17
[SPEAKER_00]: This is about building a foundation that most people will never have.
0:22
[SPEAKER_00]: And I genuinely do mean this.
0:24
[SPEAKER_00]: And I just pray that you all are really understanding
0:30
[SPEAKER_00]: Um, because what this launching is new community of in the black, we have the app.
0:35
[SPEAKER_00]: We have some amazing things that we're going to be announcing inside the app as a matter of fact.
0:39
[SPEAKER_00]: If you haven't gone to app, I would highly encourage you to go to anthonyo.com4sash app and join thousands of people who've already downloaded this app, we'll be launching the private community at the top of next month.
0:52
[SPEAKER_00]: Um, I don't want my community to be in this in this stat.
0:59
[SPEAKER_00]: 70% of Americans are living paycheck to paycheck.
1:03
[SPEAKER_00]: 78% of Americans are living paycheck to paycheck.
1:09
[SPEAKER_00]: 69% of Americans have less than 1,000 savings.
1:16
[SPEAKER_00]: And the majority of people have no plan, they have no system, and they have no strategy.
1:27
[SPEAKER_00]: which is being brought to you by in the black hour new app.
1:32
[SPEAKER_00]: We're going to give you a 90 day plan.
1:35
[SPEAKER_00]: And if you like today's episode, and if you're just an Anthony, I like this plan, but I need daily accountability, and you definitely want to go check out the app.
1:44
[SPEAKER_00]: Because this is an app that is a money coach in your pocket and every single day you wake up.
1:49
[SPEAKER_00]: It analyzed your bank account, it analyzed your credit cards, it analyzed all of your investment accounts, and it wakes up and it tells you, hey, you are on track.
1:58
[SPEAKER_00]: Do this today for your specific 90 day plan or 120 day plan, or if you sign up for a year plan.
2:06
[SPEAKER_00]: Do this today, watch this video from Anthony O'Neill from his escape plan course, right?
2:12
[SPEAKER_00]: Like, if you like today's episode,
2:15
[SPEAKER_00]: and you want accountability to make sure that you hit this with the next 90 days, you need to download the app two day.
2:22
[SPEAKER_00]: You need to download the app two day.
2:24
[SPEAKER_00]: Go to anthonyl.com for slash in the black and we're going to have that inside of today's show knows.
2:29
[SPEAKER_00]: But here's the very first month one, first 30 days when it comes to the next 90 days.
2:37
[SPEAKER_00]: I call this
2:39
[SPEAKER_00]: weeks, one through two, no your numbers.
2:43
[SPEAKER_00]: All right, you got a good clear.
2:45
[SPEAKER_00]: This is, I, I, I will say the foundation.
2:48
[SPEAKER_00]: You see, most people have no idea where their money is going.
2:52
[SPEAKER_00]: They're guessing, they're hoping and wondering why
2:56
[SPEAKER_00]: And my always live in paycheck to paycheck.
2:59
[SPEAKER_00]: Why go on only have X amount of dollars in the bank?
3:03
[SPEAKER_00]: Why do I not have five natural freedom?
3:07
[SPEAKER_00]: Why am I working from 9 a.m. to 5 p.m. every single day?
3:11
[SPEAKER_00]: And I'm still stressed.
3:15
[SPEAKER_00]: It's because you don't have a system put in place.
3:18
[SPEAKER_00]: It's because you're just winging.
3:21
[SPEAKER_00]: And one of the plans that I've had to teach inside the app is you've got to track every dollar and so for the next 30 days I want you to track every single dollar for two weeks so it is means every single day when you wake up I need you to know how much money you spent yesterday even if it's just 50 cents you need to know I spent 50 cents yesterday.
3:47
[SPEAKER_00]: There's so many different apps out there that can help you do it, but the best one that will automatically do it and take stress off of you is in the black.
3:56
[SPEAKER_00]: And inside of it, you'll learn the different categories, income, housing, food, transportation, any kind of consumer that it's your in, entertainment, subscriptions, dating, children, and everything else.
4:09
[SPEAKER_00]: We literally help you automatically.
4:12
[SPEAKER_00]: We ask you questions.
4:13
[SPEAKER_00]: Hey, how much do you spend on kids month?
4:15
[SPEAKER_00]: Hey, how much do you do this?
4:16
[SPEAKER_00]: Hey, you know what?
4:17
[SPEAKER_00]: I noticed yesterday, you spent money at McDonald's.
4:21
[SPEAKER_00]: Is this inside your food budget?
4:22
[SPEAKER_00]: Because if it is, you already are over.
4:25
[SPEAKER_00]: Or if it is, hey, you only have X amounted dollars left this month.
4:29
[SPEAKER_00]: Keep that in mind going into tomorrow.
4:34
[SPEAKER_00]: You see, I remember, I remember, I remember, I remember, I remember working with one of my community members who swore she was just bad with money.
4:48
[SPEAKER_00]: She got access to the app, tracked her spending for a little while, and found the extra $400 a month going to subscriptions and door dash.
4:58
[SPEAKER_00]: See, that's when the light bulb kicked off because then she didn't ask the app.
5:03
[SPEAKER_00]: Hey, I found $400 over here.
5:06
[SPEAKER_00]: Can you help me find another $300?
5:07
[SPEAKER_00]: And it helped her find another $500.
5:14
[SPEAKER_00]: Check this out, family.
5:15
[SPEAKER_00]: Did you know that nearly four and 10 Americans still have zero money invested in the stock market?
5:22
[SPEAKER_00]: That's a gap where wealth is built on this.
5:26
[SPEAKER_00]: If you're just saving, you're falling behind because the market's average close to about a 10% a year or century while your savings account is barely keeping up with inflation.
5:37
[SPEAKER_00]: I want to make this plan.
5:38
[SPEAKER_00]: If you wait just five years to start investing, you could lose out to hundreds of thousands of dollars in future wealth.
5:45
[SPEAKER_00]: That's not hype, that's real math.
5:46
[SPEAKER_00]: The wealthiest 10% of Americans now own over 90% of all sucks because they started and they stayed consistent.
5:55
[SPEAKER_00]: But here's the thing, you don't need to be rich to honestly get inside of the investing games.
6:00
[SPEAKER_00]: With platforms like SoFi and Best Public and Moomoo, you can open their account today.
