Latest / The Table with Anthony ONeal / Making $50K? Here’s How Regular People Actually Build Wealth

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Making $50K? Here’s How Regular People Actually Build Wealth · The Table with Anthony ONeal

0:00
[SPEAKER_00]: If a family you know, you need a net worth of $1.8 million or an income of $210,000 just to be an America's top 10% in the year of 2026.
0:12
[SPEAKER_00]: And if you're in California, it's $2 million.
0:15
[SPEAKER_00]: But people think $1 million means you've made it, but that's not even affluent anymore.
0:22
[SPEAKER_00]: I want to break down what it really takes.
0:24
[SPEAKER_00]: and how you can get there even if you're starting from zero to day while watching this.
0:32
[SPEAKER_00]: Let's get straight to the facts.
0:33
[SPEAKER_00]: According to a brand new report from Visa and Yahoo Finance, here's what it takes to be an America's top 10% in the year of 2026.
0:43
[SPEAKER_00]: National average $1.8 million net worth.
0:49
[SPEAKER_00]: This is a $210,000 annual income.
0:52
[SPEAKER_00]: Now in California, two million net worth with about a average of $236,000 annual income.
1:00
[SPEAKER_00]: Now check this out, Arkansas.
1:02
[SPEAKER_00]: 1.6 million that worth with about $182,000 annual income.
1:08
[SPEAKER_00]: And here's the wild part.
1:11
[SPEAKER_00]: Every day in 2024, 1,000 Americans became millionaires.
1:18
[SPEAKER_00]: But only about half of them are actually in the top 10 percent now.
1:24
[SPEAKER_00]: why?
1:25
[SPEAKER_00]: Because the bar keeps rising.
1:30
[SPEAKER_00]: I've gone viral several times because I challenge man that you should be striving to make a hundred thousand dollars or more a year for your family.
1:42
[SPEAKER_00]: We're seeing here now just to get into the top 10 percent, you need two hundred thousand dollars
1:52
[SPEAKER_00]: High income does not mean high net worth.
1:56
[SPEAKER_00]: You can make $200,000, and still be broke.
1:59
[SPEAKER_00]: If you're drowning in debt, living above your means, or flexing for the Instagram.
2:05
[SPEAKER_00]: Sure.
2:08
[SPEAKER_00]: The gap between income and net worth is growing.
2:15
[SPEAKER_00]: My Beyoncé which you, Gen X, is struggling with debt and family costs while boomers control most of the wealth.
2:25
[SPEAKER_00]: If you're not a home owner or an investor, you're falling for the behind.
2:31
[SPEAKER_00]: If you're not investing in home ownership, if you're not investing into the stock market, be a so-fi investing app, for an example.
2:44
[SPEAKER_00]: 100%.
2:46
[SPEAKER_00]: Let me tell you about a client of hours.
2:50
[SPEAKER_00]: We're going to call her Kisha because she told Matt can tell her story but I can't say her name.
2:54
[SPEAKER_00]: She was making $150,000 a year but had nothing to show for it.
3:00
[SPEAKER_00]: Why?
3:01
[SPEAKER_00]: Because a lifestyle inflation.
3:04
[SPEAKER_00]: because she maxed out off her credit cards and had nothing invested.
3:08
[SPEAKER_00]: No, no 401k, no IRAs, no index funds, no mutual funds, nothing.
3:15
[SPEAKER_00]: But when she said down with me, and she worked my plan for 90 days.
3:22
[SPEAKER_00]: Once she got on the plan,
3:24
[SPEAKER_00]: She got on the desk no ball plans, she created margin, she started investing inside the sofa, invest app, she went from broke to building a six-figure network in just a matter of 18 months.
3:38
[SPEAKER_00]: Besides, that's about a year and a half.
3:41
[SPEAKER_00]: She went to anthonylo.com for slash, invest and open up two brokers account.
3:47
[SPEAKER_00]: She opened up a high-altime account.
3:50
[SPEAKER_00]: Now she's saving money and Ohio saves account to purchase a home because she wants to put down 20% to get into a conventional loan and not pay the Pima.
4:05
[SPEAKER_00]: She was ready.
4:08
[SPEAKER_00]: And she said, I gotta change my mindset from middle class mindset to wealth mindset to start thinking long term.
4:15
[SPEAKER_00]: I make this hurt as to her words.
4:18
[SPEAKER_00]: She said, Anthony, I make too gag on much money.
4:22
[SPEAKER_00]: To be sitting here looking good, but I'm not good.
4:26
[SPEAKER_00]: She was driving the Mercedes.
4:29
[SPEAKER_00]: Boy, she had the Louis Vuitton jacket with the Louis Vuitton scarf and the red bottom.
4:33
[SPEAKER_00]: She looked good when she walked into, you know, my office and I was like, yo, you look like, cute, wow, wow.
4:40
[SPEAKER_00]: But then when I looked at her numbers and again, I asked her, can I tell this?
4:44
[SPEAKER_00]: She didn't look that good to me.
4:46
[SPEAKER_00]: because I sold about $2500 to $3,000 on you, but you don't even have $5,000 invested.
4:55
[SPEAKER_00]: But your income shows that you make $150,000 a year.
5:05
[SPEAKER_00]: So how do we get there?
5:08
[SPEAKER_00]: Here's the real letter.
5:11
[SPEAKER_00]: I'm gonna give you no fluff.
5:13
[SPEAKER_00]: no get rich, quick games overnight, just to prove in steps that I teach every single day to my clients who retain me for their services.
5:24
[SPEAKER_00]: And this is going to be so important.
5:28
[SPEAKER_00]: This is how you get to the top 10 percent.
5:32
[SPEAKER_00]: Step number one, you've got to get out of consumer debt, period.
5:43
[SPEAKER_00]: You can't build wealth while you're drowning in debt.
5:48
[SPEAKER_00]: You can't, while you're paying off your debt, you're building someone else as well.