6:05
[SPEAKER_00]: Start with as little as $1 literally, and buy fractional shares of the same assets that have built generational wealth for millions.
6:13
[SPEAKER_00]: No commissions, 100% no excuses on your income.
6:16
[SPEAKER_00]: Listen, I need you to hear me clearly, stop sitting on a sideline.
6:19
[SPEAKER_00]: Go to amphonyonio.com for session best right now to compare the top investing platforms and opening your first investing account today.
6:28
[SPEAKER_00]: Your future self and your children's children will thank you for taking action right now.
6:33
[SPEAKER_00]: We have to start building wealth, not just watching others get rich.
6:39
[SPEAKER_00]: Do not let another year go by, as a matter of fact, don't let another day go by.
6:43
[SPEAKER_00]: Take the first step, families.
6:45
[SPEAKER_00]: Visit anthonyo.com for Sasha Invest.
6:48
[SPEAKER_00]: Let's get to work.
6:49
[SPEAKER_00]: Let's start investing ASAP.
6:51
[SPEAKER_00]: Let's get back to the show.
6:54
[SPEAKER_00]: You see, here's some of the action stuff to where what I really, really, really want you to do today.
7:00
[SPEAKER_00]: I want you to download in the black today.
7:05
[SPEAKER_00]: And then for the next 14 days, I need you to track it.
7:10
[SPEAKER_00]: I need you to see exactly how much money are you spending within 14 days and where are you spending the money?
7:16
[SPEAKER_00]: Hear me clearly.
7:17
[SPEAKER_00]: This is important.
7:19
[SPEAKER_00]: Where are you spending the money?
7:22
[SPEAKER_00]: I don't want you to judge yourself.
7:24
[SPEAKER_00]: I just want you to be aware because if you're aware and you can properly make changes that would then, right?
7:34
[SPEAKER_00]: change your future.
7:36
[SPEAKER_00]: And what I love about the app is, before the 14 days are up, we're going to tell you where you need to change your money.
7:42
[SPEAKER_00]: You don't even have to ask yourself.
7:45
[SPEAKER_00]: When you wake up every single morning, we're going to tell you, hey, hey, John, hi Rebecca.
7:55
[SPEAKER_00]: Can we
8:03
[SPEAKER_00]: If you changed this, you could possibly put $1,000 back in your pocket.
8:06
[SPEAKER_00]: Inside the app, we strategically are looking for anywhere $600 to $1,200 to put back in your pocket a month.
8:18
[SPEAKER_00]: And the truth to the fact is, you may not even like what we're going to tell you.
8:23
[SPEAKER_00]: But nothing extra ordinary happens within your comfort zone.
8:28
[SPEAKER_00]: So we're going to stretch you out of your comfort zone a little bit.
8:31
[SPEAKER_00]: And we're going to change your mindset around money.
8:34
[SPEAKER_00]: So by this time next year, you are financially free and now in the app, you're tracking your wealth building, you're tracking your investments.
8:44
[SPEAKER_00]: So that's the start number one.
8:45
[SPEAKER_00]: You can't fix what you do not measure.
8:49
[SPEAKER_00]: You can't.
8:52
[SPEAKER_00]: Now, now, let's give your money an actual job.
8:56
[SPEAKER_00]: Now, weeks three through four, I need to create your first real budget.
8:59
[SPEAKER_00]: Okay?
9:00
[SPEAKER_00]: And you've got to create a budget.
9:02
[SPEAKER_00]: You see, average people see a budget as a present.
9:06
[SPEAKER_00]: And this generation, I don't know what's going on, man, it bothers me so much.
9:10
[SPEAKER_00]: But I could be out in the date, I could be out with friends, and I said, that's just not in the budget, and that word just turns people off.
9:18
[SPEAKER_00]: But I'm like, how, how does having a plan?
9:22
[SPEAKER_00]: for your money, turn people off.
9:26
[SPEAKER_00]: Because having a plan for my money has allowed me to buy the things that I want to buy.
9:32
[SPEAKER_00]: You see, what thing I've learned?
9:34
[SPEAKER_00]: And when I'm around my wealthy friends, man, wealthy peat, wealthy people see a budget, aka a plan, as a plan to win.
9:45
[SPEAKER_00]: I was talking about good friend, and him and his wife sat down, it's an all right bag.
9:48
[SPEAKER_00]: Let's go through the budget for the year.
9:51
[SPEAKER_00]: This is what we know we would averagely make throughout this year.
9:54
[SPEAKER_00]: What do you want to buy?
9:58
[SPEAKER_00]: He wants to buy a brand new, you know, Ferrari.
10:01
[SPEAKER_00]: He a big boy.
10:02
[SPEAKER_00]: His wife wants to be able to take their kids somewhere.
10:05
[SPEAKER_00]: I forgot where you said.
10:06
[SPEAKER_00]: Then they want to do some improvements to their house.
10:09
[SPEAKER_00]: Then they want to go ahead and save and invest a little bit more this year because they're getting closer to retirement age.
10:17
[SPEAKER_00]: So now they have a budget that they are honestly now uploading inside of my brand new app in the black and they're like, yo, this app is helping us know, okay, hey, you have freedom.
10:28
[SPEAKER_00]: Go buy the Ferrari or go do this or go do that.
10:45
[SPEAKER_00]: Only broke people's seed budgeting as a present.
10:51
[SPEAKER_00]: But for me, every single day, every time I get paid for my company, I assign every dollar a job before the month starts.
11:04
[SPEAKER_00]: Before I spend it, I assign it.
11:09
[SPEAKER_00]: Before I spend it, I assign it.
11:15
[SPEAKER_00]: Before you spend a dollar, it should already be assigned to where you're spending it, and if you're just guessing, I'm sorry, people, I'm sorry community, I'm sorry family, you're never going to be wealthy.
11:41
[SPEAKER_00]: because I guarantee you they got a CFO keeping track of what they're spending.
11:46
[SPEAKER_00]: And we've seen several millionaires who did not track what they're spending and look at them today broke.
11:52
[SPEAKER_00]: Do we need to name some names?
12:00
[SPEAKER_00]: Friend of mine.
12:03
[SPEAKER_00]: Use to budget by checking her check.
12:06
[SPEAKER_00]: Check in the count, that one is before every purchase.
12:11
[SPEAKER_00]: She'll open up her app, see if the money's in there, if it costs $200, if you got $200, $250 in there, she has it.
12:22
[SPEAKER_00]: She'll just swipe.
12:24
[SPEAKER_00]: Once she started budgeting every dollar before the month began, she stopped overdrafting her account.
12:31
[SPEAKER_00]: And now she is intentionally saving and investing more.
12:38
[SPEAKER_00]: I need you to sit down this Sunday, open up the app, get inside of it, and start budgeting for next month, all right, next month is right around a corner, and I'm beyond which is not going to feel good if you really haven't done it, but aren't you tired of not
13:05
[SPEAKER_00]: aren't you tired of living page at the paycheck?
13:08
[SPEAKER_00]: Aren't you tired of not being able to do the things that you want to do?
13:11
[SPEAKER_00]: So if you don't change what you're doing with your money today, you're going to have the same results that you have today tomorrow.
13:20
[SPEAKER_00]: In this time next year.
13:21
[SPEAKER_00]: So you got to change and really assign every single dollar to a purpose.
13:36
[SPEAKER_00]: Now, now that's month one, you're clear on your numbers, and now you have a solid plan.
13:45
[SPEAKER_00]: And here's what I love.
13:47
[SPEAKER_00]: And I gotta say this, man, because I just really believe in a love what we've built.
13:55
[SPEAKER_00]: You need to customize plan to yourself.
13:58
[SPEAKER_00]: This is why it took me about a year, year and a half to build this app with Studio.
14:03
[SPEAKER_00]: It's because I told them I don't want to build an app that everybody who has totally different financial situations gets the exact same plan.
14:14
[SPEAKER_00]: I want to build an app that John Suzy Rebecca Anthony.
14:20
[SPEAKER_00]: All four people can come inside of this app, answer 10 questions, give us their real numbers, and we give them a customized plan made directly for them that looks 19 day from the other three people who just signed up.
14:37
[SPEAKER_00]: Thousands are already in the app, and I guarantee you not one person can say they have the exact plan because here's the truth, we're all in different financial situations.
14:47
[SPEAKER_00]: You could be a single mother, working two jobs.
14:50
[SPEAKER_00]: This could be a family who has great income, just poor management skills.
14:54
[SPEAKER_00]: This could be a family, a couple who don't have kids who desire kids one day.
15:00
[SPEAKER_00]: They're going to have a totally different plan.
15:02
[SPEAKER_00]: But then you could be like me, I'm consumer debt free, but I want to invest more, I want to buy more assets.
15:07
[SPEAKER_00]: Okay, you need a totally different plan.
15:12
[SPEAKER_00]: Is it when you have a plan?
15:14
[SPEAKER_00]: Now you have clarity, but here's the truth.
15:18
[SPEAKER_00]: Having a plan and clarity isn't enough.
15:21
[SPEAKER_00]: Now you need protection.
15:24
[SPEAKER_00]: And this is what month too is gonna cover.
15:27
[SPEAKER_00]: You gotta build your safety net.
15:28
[SPEAKER_00]: I call this protection.
15:31
[SPEAKER_00]: This is week five through six, right?
15:34
[SPEAKER_00]: This is when we start really building that emergency fund.
15:39
[SPEAKER_00]: Most people are, I believe it is, one emergency away from a disaster.
15:44
[SPEAKER_00]: They're one car repair away.
15:46
[SPEAKER_00]: They're one late paycheck away.
15:48
[SPEAKER_00]: I just got to call literally right before we jumped on here to record my cousins who I've adopted called me both up at the same time.
15:58
[SPEAKER_00]: I bought them.
15:59
[SPEAKER_00]: They're both, both of their cars.
16:00
[SPEAKER_00]: And I told them as long as they're in school, I will handle all the expenses with the car outside of gas.
16:05
[SPEAKER_00]: But any maintenance or changes, tires, cars goes down.
16:08
[SPEAKER_00]: I told them they will have a car no matter what.
16:11
[SPEAKER_00]: All right.
16:11
[SPEAKER_00]: And right before I got on a pause before I go there,
16:16
[SPEAKER_00]: When I bought them there two cars, I put a little bit more money in my emergency fund for their cars.
16:22
[SPEAKER_00]: So just in case, goodbye bottom old, use quality cars.
16:27
[SPEAKER_00]: One of them I got to say, I probably should have bought her something a little bit newer.
16:30
[SPEAKER_00]: I haven't been going to a lot.
16:31
[SPEAKER_00]: I love you, Antony.
16:33
[SPEAKER_00]: But...
16:34
[SPEAKER_00]: You know, so I uped my emergency phone.
16:37
[SPEAKER_00]: I got it called right before I got on one.
16:40
[SPEAKER_00]: These are all changed.
16:41
[SPEAKER_00]: Cool.
16:41
[SPEAKER_00]: That's great.
16:42
[SPEAKER_00]: No problem.
16:42
[SPEAKER_00]: I'm not going to go to my emergency account for it.
16:45
[SPEAKER_00]: My other cousin who's my my youngest one.
16:48
[SPEAKER_00]: She needs brand new breaks.
16:50
[SPEAKER_00]: Calibers and rotors.
16:53
[SPEAKER_00]: $1,500 out of nowhere.
16:56
[SPEAKER_00]: That was not in my budget.
16:59
[SPEAKER_00]: It just came crashing down.
17:01
[SPEAKER_00]: So this morning, I woke up.
17:03
[SPEAKER_00]: with almost a $1,600 bill, and I might man.
17:09
[SPEAKER_00]: Like, I'm not even a legit full-time father.
17:14
[SPEAKER_00]: And I already feel what true fathers and what true mothers are experiencing.
17:24
[SPEAKER_00]: And I'm like, well, thank God, I have a plan and thank God, I have a strategy and thank God, I built some protection because what if I didn't have it?
17:33
[SPEAKER_00]: What if I was living paycheck to paycheck?
17:35
[SPEAKER_00]: Now, my girls will be out there riding around with bad breaks.
17:43
[SPEAKER_00]: So the plan is this.
17:45
[SPEAKER_00]: I needed to put aside at least one month of your net pay as fast as possible.
17:50
[SPEAKER_00]: Yes, I know I used to teach set aside $1,000 emergency fund, but I don't do that no more, respectfully.