5:58
[SPEAKER_00]: While you're getting up every single day going to work Monday, Tuesday, Wednesday, Friday, Saturday, Sunday for income, I want you to think about this.
6:05
[SPEAKER_00]: You're getting up Monday, Tuesday, Wednesday, Thursday, Friday, Saturday and Sunday, working two, three jobs to pay back someone else to give money to someone else for their future, for their children's children, for their goals, for their dreams, for their desires.
6:19
[SPEAKER_00]: Not for you, and not for your wealth.
6:23
[SPEAKER_00]: Shed is our family.
6:25
[SPEAKER_00]: Did you know that nearly four and 10 Americans still have zero money invested in the stock market?
6:31
[SPEAKER_00]: That's a gap where wealth is built or missed.
6:35
[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, while your savings account is barely keeping up with inflation.
6:46
[SPEAKER_00]: I want to make this plan.
6:47
[SPEAKER_00]: If you wait just five years to start investing, you could lose out on hundreds of thousands of dollars in future wealth.
6:54
[SPEAKER_00]: That's not hype, that's real math.
6:56
[SPEAKER_00]: The wealthiest 10% of Americans now own over 90% of all sides, because they started and they stayed consistent.
7:04
[SPEAKER_00]: But here's the thing, you don't need to be rich to honestly get inside of the investing game.
7:09
[SPEAKER_00]: With platforms like so-fi and best public and moomu, you can open an account today.
7:14
[SPEAKER_00]: Start with as little as $1 literally and buy fractional shares of the same assets that have built generational wealth for millions.
7:22
[SPEAKER_00]: No commissions, 100% no excuses on your read.
7:25
[SPEAKER_00]: Listen, I need you to hear me clearly, stop sitting on a sidelines.
7:28
[SPEAKER_00]: Go to anthonyo.com for Session Desk right now to compare the top investing platforms and open your first investing account today.
7:37
[SPEAKER_00]: Your future self and your children's children will thank you for taking action right now.
7:42
[SPEAKER_00]: We have to start building well, not just watching others get rich.
7:48
[SPEAKER_00]: do not let another year go by.
7:50
[SPEAKER_00]: As a matter of fact, don't let another day go by.
7:53
[SPEAKER_00]: Take the first step family.
7:54
[SPEAKER_00]: Visit www.anthonyonil.com for a session best.
7:57
[SPEAKER_00]: Let's get to work.
7:58
[SPEAKER_00]: Let's start investing ASAP.
8:00
[SPEAKER_00]: Let's get back to the show.
8:02
[SPEAKER_00]: This is why I teach used a desk no-ball method to get out of debt.
8:07
[SPEAKER_00]: You got to pay off those credit cards, those car notes and student loans.
8:11
[SPEAKER_00]: You have to free up cash to day.
8:14
[SPEAKER_00]: So you can get back to building wealth.
8:18
[SPEAKER_00]: Some of us got to get back to it, but some of us got to start building wealth.
8:22
[SPEAKER_00]: Listen, I'm not my passion doesn't come because this is something that I googled.
8:28
[SPEAKER_00]: No, my passion comes from I was broke at 20, 21, 22, 23, 24, 25.
8:33
[SPEAKER_00]: I was living in my car.
8:36
[SPEAKER_00]: I was working two, three jobs.
8:38
[SPEAKER_00]: I was a bill collector full-time eight to five and came home, wash cars, then delivered newspapers and got right back up to watches, do the same thing every single day to give my heart earn money to someone else.
8:55
[SPEAKER_00]: So when my mindset snapped, when I remember one time when I got home,
9:09
[SPEAKER_00]: And I had a bill there for $600 that I had to pay.
9:14
[SPEAKER_00]: And I paid it, and it hit me.
9:18
[SPEAKER_00]: But I'm going to work to pay other people, not to pay myself.
9:26
[SPEAKER_00]: And excuse my French because this is what I said.
9:30
[SPEAKER_00]: I said, oh hell no.
9:33
[SPEAKER_00]: This got to stop.
9:36
[SPEAKER_00]: The very first thing I did.
9:39
[SPEAKER_00]: I'm going to pick up a book, a couple of books actually, a rich dead poor dead, but Robert Kilosaki, think like a millionaire, millionaire next door, and the total money make over by Dave Ramsey.
9:55
[SPEAKER_00]: And that of all those books are resonated with Dave Ramsey's book.
10:02
[SPEAKER_00]: And I paid off my consumer debt.
10:05
[SPEAKER_00]: I started that journey, and that's what unlocked everything else from there.
10:14
[SPEAKER_00]: It felt good to get my check and be able to put that money into a high-year sales account.
10:19
[SPEAKER_00]: It felt good to get my check and not have to every single day worry about someone else calling me.
10:25
[SPEAKER_00]: It felt good.
10:31
[SPEAKER_00]: It felt good to have freedom.
10:38
[SPEAKER_00]: I want to pause this show right now.
10:43
[SPEAKER_00]: And I need everybody who's listening and everybody who's watching.
10:49
[SPEAKER_00]: I want you to close your eyes for just 10 seconds.
10:53
[SPEAKER_00]: And I want you to ask yourself, what would your life look like?
10:59
[SPEAKER_00]: If you didn't have to spend 50% of your paycheck on bills, on debt.
11:07
[SPEAKER_00]: If your student loans were gone, car loans were gone, credit card bills were gone, personal loans were gone.
11:13
[SPEAKER_00]: If you were 100% consumer debt free, what would your life look like?
11:24
[SPEAKER_00]: Now I want you to write that in the comments.
11:28
[SPEAKER_00]: I want you to write that somewhere, I want you to come back to it and be like, you know what, that's what I want my life to be like.
11:37
[SPEAKER_00]: This is exactly what I want.
11:43
[SPEAKER_00]: This is how I'm going to do it.
11:49
[SPEAKER_00]: That's what I'm aiming for.
11:52
[SPEAKER_00]: I'm aiming to take my children on the Disney crews, and I don't have to put it on a credit card.
11:59
[SPEAKER_00]: I don't have to finance it up.
12:01
[SPEAKER_00]: I'm aiming to take my kids to Godhead and show them the motherland up.
12:05
[SPEAKER_00]: I'm aiming to be able to have the wedding of my dreams.
12:12
[SPEAKER_00]: way, way, way.
12:14
[SPEAKER_00]: Here's a good go.
12:16
[SPEAKER_00]: Man, I just can't wait to be able to put money inside of my investment portfolio and watch it grow month at the month.
12:24
[SPEAKER_00]: I can't wait to pay myself.
12:25
[SPEAKER_00]: Oh, I can't wait to be in a position to where I can give over and beyond my ties.
12:32
[SPEAKER_00]: Now I can truly be a tie their end day giver.
12:41
[SPEAKER_00]: Stutting number two.
12:43
[SPEAKER_00]: Stutting number two is you got to build margin.
12:46
[SPEAKER_00]: This means simply you got to live below your means.
12:51
[SPEAKER_00]: You see, this is not about how much you make.
12:54
[SPEAKER_00]: It's about what can you keep?
12:58
[SPEAKER_00]: You see, margin for those of you all, I don't know if you could put some of the screen somehow to get creative with it, but margin is your income with your expenses.
13:09
[SPEAKER_00]: So you have this amount of money coming in, your expenses are down here, whatever is left over, that's your margin.
13:15
[SPEAKER_00]: That is what you use to build wealth to make investments to buy property, to sell them to your kids, because it's not just about your income.
13:25
[SPEAKER_00]: It's about what you keep.
13:27
[SPEAKER_00]: I need you to be tracking your spending.
13:30
[SPEAKER_00]: I need you to cut lifestyle and flation and create a gap between your income and expenses.
13:39
[SPEAKER_00]: Because when we have that margin, watch this.
13:42
[SPEAKER_00]: That's when we start getting excited.
13:44
[SPEAKER_00]: Because now we see what we can do.
13:48
[SPEAKER_00]: And one of the best ways to have margin is to track.
13:54
[SPEAKER_00]: your spending is to have a budget a zero base budget if you're not budgeting you don't know what your money is doing you're only wondering what your money is doing if you don't track what you spend you can't control where you're going oh my gosh if you don't sit down and tell your money what to do your money is going to tell you what to do
14:20
[SPEAKER_00]: I want to ask you a question, how many of you all are tracking your spending every single month?
14:28
[SPEAKER_00]: Let me know in the comment section below.
14:31
[SPEAKER_00]: Here's a number three if you want to get into the top 10%.
14:34
[SPEAKER_00]: Here it is.
14:35
[SPEAKER_00]: You got to invest aggressively.
14:37
[SPEAKER_00]: Remember, I've been teaching.
14:39
[SPEAKER_00]: I want you to be investing.
14:40
[SPEAKER_00]: 20, I'm sorry, 12 to 22%, 22%, 25% technically, is 22% to 25%.
14:47
[SPEAKER_00]: All right, here's the thing, what do you mean?
14:54
[SPEAKER_00]: What do you mean by invest 22 to 25% Anthony?
14:59
[SPEAKER_00]: I want you to invest aggressively.
15:01
[SPEAKER_00]: I told you all on 2026, I'm gonna be on you.
15:05
[SPEAKER_00]: I don't want you just saving your money.
15:06
[SPEAKER_00]: I want you investing your money.
15:09
[SPEAKER_00]: And I want you to automatically do this.
15:11
[SPEAKER_00]: Now, this is going to sound different because you know, I'm going to have to do what is this have to do about the 10%, but let me tell you how to get in the 10%, it's the secret ingredient.
15:20
[SPEAKER_00]: The first 10% of your check needs to go to your local church.
15:24
[SPEAKER_00]: I did a whole show about this.
15:26
[SPEAKER_00]: I taught about an importance of investing.
15:28
[SPEAKER_00]: I know, you know, Drew Ski did a whole show going after the makeup churches.
15:34
[SPEAKER_00]: And while it was hilarious,
15:36
[SPEAKER_00]: and our respect to his talent, I still stand by the church.
15:41
[SPEAKER_00]: I don't care what that clip portray the church to be.
15:46
[SPEAKER_00]: Watch this, I'm not giving my money to the pastor.
15:50
[SPEAKER_00]: I'm being obedient to what I believe the word to say about me and my life.
15:56
[SPEAKER_00]: I'm being obedient and following the scriptures.
16:01
[SPEAKER_00]: No giving is not a hell or heaven thing.
16:04
[SPEAKER_00]: No, you're not sending it if you're not tithing.
16:06
[SPEAKER_00]: But you are, watch this, watch this.
16:09
[SPEAKER_00]: Or this is gonna be good.
16:10
[SPEAKER_00]: I'm about to teach you.
16:12
[SPEAKER_00]: I'm about to teach you.
16:13
[SPEAKER_00]: I'm about to teach you.
16:14
[SPEAKER_00]: I'm about to teach you.
16:15
[SPEAKER_00]: I got to live right here for a little bit.
16:19
[SPEAKER_00]: Tithing produces favor.
16:25
[SPEAKER_00]: Tithing gives you favor with the father.
16:29
[SPEAKER_00]: because you're not being selfish, and because you're just simply doing what he said you should do.
16:33
[SPEAKER_00]: I remember one time, one time, one time.
16:36
[SPEAKER_00]: I was at home and I was a kid.
16:39
[SPEAKER_00]: I was in high school and one day I came home, I saw that the grass needed to be cut.
16:48
[SPEAKER_00]: Well, we normally cut grass in Saturdays.
16:51
[SPEAKER_00]: Me and my dad were normally wake up on Saturday mornings, cut the grass, wash the cars, then me and him go out and play basketball and come get my mom and we'll probably go out and get something to eat together as a family or something like that, right?