17:53
[SPEAKER_00]: $1,000, $1,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,000, $2,
18:03
[SPEAKER_00]: I just got a call for $1,600, $1,000 is not enough.
18:06
[SPEAKER_00]: It's not enough in 2026.
18:09
[SPEAKER_00]: You need at least one month of your average net pay.
18:11
[SPEAKER_00]: So if you make $3,000 a month net, if that is what's being deposited inside your account, you need to put $3,000 inside of your savings.
18:20
[SPEAKER_00]: You need to get inside the app, jump, and click on the coach button and say, you know what coach, I need to save $3,000.
18:28
[SPEAKER_00]: Coach, can you assess my bank statements because now we can look at your bank statements and tell me what is the quickest way?
18:35
[SPEAKER_00]: What should I cut out to get to $3,000?
18:42
[SPEAKER_00]: What can I cut out to get to one month net pay sitting inside my higher savings?
18:46
[SPEAKER_00]: Can you assess my financial situation?
18:49
[SPEAKER_00]: I've attached all of my accounts, all of my credit cards, all my investment portfolios, all of my debt, and can you tell me what is the best way?
18:57
[SPEAKER_00]: And let's say you already have one month, right?
19:02
[SPEAKER_00]: The goal after you get consumer debt free is to have, I need to stop saying three to six months.
19:07
[SPEAKER_00]: The goal is to have six months of net pay sitting inside of a high yield savings.
19:12
[SPEAKER_00]: So that way, when life hits you, not if life hit me this morning.
19:19
[SPEAKER_00]: Not even just that, y'all.
19:20
[SPEAKER_00]: Not even just that.
19:21
[SPEAKER_00]: Oh my gosh.
19:24
[SPEAKER_00]: Thursday,
19:26
[SPEAKER_00]: It was a Thursday morning.
19:27
[SPEAKER_00]: I get a call from Africa.
19:30
[SPEAKER_00]: I get a call from the ambassador.
19:33
[SPEAKER_00]: And she says, Anthony, I have you on meeting tomorrow morning in Africa, in Africa with government officials to get you your dual citizenship.
19:45
[SPEAKER_00]: I need you here tomorrow by 10 a.m.
19:49
[SPEAKER_00]: This is Thursday.
19:50
[SPEAKER_00]: And my interview is in Ghana, Africa.
19:54
[SPEAKER_00]: Friday at 10 a.m.
19:58
[SPEAKER_00]: The cheapest flight was $5,000.
20:01
[SPEAKER_00]: Had to get a hotel room.
20:03
[SPEAKER_00]: Had to find me a driver and Ghana.
20:06
[SPEAKER_00]: Life hit.
20:09
[SPEAKER_00]: Now, let's be honest, that wasn't an emergency.
20:12
[SPEAKER_00]: Let's be honest, I don't want that was something that I'm trying to do.
20:18
[SPEAKER_00]: But because I had protection and because I built some margin, I was able to spend $7,500 within a matter of two hours so get me to Ghana.
20:33
[SPEAKER_00]: Life happens.
20:38
[SPEAKER_00]: y'all said the key thing here is you've got to open the behind y'all same as account.
20:41
[SPEAKER_00]: This has to be separate from a check in the account.
20:44
[SPEAKER_00]: And I need you to automate 50 to $100 per week in transfers per week.
20:51
[SPEAKER_00]: Per week.
20:53
[SPEAKER_00]: If you only do $50 put 50,000 there.
20:56
[SPEAKER_00]: Bear minimum, I need you put in the least 50 to $100 per paycheck and side of a high y'all same as account.
21:02
[SPEAKER_00]: As a matter of fact, some of you are going to be thinking like, hey, what is a good savings account?
21:06
[SPEAKER_00]: Check out this quick commercial of some of the best check on savings account you can open up right now.
21:12
[SPEAKER_00]: This is a family.
21:14
[SPEAKER_00]: If your savings account is earning less than 1%, you're literally donating money back to the banks.
21:19
[SPEAKER_00]: You see, traditional savings accounts are paying pennies.
21:22
[SPEAKER_00]: While high-yield savings accounts are paying dollars, and the gap is costing you real wealth every
21:31
[SPEAKER_00]: want to get real with you here real quick.
21:33
[SPEAKER_00]: When $10,000 a regular bank might pay you $40 a year, but a top high yield savings account, that's $400 to $500 a year, just for moving your money.
21:44
[SPEAKER_00]: That's hundreds of extra dollars in your pocket.
21:47
[SPEAKER_00]: No extra work, no risk, and your money stay safe and FDIC ensure.
21:52
[SPEAKER_00]: Nearly one in four Americans have zero emergency savings, and most who do are missing out on free money.
22:00
[SPEAKER_00]: By leaving their cash and lazy accounts, Ohio saves account is the fastest, simplest upgrade you can make to hit your emergency fund and short-term goals faster.
22:12
[SPEAKER_00]: So, listen, stop letting your heart earn dollars say lazy.
22:16
[SPEAKER_00]: Visit anthonyonil.com for SaaS savings, compare the best high-year save as accounts and open yours in literally two minutes.
22:24
[SPEAKER_00]: Every extra dollar interest gets you closer to financial freedom, so please do not leak.
22:30
[SPEAKER_00]: Don't let another year go by earning pennies.
22:33
[SPEAKER_00]: Go to anthonyonil.com for SaaS savings, let your money start working for you today.
22:40
[SPEAKER_00]: All right, let's keep back to the show.
22:41
[SPEAKER_00]: Listen, I'll never forget a client who lost her job.
22:48
[SPEAKER_00]: But she had one month of her net-paced sitting inside emergency fund.
22:54
[SPEAKER_00]: She was scared.
22:56
[SPEAKER_00]: I ain't allowed to.
22:58
[SPEAKER_00]: But I remember getting the email and she said, Anthony, while I was scared, I didn't panic.
23:05
[SPEAKER_00]: I said, really, she's a, yeah.
23:08
[SPEAKER_00]: She's at to you maybe one month in that pay I think, right around that time for her was like $40, $600.
23:15
[SPEAKER_00]: She said, man, I got 30 days to find a new job.
23:22
[SPEAKER_00]: And I'm so happy because I don't have to use credit cards.
23:25
[SPEAKER_00]: I don't have to go get a payday loan.
23:26
[SPEAKER_00]: I don't have to ask my family to, to, to, to, to loan me money.