17:03
[SPEAKER_00]: Well, on this particular Monday, the grass looked bad.
17:07
[SPEAKER_00]: It was just, it just got done raining and the grass just grew real thick.
17:10
[SPEAKER_00]: Why didn't have any homework?
17:12
[SPEAKER_00]: I said, you know what?
17:13
[SPEAKER_00]: Let me get out there and cut the grass.
17:14
[SPEAKER_00]: I mind you, my parents at that time live in Holt, Meals, North Carolina.
17:17
[SPEAKER_00]: And we had a massive trial-level house, a shoes front yard and a shoes backyard.
17:23
[SPEAKER_00]: Every bit of an hour and a half to cut that grass.
17:28
[SPEAKER_00]: They weren't home.
17:30
[SPEAKER_00]: Man, I cut that grass real good, real good.
17:33
[SPEAKER_00]: I had lines going in it.
17:34
[SPEAKER_00]: I did some trimming, came in, took a shower.
17:38
[SPEAKER_00]: My dad came home.
17:42
[SPEAKER_00]: You got a grass?
17:42
[SPEAKER_00]: I was like, yes sir.
17:43
[SPEAKER_00]: I don't know, man, it's what's up.
17:46
[SPEAKER_00]: Then, I think later on that week, my mom just got done cooking dinner.
17:52
[SPEAKER_00]: I got up and I started cleaning the dishes.
17:58
[SPEAKER_00]: Then at Saturday, I got up, we cut the grass again.
18:03
[SPEAKER_00]: I'll wash the car.
18:07
[SPEAKER_00]: While we was driving to the game, my dad took some money out of his pocket, reached behind the driver's seat and handed me a $25.
18:20
[SPEAKER_00]: I said, what's this for, pops?
18:30
[SPEAKER_00]: I just want to give you a little sum, some extra.
18:38
[SPEAKER_00]: Like I said, 25, I was Anthony Cody.
18:40
[SPEAKER_00]: I was like, 25, I was back in 19.
18:42
[SPEAKER_00]: There was like 1999, 2000.
18:44
[SPEAKER_00]: I was some good money.
18:46
[SPEAKER_00]: That was money.
18:47
[SPEAKER_00]: My pockets when I went to school, I could buy, you know, I'm saying to make Donald cheeseburger during lunchtime.
18:52
[SPEAKER_00]: I had to go through the cafeteria line.
18:55
[SPEAKER_00]: I could do a, I could stretch 25.
18:57
[SPEAKER_00]: I was back then.
19:01
[SPEAKER_00]: But because, think about this as a parent, when you see your children doing things extra and just being obedient and following the rules and washes going over and beyond the rules, it makes you as a parent want to acknowledge and reward and give them some extra favor in their life.
19:30
[SPEAKER_00]: It just adds favor to the other 90% and watch God multiply and build that 90% because you did something that you do not have to do.
19:42
[SPEAKER_00]: You gave even though somebody churches are not doing the right thing with their funds.
19:47
[SPEAKER_00]: That's beyond us.
19:48
[SPEAKER_00]: I'm not going to skip over that.
19:50
[SPEAKER_00]: But this is not about what the pastor is driving and what the pastor got going on.
19:54
[SPEAKER_00]: I can't afford not to give.
19:57
[SPEAKER_00]: Because I have dreams, I have goals, I have a vision, and I need God at them.
20:04
[SPEAKER_00]: And so God, you know what the pastor is doing behind closed doors.
20:08
[SPEAKER_00]: You know what the church is doing behind closed doors with the money.
20:11
[SPEAKER_00]: Please don't penalize me for me being obedient.
20:14
[SPEAKER_00]: Yes, check them, get rid of them.
20:17
[SPEAKER_00]: Do what you guys do with them.
20:19
[SPEAKER_00]: But God, look at my seed into the ground.
20:28
[SPEAKER_00]: So I get a 10%, because one of the quickest ways get to the top 10% of the people.
20:34
[SPEAKER_00]: Watch this, is with him by our size.
20:39
[SPEAKER_00]: Then after that,
20:40
[SPEAKER_00]: I want you investing aggressively.
20:42
[SPEAKER_00]: I will say, man, put about 15% inside of a good mutual fund, inside of a good index fund.
20:49
[SPEAKER_00]: Because the earlier, the earlier you start, the more time your money has to grow.
20:56
[SPEAKER_00]: I've said it several times.
20:57
[SPEAKER_00]: If you start with $100 a month at age 25, you could have over a million dollars by retirement just from compound growth.
21:07
[SPEAKER_00]: Listen, I have a list of, of, of, of, good brokers accounts that are easy to understand.
21:16
[SPEAKER_00]: You don't have to put a lot of money into it.
21:18
[SPEAKER_00]: Heck, you can open up a brokerage account today with just $5 and buy a fraction of a share and start making money today.
21:28
[SPEAKER_00]: If you want to get into the top 10%, for sure you've got to invest, but if you want to get
21:38
[SPEAKER_00]: You've got to also invest into the kingdom.
21:41
[SPEAKER_00]: I want to go to anthonyonil.com forward slash invest.
21:44
[SPEAKER_00]: Again, that is anthonyonil.com forward slash invest.
21:49
[SPEAKER_00]: Because, ooh.
21:53
[SPEAKER_00]: Typing is compounding.
21:56
[SPEAKER_00]: Compound interest is a eighth wonder.
21:59
[SPEAKER_00]: Compound interest is the silent best friend that is rooting for you.
22:05
[SPEAKER_00]: compound interest is what's going to help you when you're family.
22:11
[SPEAKER_00]: Get to 70, get to 80, and you're living off of your interest, not off of a social security check.
22:19
[SPEAKER_00]: Open up an IRA for your children now.
22:22
[SPEAKER_00]: Open up a 529 account for your children now.
22:26
[SPEAKER_00]: Now, go to anthonyo.com for SessionVess.