23:30
[SPEAKER_00]: And I thought the dopest thing was, I don't even have to ask my boyfriend to help me.
23:36
[SPEAKER_00]: Because she was like, what I'm going to do is turn that $4600, which is one month of my net pay, which includes her hair, which includes massages, which includes other things, she was like, and then I'm going to bear that, I'm going to back that down to my bare minimum, to pay my rent, to pay my utilities, I'm going to buy groceries, I'm eating, this is that it should be able to stress me too much.
24:08
[SPEAKER_00]: That is peace.
24:10
[SPEAKER_00]: That is six days of peace, and here's the thing.
24:14
[SPEAKER_00]: When you don't have to rush, I did a show about this.
24:16
[SPEAKER_00]: When we can use our slow mind to strategically think and to strategically come up with a plan, we will make 78% better choices.
24:30
[SPEAKER_00]: or were 70% more likely to make better decisions that will impact us positively in our future.
24:39
[SPEAKER_00]: But if I had only a thousand dollars, if I had only $500 in my account or zero, now I'm gonna use my fast side of my brain and I'm gonna make a hasty decision that is gonna possibly cost me more money in the future.
24:56
[SPEAKER_00]: Do you understand what I'm teaching here?
24:59
[SPEAKER_00]: Do you understand why I believe this is so, so, so important?
25:08
[SPEAKER_00]: But when we're starting off at one month,
25:11
[SPEAKER_00]: The reason why a lot of us don't even have one month, and we don't have yet alone six months of net pay is because we're still drowning in debt.
25:21
[SPEAKER_00]: So weeks seven through eight were coming up with the plan and strategy on how to literally execute a plan that can get us out of consumer debt.
25:35
[SPEAKER_00]: A recently saw a study from Harvard and it said that most people would never really experience the feeling of being consumer dead free.
25:49
[SPEAKER_00]: That it is now the norm to have a car payment.
25:54
[SPEAKER_00]: That now studies are showing that when people get towards the end of their car loan,
26:00
[SPEAKER_00]: that the majority of people say, well, shoot, I was already paying 500, I was a month miserable, we'll get a new car so I can feel good and just keep that 500, I was a month.
26:08
[SPEAKER_00]: Like, we are so brainwashed that we're always going to be in debt.
26:18
[SPEAKER_00]: And we're wondering why we're stuck living in the picture.
26:23
[SPEAKER_00]: And I get tired when I hear influence and say, now you got good debt and you have bad debt.
26:29
[SPEAKER_00]: I just don't believe in that term.
26:31
[SPEAKER_00]: I believe in a term of debt as debt.
26:33
[SPEAKER_00]: Like, you hear me clearly say, I am consumer debt-free.
26:37
[SPEAKER_00]: But I still have debt when it comes to a mortgage, when it comes to my assets.
26:42
[SPEAKER_00]: But my goal is to eventually get that paid off.
26:46
[SPEAKER_00]: One of the things that I love about Africa as I'm getting my citizenship, I've purchased two properties over there.
26:52
[SPEAKER_00]: And I didn't take out a loan.
26:54
[SPEAKER_00]: I've been cash-loin' them.
26:56
[SPEAKER_00]: Payin' them cash.
26:57
[SPEAKER_00]: While they're building, I'm giving them 20% I'm giving them 30%.
27:00
[SPEAKER_00]: And so when I get the keys to my Ghana stuff,
27:03
[SPEAKER_00]: I am going to own it outright, and it will go inside my state plan with no debt, and here is the dope part.
27:10
[SPEAKER_00]: As you all heard, I have my big bro on Ben from Ghana, because I pay cash for that, I am more than likely going to buy back to 10x my investment into that, because it will be rental properties, Airbnb properties.
27:27
[SPEAKER_00]: I'll never sell those properties, because I bought them in prime real estate.
27:31
[SPEAKER_00]: So now, when I die, I pass those down to my kids.
27:34
[SPEAKER_00]: And when my kids die, I'm gonna have it.
27:36
[SPEAKER_00]: In my state plan, you can never sell, you only can generate monthly income.
27:41
[SPEAKER_00]: But if I was drowning in debt, if I was drowning in consumer debt, I wouldn't be able to buy this.
27:46
[SPEAKER_00]: I wouldn't be able to spend money in Ghana in Africa and open up a school there, or financial literacy school there.
27:53
[SPEAKER_00]: I wouldn't be able to go with there in invest.
27:57
[SPEAKER_00]: You see, most budgeting apps just track your spending and leave you guessing, what do I do today?
28:04
[SPEAKER_00]: But my new app in the black is different.
28:07
[SPEAKER_00]: This isn't just a track, it's your daily money coach right in your pocket every single test.
28:13
[SPEAKER_00]: You see, every single morning, you wake up and you know exactly what to do with your money today.
28:19
[SPEAKER_00]: No more confusion, no more second guessing, no more wondering what do I do.
28:24
[SPEAKER_00]: I'm literally walking with you step by step every single day.
28:28
[SPEAKER_00]: Whether you're budgeting, paying off debt, saving, or investing for your future, the app holds you accountable and it celebrates your wins and gives you a custom-wise clear plan.
28:39
[SPEAKER_00]: So you never have to wonder, what do I do?
28:40
[SPEAKER_00]: do today.
28:41
[SPEAKER_00]: And listen, this isn't just about number.
28:43
[SPEAKER_00]: You see inside the app, you get my complete brand new estate plan court.
28:47
[SPEAKER_00]: This is my proven system to break free from debt, bill, real well.
28:51
[SPEAKER_00]: And also, we just also announced a new community of like-minded individuals.
28:57
[SPEAKER_00]: And all of this is inside the app.
28:59
[SPEAKER_00]: So listen, listen, listen, if you're tired from the stuff, if you want a money coach in your pocket, not just another app, I need you to go and download the app two days.
29:07
[SPEAKER_00]: Go to anthonyoneau.com for slash end the black and join thousands of others who already have the app who are getting out of the red and they're getting into the black and boy, they're having a great time.
29:18
[SPEAKER_00]: Head over to anthonyoneau.com for slash end the black and I'm gonna see you in the app.
29:26
[SPEAKER_00]: This is why in the black, the app is so important because once you get in, we ask you three questions about how much debt do you have?
29:37
[SPEAKER_00]: And I want to tell you for this, I want to tell you this.
29:40
[SPEAKER_00]: For those of you who are going to download the app, when you get to this question, please don't rush it.
29:45
[SPEAKER_00]: Because the only way we can strategically help you.
29:48
[SPEAKER_00]: and change your life within the next 12 to 18 months.
29:51
[SPEAKER_00]: Is it your honest?
29:53
[SPEAKER_00]: I'm in 122,000 dollars and 58 cents in debt.
29:56
[SPEAKER_00]: I'm in 30,000 dollars in debt.
29:58
[SPEAKER_00]: I'm in 400,000 dollars in debt.
30:01
[SPEAKER_00]: This app is designed to give you a plan and watch it.
30:06
[SPEAKER_00]: This is so.
30:08
[SPEAKER_00]: When you answer the questions correctly, when you list all of your income, if you have a job, if you get child support, if you get alamony, if you have a side business, if you're an entrepreneur, when you list all of your income, so she's a charity.
30:24
[SPEAKER_00]: And then you list all of your bills and all of your debt.
30:28
[SPEAKER_00]: And then it will tell you, hey, based upon your current financial situation, you will be financially debt-free by this year.
30:39
[SPEAKER_00]: Or let's say you don't have debt, but your goal is you want to be a net worth million air.
30:43
[SPEAKER_00]: Well, based upon all of your financials right now, if you invest in this amount of money, you will be a net worth millionaire by this year.
30:52
[SPEAKER_00]: Everything comes back to a plan.
30:56
[SPEAKER_00]: Everything comes back to a strategy and if you're going to get out of consumer debt, well, you need a strategy on how to get out of debt and I personally use the desk no ball.
31:06
[SPEAKER_00]: This is when you list all of your desk smallest to largest.
31:08
[SPEAKER_00]: You attack the smallest one with everything you got while making minimum payments on everything else.
31:18
[SPEAKER_00]: And then when you get done with the very first one, you celebrate that one is gone.
31:22
[SPEAKER_00]: But then you take that and you put it all on to the next.
31:25
[SPEAKER_00]: All on to the next one.
31:27
[SPEAKER_00]: All on to the next one until you're dead free.
31:29
[SPEAKER_00]: But see before, you actually have to write out your debts.
31:33
[SPEAKER_00]: Now, once you upload everything, my app does it for you within a matter of seconds.
31:40
[SPEAKER_00]: Hey, here's your desk, no problem.
31:43
[SPEAKER_00]: I need you to pay this amount of money to that particular debt.
31:52
[SPEAKER_00]: I'm getting so many testimonies right now from in the Black Communism.
31:56
[SPEAKER_00]: Matter of fact, if you are already in the Black app and community, comment below and let us know.
32:03
[SPEAKER_00]: Let them know what you love about the app.
32:04
[SPEAKER_00]: How's it helping you pay off your debt?
32:06
[SPEAKER_00]: How's it helping you save and invest?
32:10
[SPEAKER_00]: All ready with an amount of two weeks with the app being out.
32:14
[SPEAKER_00]: Man, we have people who are literally emailing me.
32:18
[SPEAKER_00]: Thank you, bro.
32:19
[SPEAKER_00]: I woke up this morning and it told me,
32:22
[SPEAKER_00]: that I could be debt-free by this year.
32:25
[SPEAKER_00]: But if I went to really go aggressive, I can shave off six months.
32:33
[SPEAKER_00]: One of the ladies sent me a very emotional email.
32:39
[SPEAKER_00]: And I didn't ask her to share this.
32:41
[SPEAKER_00]: So I'm gonna change some things because I don't wanna offend her or lose any of my community's trust.
32:52
[SPEAKER_00]: I don't think she'll have a problem with it, but I didn't ask her, so I want to be respectful.
32:56
[SPEAKER_00]: But herner has been a respecting a child, and they want to be dead free, and they want her to be able to come home.
33:05
[SPEAKER_00]: She acts to app with the amount of debt that we have, with the amount of income that we have, with the goal of having a child with the next two years.
33:15
[SPEAKER_00]: And I would like to come home.
33:18
[SPEAKER_00]: Can you give me the plan on how to make that happen?
33:24
[SPEAKER_00]: App told them that you can do that in the year and two months if you do it this way.
33:28
[SPEAKER_00]: Herner husband said down, look at the strategy, look at the plan, and they said we're going to do it.
33:39
[SPEAKER_00]: Because of their particular age, they don't want to wait too much longer.
33:42
[SPEAKER_00]: She said, Anthony, I was such a relief because the part of me did not want to get to this particular age and still be waiting to have a baby.
33:53
[SPEAKER_00]: Now I have my thoughts on that, I think you should still go ahead and have the baby because this is my personal thoughts, but I respect everyone's opinion, but she got emotional because she was like, we can do it earlier.
34:08
[SPEAKER_00]: We could do it earlier.
34:12
[SPEAKER_00]: That's month too.
34:14
[SPEAKER_00]: You've got protection and you've tasted a little bit of freedom now, like you're starting to taste a little bit of it.
34:22
[SPEAKER_00]: Now, that we have clarity, not that we have protection.
34:28
[SPEAKER_00]: Wait, then we got to do now.
34:30
[SPEAKER_00]: We got to start the plan and strategy for building well.
34:34
[SPEAKER_00]: You got to start building well.
34:35
[SPEAKER_00]: You see, weeks nine through 10.
34:38
[SPEAKER_00]: This is where I would say, man, start looking into opening your first investment accounts.
34:42
[SPEAKER_00]: 95% of people never invest in a single dollar.
34:51
[SPEAKER_00]: is that some people are seriously scared.
34:56
[SPEAKER_00]: They're scared.
34:57
[SPEAKER_00]: They're going to lose their hard earned money.
35:01
[SPEAKER_00]: But the truth that if I did is keeping it inside your bank account, you're losing money because of inflation.
35:09
[SPEAKER_00]: Some people are confused.
35:12
[SPEAKER_00]: They're confused because they hear what Anthony is saying, but they're hearing some different on TikTok.
35:18
[SPEAKER_00]: And they're hearing some different on Instagram.
35:24
[SPEAKER_00]: But here's something that really bothers me.
35:27
[SPEAKER_00]: And it bothers me because I get it.