22:30
[SPEAKER_00]: I personally use so far in Vess because it doesn't require me to have a large amount of money to open up and they're going to give you $1,000 up to $1,000 and free stocks simply for just opening up an account.
22:44
[SPEAKER_00]: The link should be up on the screen and it should be inside of the show description.
22:48
[SPEAKER_00]: Here's the number four.
22:50
[SPEAKER_00]: If you want to get into the top 10 percent.
22:53
[SPEAKER_00]: Strategically, you have to become a home owner.
22:57
[SPEAKER_00]: You see, home ownership is still one of the biggest wealth builders, especially, especially, no disrespect when I say this, but for black and brown middle-class families.
23:10
[SPEAKER_00]: You know, the wealth gap between African Americans and my brothers and sisters
23:21
[SPEAKER_00]: The reason why that culture, that community is ahead of us, is because back in slavery time, we could not own.
23:29
[SPEAKER_00]: Then we got to the point of owning, redlining, prevent it from getting into the proper areas to where we can be a homeowner and see our homes go up in value.
23:41
[SPEAKER_00]: So in 2026, when I'm hearing all this crap about buying a home is not smart and you should rent it, I want to tell these idiotic social media influers to shut up because we're black and brown families.
23:57
[SPEAKER_00]: It is important for everybody's important if you want to build well.
24:01
[SPEAKER_00]: Real estate is still one of the greatest ways to build wealth, but you have to do it strategically.
24:09
[SPEAKER_00]: You gotta be smart with how you buy, and you can't overextend your income.
24:18
[SPEAKER_00]: Because if you do it strategically, and what do you mean by strategically, Anthony?
24:22
[SPEAKER_00]: Let me tell you.
24:24
[SPEAKER_00]: For me, home ownership is your mortgage payment.
24:31
[SPEAKER_00]: to 30 max 35% of your take home pay if you're out of debt, if you're still in debt and your mortgage payment needs to be 25% and Anthony is 26 and interest rates of mortgages are still at 6% where in the world am I going to get it then remember what I said home ownership strategically.
24:51
[SPEAKER_00]: If your mortgage payment is going to be 40 to 55 40 to 50% of your check your
25:00
[SPEAKER_00]: You need to stay renting, get your debt down, to where you can get your mortgage payment to the max 35% of you take on bed.
25:11
[SPEAKER_00]: Not your gross pay, because watch this, bankers are going to give you a long approval based upon your gross pay.
25:18
[SPEAKER_00]: Doesn't it make any sense?
25:19
[SPEAKER_00]: I don't see the gross money.
25:21
[SPEAKER_00]: So you should be approving me on net pay.
25:24
[SPEAKER_00]: So ask them, hey, can you give me the math on net pay please?
25:30
[SPEAKER_00]: I only can do 25 to 35% which includes my mortgage payment and my insurance.
25:40
[SPEAKER_00]: And my escrow, and it needs to be a fixed rate, not in adjustable rate, don't let them talk you into it.
25:46
[SPEAKER_00]: Well, I can get you in at 25% for the first three years and then it will have a balloon and you'll go up three years later.
25:55
[SPEAKER_00]: What if life hits?
25:55
[SPEAKER_00]: What if you lose a job?
25:56
[SPEAKER_00]: What if you lose some income?
25:58
[SPEAKER_00]: Now your payments go up, now you're screwed, now you've got a 50% mortgage payment that you can't even afford.
26:08
[SPEAKER_00]: Both the individuals have real estate.
26:11
[SPEAKER_00]: Both the individuals even have dirt.
26:17
[SPEAKER_00]: Well, the individuals, uh-oh, uh-oh.
26:20
[SPEAKER_00]: Well, the individuals are going to Ghana, are going to Africa to buy rental properties there.
26:28
[SPEAKER_00]: I just bought a rental property.
26:29
[SPEAKER_00]: I paid 100 and some $1,000 for a brand new condo that is already worth about $200,000,
26:38
[SPEAKER_00]: I'm already talking to this builder and telling them that man, I'm going to be moving there and living there for about three to four months out of the year.
26:50
[SPEAKER_00]: I want a town home that I can live in while I'm there and then Airbnb it out.
26:56
[SPEAKER_00]: I want to get in now.
26:57
[SPEAKER_00]: What's on the rise?
27:00
[SPEAKER_00]: What can I get into now and pay it off the next three to four years?
27:09
[SPEAKER_00]: Listen, as a matter of fact, we're actually taking a group of people to gona this year.
27:15
[SPEAKER_00]: And we're not just going to go into our gona, 50% of the trip.
27:19
[SPEAKER_00]: Both of the trips, we got one trip in November, then we got another trip for new years.
27:24
[SPEAKER_00]: We're going to do Daddy December.
27:28
[SPEAKER_00]: So I'm telling right now, it's going to be amazing.
27:29
[SPEAKER_00]: Matter of fact, check out this quick commercial and to learn more about what we're doing and how you can join this trip.
27:35
[SPEAKER_00]: Family, what if I told you the biggest wealth move of your life isn't in your backyard?
27:42
[SPEAKER_00]: It's across the ocean.
27:43
[SPEAKER_00]: You see, right now, Ghana is the number one overlook opportunity for building wealth, legacy, and financial freedom.
27:49
[SPEAKER_00]: You see, I just purchased a condo in a crop and I want you to see why I'm betting big on the motherland.
27:55
[SPEAKER_00]: called Africa.
27:56
[SPEAKER_00]: You see, most people think wealth is only built in America, but the smart money individuals are moving globally.
28:03
[SPEAKER_00]: Ghana's real estate, businesses, and life-thaw opportunities are exploding and the doors wide open for us to get in early.
28:10
[SPEAKER_00]: Don't let fear or old mips keep you from the next big wealth move.
28:15
[SPEAKER_00]: This fall, I'm taking a group of like-minded, legacy-driven people who desire to build wealth to Ghana.
28:21
[SPEAKER_00]: Uaturo investment properties meet local experts and experience the culture and see first hand how you can build wealth and impact for your children's children children.
28:31
[SPEAKER_00]: But listen, that'll be honest with you.
28:32
[SPEAKER_00]: Between both trips, man, we only have about 20 seats left.
28:37
[SPEAKER_00]: Don't just watch from the sidelines.
28:39
[SPEAKER_00]: Come to Ghana with us, visit anthonyonil.com for slash Ghana to learn more and to secure your spot for this life changing trip.
28:47
[SPEAKER_00]: Now listen, space is limited and you do not want to miss out on this opportunity.
28:51
[SPEAKER_00]: All right, so family, let's build wealth together.
28:53
[SPEAKER_00]: Let's build legacy and freedom together.
28:56
[SPEAKER_00]: Go to anthonyonil.com for slash Ghana and join us in Ghana this fall.
29:01
[SPEAKER_00]: Your future self, I promise you, with thank you.
29:04
[SPEAKER_00]: Come see the muddle and with me.
29:05
[SPEAKER_00]: All right, let's get back to the show.
29:07
[SPEAKER_00]: All right.
29:08
[SPEAKER_00]: So go to anthonyo.com for slash Ghana man, join us.
29:12
[SPEAKER_00]: We only have like maybe four five seats for the one in November.
29:16
[SPEAKER_00]: But we just opened up the New Year's Eve special and we're going to be going around and looking at different properties that are available in Ghana that you can get into for the show.
29:26
[SPEAKER_00]: Check this out, man.
29:26
[SPEAKER_00]: Let's let me say this and we're going to go in a step number five.
29:33
[SPEAKER_00]: Let me talk to my brothers and sisters who look like me, my black brown, Hispanic, Mexican brothers, and sisters.
29:41
[SPEAKER_00]: We miss out because we observe too long.
29:47
[SPEAKER_00]: When we see that is the right thing to do, then we get into it and by the time we get into it is too late.
29:54
[SPEAKER_00]: Pastor Torrey Robert says something to me, he said, Ghana is not the future.
29:59
[SPEAKER_00]: Ghana is now.
30:03
[SPEAKER_00]: you're going to spend money this year.
30:05
[SPEAKER_00]: Why not invest it into something number one into the motherland number two into yourself.
30:14
[SPEAKER_00]: You don't have to live there.
30:17
[SPEAKER_00]: You don't have to live in Ghana to reap it, but what if you could have a property in Ghana?
30:22
[SPEAKER_00]: You could take your family, your children there and and give them a little bit of the motherland of our culture once a year for two weeks
30:34
[SPEAKER_00]: So come learn, come learn, come learn, join us.
30:42
[SPEAKER_00]: Stetner five, protect and multiply.
30:46
[SPEAKER_00]: Listen, listen, listen, you all.
30:48
[SPEAKER_00]: This is in a state plan, this is having a legacy.
30:53
[SPEAKER_00]: I need you to set up your will, set up a trust, set up a power of attorney,
31:06
[SPEAKER_00]: You see, the top 10%, don't just eliminate that, you don't just secure, watch this, secure, more well, but they also secure their wealth for their loved ones to take that into multiply.
31:25
[SPEAKER_00]: Make sure your children's children children are covered.
31:29
[SPEAKER_00]: You see, wealth isn't just about you, it is about your legacy.
31:38
[SPEAKER_00]: It's not just about how do I look at it like this.
31:48
[SPEAKER_00]: I'm a chore to get to this point.
31:53
[SPEAKER_00]: My insurance policy was hard at first.
31:57
[SPEAKER_00]: And here's why it was hard, man.
32:01
[SPEAKER_00]: Because I looked at it as
32:09
[SPEAKER_00]: I'm going to part of that as true.
32:13
[SPEAKER_00]: The estate plan doesn't benefit Anthony O'Neill.
32:16
[SPEAKER_00]: That was my philosophy.
32:18
[SPEAKER_00]: As I'm matured and evolved, I realize that a estate plan does benefit me.
32:26
[SPEAKER_00]: Because when I leave here from the flesh, I still want my spirit to be here.
32:32
[SPEAKER_00]: I still want my name to be remembered and known.
32:37
[SPEAKER_00]: But if I don't position my children, my kids, my loved ones, to reap for my hard earned work, then when I die, everything that I've done has died with me, I still pray that if, when God decides that it is my time to come home with him, that this YouTube channel is still producing millions for my family, that my teachings
33:07
[SPEAKER_00]: and your children's children when it comes to the basic of financial literacy.
33:13
[SPEAKER_00]: I'm still hoping that my books that I've written are still selling.
33:18
[SPEAKER_00]: And if everything goes well that I plan, who's gonna get the benefit of that?
33:25
[SPEAKER_00]: The banks, the companies that, oh, no, no, no, no.
33:28
[SPEAKER_00]: You two, Google and keep in this check, my family's gonna get it.
33:33
[SPEAKER_00]: As you all know, I have adopted two of my cousins.
33:38
[SPEAKER_00]: Their mother is my favorite person in the whole wide world.
33:49
[SPEAKER_00]: And I saw the hell she was going through as a single mother.
33:55
[SPEAKER_00]: I remember when she called me and told me she was pregnant.
34:02
[SPEAKER_00]: I remember their father, I remember when my cousin in her daughter's father broke up.
34:20
[SPEAKER_00]: And when they broke up it was almost like he broke up with his children.
34:32
[SPEAKER_00]: That's a piss poor man to have children.
34:34
[SPEAKER_00]: And because you don't see eye to eye with their mother, you're upset with them.
34:50
[SPEAKER_00]: I want to pause right here and I want to say this, I want to look you dead in the camera.
34:58
[SPEAKER_00]: I have men who work with me.
35:00
[SPEAKER_00]: I have two rules, two rules, two rules.
35:06
[SPEAKER_00]: Then number one rule in my company that if you're gonna work with me, if you cheat, you gotta resign.