35:30
[SPEAKER_00]: I used to always tell myself, God, I'm gonna do better.
35:33
[SPEAKER_00]: God, I'm gonna tie it when I get more money.
35:38
[SPEAKER_00]: God, I'm gonna save when I get more money.
35:44
[SPEAKER_00]: God is like, I'm confused.
35:47
[SPEAKER_00]: You're gonna give 10% when you get more money
35:58
[SPEAKER_00]: You're going to put away $50, when you get more money, but you spent $50 on eating out this week by yourself.
36:11
[SPEAKER_00]: More is not the problem.
36:15
[SPEAKER_00]: More is not the problem.
36:18
[SPEAKER_00]: you're not being intentional with your investing.
36:21
[SPEAKER_00]: You see, what I want you to do today is I want you to open up a Roth IRA and start contributing to a 401k start contributing to index fund, an ETF.
36:31
[SPEAKER_00]: I need you to start with just $5, $10.
36:34
[SPEAKER_00]: Hear me clearly.
36:35
[SPEAKER_00]: I don't need you to do a whole lot.
36:37
[SPEAKER_00]: I get it, times are hard, we're filling some things in a economy right now and I get it.
36:45
[SPEAKER_00]: Yes, the goal is I want you to get to 15% of your income, I really do.
36:49
[SPEAKER_00]: But right now, I want you to build the habit.
36:51
[SPEAKER_00]: I want you to post this show right now.
36:54
[SPEAKER_00]: And I want you to go to anthonyonyl.com for Sasha Invest and look at the top investment accounts I highly recommend.
37:01
[SPEAKER_00]: Right now I suggest you use in public because their fees are amazing.
37:06
[SPEAKER_00]: Super, super, super, super cheap.
37:08
[SPEAKER_00]: And you don't have to put in a whole lot of money and you can buy a fraction of a share or fraction of a company today for photos.
37:16
[SPEAKER_00]: provide hours.
37:17
[SPEAKER_00]: But again, you can go to anthonyl.com for slash investors, several companies on that page.
37:23
[SPEAKER_00]: You can see what is the best company for you, but I need you to start the habit today.
37:28
[SPEAKER_00]: Even if you just invest into an index fund, S&P 500, a total market fund, that's cool.
37:33
[SPEAKER_00]: Put five hours into it, study, and forget about it.
37:43
[SPEAKER_00]: One of the stories we got last week in my email from one of our communities inside the app, they asked the app, I want to start investing to a Roth IRA, based upon my financials, how much can I afford to invest the app totaled in $50 a month?
38:03
[SPEAKER_00]: And they also told them that if you just do that, for $50 a month, within 10 years, that account could be worth $10,000.
38:13
[SPEAKER_00]: Now, draw something with 10 years.
38:15
[SPEAKER_00]: Anthony, that's not a whole lot of money.
38:16
[SPEAKER_00]: $10,000?
38:17
[SPEAKER_00]: Yeah, it's not about the money.
38:20
[SPEAKER_00]: It's about the habit.
38:21
[SPEAKER_00]: But Paul was right there.
38:26
[SPEAKER_00]: If...
38:28
[SPEAKER_00]: If they don't put $50,000 right now, and 10 years, they'll have nothing.
38:39
[SPEAKER_00]: Some of y'all are right now.
38:50
[SPEAKER_00]: Some of y'all right now don't have a lot of money in your account because you said five years ago, you're going to start.
39:02
[SPEAKER_00]: But if you just would have gave yourself $50 and that month, instead of putting it into McDonald's Burger King, Taco Bell, Ruth Chris, instead of putting it over there, and if you just would have,
39:16
[SPEAKER_00]: got aligned and put it over here.
39:18
[SPEAKER_00]: Some of y'all will probably have 10, 15, 20,000 plus dollars.
39:24
[SPEAKER_00]: And here's what I can tell you, and I hope you hear me.
39:28
[SPEAKER_00]: do not focus on the amount, focus on building the habit.
39:33
[SPEAKER_00]: I was watching this to show this podcast, the diarrhea of the CEO and he had on the expert and he said, man, you know, the best time to work out technically in his doctoral experience is in the morning because it gets your brain moving and gets your body hot and warmed up and
39:50
[SPEAKER_00]: He filled more, he filled more alert, he said, but the problem is, people have a struggle getting up at five AMs to say in the workout before they go to work.
39:58
[SPEAKER_00]: He said, so the very first three days, I need you to force yourself to wake up.
40:03
[SPEAKER_00]: He said, I need you to force yourself to wake up.
40:06
[SPEAKER_00]: And he said, ask me why, the guy said, why?
40:08
[SPEAKER_00]: Because now for three days, you built the habit, and now on the fourth day, your brain's going to automatically wake up at five AM.
40:15
[SPEAKER_00]: So I need you to force yourself to every time you get paid your invests.
40:20
[SPEAKER_00]: I need you to force yourself to every time you get a possibility to just put five hours in there and then naturally what's going to happen that habit is going to take over your old habits and it's going to be so weird to not even invest.
40:31
[SPEAKER_00]: Like right now it feels so weird if I didn't put money, watch this inside of tie the offerings and inside of my investment account.
40:42
[SPEAKER_00]: So I need you to go to anthonyoneel.com for a session best.
40:46
[SPEAKER_00]: And I need you to open up a account and just start to have it.
40:49
[SPEAKER_00]: Hey, put it all around there.
40:52
[SPEAKER_00]: Do not give yourself any excuse.
40:54
[SPEAKER_00]: Oh, I do it when I get paid.
40:55
[SPEAKER_00]: Oh, no, no, no.
40:57
[SPEAKER_00]: Open the account now and put money in it now.
41:03
[SPEAKER_00]: Sorry if I if if I sounded a little aggressive there.
41:08
[SPEAKER_00]: Because this is the start of wealth building.
41:11
[SPEAKER_00]: This is the start.
41:14
[SPEAKER_00]: You don't need to wait until you got 5,000 to $1,000 in order to start with what you have.
41:22
[SPEAKER_00]: But I get it.
41:22
[SPEAKER_00]: Some of you all say I'm an Anthony, I'm Beyoncé, which you meant, I, I, I just don't add it.
41:31
[SPEAKER_00]: We sell everything through 12.
41:33
[SPEAKER_00]: We gotta come up with some strategies to increase your income.