35:15
[SPEAKER_00]: Because I can't trust a man and a door woman.
35:19
[SPEAKER_00]: If you can cheat on God and cheat on a woman who you made about to God with, then you'll definitely cheat on me.
35:27
[SPEAKER_00]: So I can't even be connected to you, but, too, if you're not a father to the children who you brought into this world, we can't even be associated.
35:48
[SPEAKER_00]: I don't care how bad mama is, wash his mother, I don't care how bad father is.
35:55
[SPEAKER_00]: That child didn't ask to come into this place.
36:00
[SPEAKER_00]: This has nothing to do with the top 10%, but yes, do I do believe?
36:04
[SPEAKER_00]: I do believe it, because when you are a good steward over your children, that also brings another favor into your life.
36:13
[SPEAKER_00]: So men specifically, if you got a child,
36:18
[SPEAKER_00]: and you have not seen him.
36:22
[SPEAKER_00]: If you're not fathering, you're a piss poor man.
36:37
[SPEAKER_00]: You're not a man of integrity, you're not a man of character.
36:42
[SPEAKER_00]: And my respectful humble opinion, you need to grow up.
36:48
[SPEAKER_00]: And when I saw that from their father, I did not want my two cousins by blood to grow up and looking at black men, that black men are going to fell down.
37:00
[SPEAKER_00]: So what did I do?
37:01
[SPEAKER_00]: I adopted them myself.
37:05
[SPEAKER_00]: I added them to my estate to where when I passed, when I leave, those two will reap.
37:18
[SPEAKER_00]: a harvest.
37:21
[SPEAKER_00]: Because I want them to know, while your natural father was not there, I thought about you in my estate.
37:28
[SPEAKER_00]: I thought about you in my insurance policy.
37:30
[SPEAKER_00]: I thought about you.
37:31
[SPEAKER_00]: If I can do that from my cousins, why have you not done that?
37:39
[SPEAKER_00]: Why have you not added your insurance policy?
37:44
[SPEAKER_00]: Why have you not completed an estate plan with the wheel and with the trust?
37:50
[SPEAKER_00]: Do not go through 2026 thinking you got time.
37:56
[SPEAKER_00]: Because you don't know what's going to happen.
38:01
[SPEAKER_00]: If you're watching this right now,
38:04
[SPEAKER_00]: I can't remember the lens off the top of my head.
38:06
[SPEAKER_00]: I'm going to put inside of the show knows a couple places where you can go and get your estate plan down, which is your will, your trust, auto type of stuff.
38:15
[SPEAKER_00]: You can definitely go to anthoneo.com for slash life insurance to get to your life insurance policy.
38:20
[SPEAKER_00]: But here me clearly get the estate fine.
38:27
[SPEAKER_00]: Listen, let's move on.
38:30
[SPEAKER_00]: I got emotional there.
38:30
[SPEAKER_00]: I'm sorry.
38:34
[SPEAKER_00]: don't let you zip code decide you legacy.
38:40
[SPEAKER_00]: If you're not in California or New York, you can build well faster by leveraging lower cost of living, remote work, and local investing.
38:52
[SPEAKER_00]: The bar is different, but the process is the same.
38:59
[SPEAKER_00]: Listen, family, listen.
39:01
[SPEAKER_00]: Black Wall Street was built in Tulsa, Oklahoma, not New York, not LA, not Hollywood, but in Tulsa, Oklahoma.
39:26
[SPEAKER_00]: Well, isn't just about the numbers.
39:30
[SPEAKER_00]: It's about freedom, faith, and giving back.
39:34
[SPEAKER_00]: Like I said earlier, tithing and being generous are not negotiables for me.
39:41
[SPEAKER_00]: Some of y'all may say, Anthony, God ain't going to help you become a millionaire.
39:44
[SPEAKER_00]: That's a lie.
39:47
[SPEAKER_00]: Why do I know that's a lie?
39:48
[SPEAKER_00]: Because I know God can trust me with more when I'm a good story of it.
39:57
[SPEAKER_00]: And I've said this before, I've seen God personally move in my life and in my business every time I put him first and every time I think outside of myself.
40:14
[SPEAKER_00]: When I started feeling like my company was coming down, I still stayed faithful.
40:19
[SPEAKER_00]: I was still was tithing.
40:21
[SPEAKER_00]: I was still taking care of my two daughters, helping them out with their school and their cars and just their life.
40:26
[SPEAKER_00]: I was still being generous.
40:31
[SPEAKER_00]: I was still making sure that that my team members and my staff are still getting their check.
40:36
[SPEAKER_00]: Even though I may not even get a check.
40:41
[SPEAKER_00]: But the 10% that I gave to God,
40:45
[SPEAKER_00]: the offering that I gave to him on top of my ties, the generosity that I give to two young Godows now who are in college who are not my blood children, but I look at them as my daughters.
41:02
[SPEAKER_00]: It comes back in a ways.
41:04
[SPEAKER_00]: I can't even explain.
41:08
[SPEAKER_00]: I don't know how my company does, two, $300,000 a year.
41:14
[SPEAKER_00]: I don't know how I got a million of you all.
41:17
[SPEAKER_00]: Follow me just on YouTube.
41:19
[SPEAKER_00]: I don't know how I got to the point to where I'm driving my dream cars and I don't know how I'm able to take my team and my staff and several of you all over the Africa and build in Africa.
41:30
[SPEAKER_00]: I don't know how I'm able to start a school in Africa.
41:35
[SPEAKER_00]: I don't know how I got to the 10% with the top 10% of American people over the last five years.
41:44
[SPEAKER_00]: I can't pinpoint it on one thing.
41:46
[SPEAKER_00]: Like, oh, yep.
41:47
[SPEAKER_00]: That's why, no.
41:48
[SPEAKER_00]: The only thing I can say is, let's go.
41:54
[SPEAKER_00]: I'm still in therapy.