41:38
[SPEAKER_00]: Because the truth of the fact is,
41:41
[SPEAKER_00]: And we're seeing this in the app that we only can cut so much expenses, we can't cut everything.
41:52
[SPEAKER_00]: So a part of the strategy part of the plan is how can we generate more anchor?
41:58
[SPEAKER_00]: How can we create a side hustle, freelancing, consulting, selling something?
42:06
[SPEAKER_00]: How can we get a pay raise on our job?
42:18
[SPEAKER_00]: One of the things I've learned over the years that I'm starting to change a little bit is that, man, I was so big on budgeting and I still land, which is why I built the app in the buck.
42:30
[SPEAKER_00]: But one of the key things that we really, really, really, really, really need to.
42:36
[SPEAKER_00]: talk about is like how do we help people make more income?
42:39
[SPEAKER_00]: How do we help people get more money?
42:42
[SPEAKER_00]: Because I really do believe that there are a lot of you, not the majority, but there are a lot of you that are in financial situations that if you did make more money, you would do so much better.
42:56
[SPEAKER_00]: And I get it.
42:58
[SPEAKER_00]: Some of y'all need to sell some things.
43:02
[SPEAKER_00]: Some of you will need to set a goal.
43:04
[SPEAKER_00]: Let's say a $500 extra this month.
43:07
[SPEAKER_00]: Drive for Uber, drive for DoorDas, drive for Instacart.
43:10
[SPEAKER_00]: I don't know what that is.
43:11
[SPEAKER_00]: You will have to ask that question to yourself.
43:16
[SPEAKER_00]: And figure out how can you generate some more money?
43:19
[SPEAKER_00]: How?
43:22
[SPEAKER_00]: I was, um, I go to this restaurant every Tuesday to get a fish sandwich after we shoot.
43:27
[SPEAKER_00]: So I'll go there today after I get done.
43:31
[SPEAKER_00]: there is a single mother there and she's always working and man, she makes drinks really good.
43:40
[SPEAKER_00]: I mean, really, really, really good.
43:43
[SPEAKER_00]: But she also loves baking.
43:45
[SPEAKER_00]: He's like, man, Anthony, if I could just get an extra $500 a month, man, my life would be so much better.
43:55
[SPEAKER_00]: I said,
44:03
[SPEAKER_00]: She started offering her bartending services for like private parties.
44:10
[SPEAKER_00]: And then also, she started selling her baking goods.
44:14
[SPEAKER_00]: Yahoo, she's like mid-twenties.
44:18
[SPEAKER_00]: She made an extra one month.
44:20
[SPEAKER_00]: She made an extra $1,000.
44:23
[SPEAKER_00]: When her average, she's averaging anywhere between three to five hundred dollars a month, right?
44:29
[SPEAKER_00]: And every time I see her, she just smiles.
44:30
[SPEAKER_00]: And now every time she's always asking me for ideas and concepts.
44:34
[SPEAKER_00]: And I love, I love answering those questions for that younger generation to help them generate with more money.
44:40
[SPEAKER_00]: But I was very proud of her because the last time I went into the restaurant, her and her and her, the friend that works there, they said, man, we want to start investing.
44:49
[SPEAKER_00]: We, we, we, we, we, we, we, we, we, we, we, we, we, we, we.
44:53
[SPEAKER_00]: Yeah, like, yeah, how do we open the rock, I, Ray, like a 401k.
44:58
[SPEAKER_00]: I get it.
45:02
[SPEAKER_00]: We just need to make some extra anchor.
45:05
[SPEAKER_00]: That's it, you know?
45:11
[SPEAKER_00]: I think if you all can do this 90 day.
45:17
[SPEAKER_00]: First 30 days get clear on your money, tracking, budgeting, month two, the next 30 days, set up a plan for protection, followed by month three, the last 30 days.
45:31
[SPEAKER_00]: Come up with a strategy on how you're going to build wealth, right?
45:36
[SPEAKER_00]: Before I would have said right this stuff down and put it on your computer and put it on your refrigerator, put it on your front desk, but no, literally I'm begging you.
45:46
[SPEAKER_00]: I am begging you to download the app.
45:51
[SPEAKER_00]: We've made this app so affordable.
45:57
[SPEAKER_00]: that if your financial situation does not change in a year it's because you just didn't listen to my coaching inside the app.
46:08
[SPEAKER_00]: That if you follow this plan inside the app for the next 90 days you're going to be ahead of 95% of people in America.
46:20
[SPEAKER_00]: And it costs you a cup of coffee.
46:24
[SPEAKER_00]: Probably two cups of coffee from Starbucks.
46:30
[SPEAKER_00]: Because the truth, in fact, is most people will never track their spending.
46:33
[SPEAKER_00]: The truth, in fact, is most people will never have a coach, a money coach.
46:39
[SPEAKER_00]: Most people will never have one month's save.
46:42
[SPEAKER_00]: Most people will never even invest into a single stock.
46:48
[SPEAKER_00]: But I believe that my community, my audience, you're not the average person.
46:55
[SPEAKER_00]: You're different.
47:01
[SPEAKER_00]: And I literally came up with this app to make sure, to make sure that my people have resources.
47:11
[SPEAKER_00]: That is affordable, and that is life transformation.
47:17
[SPEAKER_00]: Man, this app is amazing.
47:20
[SPEAKER_00]: And there's so much more.
47:21
[SPEAKER_00]: One of the coolest things I love about this app is that every single month, my team and I are gonna be uploading new courses.
47:26
[SPEAKER_00]: I really, really want to turn this into the Netflix for finances to where you'll be able to go in there and to really learn something.
47:35
[SPEAKER_00]: If you just started your job, okay, Anthony, I just started my job.
47:38
[SPEAKER_00]: What do I need to do in my 401k?
47:40
[SPEAKER_00]: How do I really invest it to where it's maximizing every single time I put money in it and my boss put money in doing?
47:46
[SPEAKER_00]: Like we're literally gonna be breaking things down
47:51
[SPEAKER_00]: for the average person.
47:56
[SPEAKER_00]: Do this in the next 90 days.
47:57
[SPEAKER_00]: I promise you, I promise you, your life is going to change.
48:02
[SPEAKER_00]: I'm going to drop all the app information inside of the show notes, and we'll see you in the next show.
48:08
[UNKNOWN]: Peace out.