41:55
[SPEAKER_00]: I still got issues in my life that I have to work on.
41:59
[SPEAKER_00]: I still
42:04
[SPEAKER_00]: but I believe my generous heart.
42:08
[SPEAKER_00]: I believe my desire to better steward, my income steward, my platform, and steward, my mind.
42:17
[SPEAKER_00]: It comes back into life.
42:20
[SPEAKER_00]: Listen, I want this to be a ministry moment, because you all know me.
42:23
[SPEAKER_00]: And if you've got to the end of this video, thank you so much for rocking with me.
42:30
[SPEAKER_00]: But I want people to come and read the comments and see how God has blessed them, bless you and bless others.
42:36
[SPEAKER_00]: Because right now, everyone's laughing at the church and we're seeing some of the church's misrepresent.
42:42
[SPEAKER_00]: We've got people going out to each other, but I want to challenge you.
42:46
[SPEAKER_00]: If you've seen generosity change your life, if you've seen the power of giving and being a blessing and if you've seen the power of the Word of God,
42:58
[SPEAKER_00]: change your life.
43:00
[SPEAKER_00]: I want to just share your story in the comments.
43:02
[SPEAKER_00]: I want to encourage the world.
43:06
[SPEAKER_00]: I want to encourage people that God is still relevant and He can still help you get to where you want to go.
43:16
[SPEAKER_00]: I really, really, really, really, really, really do.
43:19
[SPEAKER_00]: So be a comment below.
43:21
[SPEAKER_00]: When people come, I'm with them to see the power of generosity.
43:24
[SPEAKER_00]: And I know I know, I know it is about a top 10% and I got you.
43:27
[SPEAKER_00]: But I really do believe, we have all the right ingredients.
43:33
[SPEAKER_00]: But have you ever cooked something and like, ooh, it tastes good, but it's missing something to get it just right over the top, I think God is that right over the top.
43:50
[SPEAKER_00]: We're in the top 20% we're in the top 25%
44:01
[SPEAKER_00]: I posted that I was going to be doing a show about this on my email list, and I said, hey, what are some questions that you all may have and some people sent a question.
44:13
[SPEAKER_00]: And so we're going to put some of these questions up on the screen, somehow in a way however it is going to do it, but the very first question that I got when it comes to how do I get into the top 10% how do I invest, the very first question was, what if I'm starting
44:31
[SPEAKER_00]: Let me say this.
44:32
[SPEAKER_00]: It's never too late.
44:34
[SPEAKER_00]: Let me say this one more time.
44:36
[SPEAKER_00]: I don't care if you're 70 years old, it's never too late to start.
44:43
[SPEAKER_00]: Start with the desk, no ball, okay?
44:47
[SPEAKER_00]: Start creating that margin, start building margin and invest what you can.
44:52
[SPEAKER_00]: The best time to plant a tree, honestly, was about 20 years ago.
44:56
[SPEAKER_00]: I just planted trees into my backyard
45:02
[SPEAKER_00]: The second best time, no, is today.
45:05
[SPEAKER_00]: I asked myself, I said, well, dang, I don't plan on being here for another 20 years.
45:10
[SPEAKER_00]: But then I thought about it, but you plan on renting this out in the next 20 years.
45:13
[SPEAKER_00]: I said, right, plant the trees today.
45:16
[SPEAKER_00]: So 20 years from now, when you're renting out the house, you have a privacy for the people who rent out the house, it will help you sell the house, not sell the house, but rent the house even faster.
45:27
[SPEAKER_00]: It's never too late, get out of a debt.
45:30
[SPEAKER_00]: start building margin.
45:32
[SPEAKER_00]: Go to amphonyonil.com for session vests so you can get into a brokerage account, take that margin, invest into a 401k, invest it into your brokerage account where you're going to open up an index fund, a mutual fund, an ETF.
45:45
[SPEAKER_00]: Now is the best day to get stuff.
45:48
[SPEAKER_00]: I don't care if you 75.
45:50
[SPEAKER_00]: How do we put more money into your pocket?
45:53
[SPEAKER_00]: The next question that I got was I thought was a good one is, what if I don't make six figures, A.O.
45:59
[SPEAKER_00]: Listen, y'all?
46:01
[SPEAKER_00]: It's not about how much you make.
46:03
[SPEAKER_00]: It's about what you do with what you have.
46:06
[SPEAKER_00]: I've seen people who are school teachers who make $40,000 a year, build six figure networks by following these steps.
46:15
[SPEAKER_00]: I've seen accountants who make $85 to $90,000, build a seven-figure portfolio over 30, 40 years.
46:24
[SPEAKER_00]: Why?
46:25
[SPEAKER_00]: Because they live in below their means, going back to their investing, their eliminating their consumer debt.
46:33
[SPEAKER_00]: They're not buying all the name brand stuff.
46:35
[SPEAKER_00]: They didn't buy the most dismissive house, the most expensive cars.
46:39
[SPEAKER_00]: but they had a strategy and a stuck to the strategy over a period of time.
46:43
[SPEAKER_00]: They didn't look for the gift rich, quick schemes that overnight success things and say, you know what?
46:48
[SPEAKER_00]: I'm gonna continue giving 22 to 25% of my income.
46:51
[SPEAKER_00]: I'm gonna tie them, I'm gonna invest in the other 12 to 15%.
46:57
[SPEAKER_00]: And today, watch this, they're living off of the interest that their money makes.
47:02
[SPEAKER_00]: So they don't even have to touch the principle of their money.
47:07
[SPEAKER_00]: They're just pulling out the interest and living off that every single month.
47:13
[SPEAKER_00]: So listen, do I want you to have more income coming in, yes?
47:18
[SPEAKER_00]: But whatever you have coming in right now, the key thing is strategy, strategy.
47:25
[SPEAKER_00]: Here's another question that I thought was really, really good.
47:26
[SPEAKER_00]: I want to answer this one.
47:29
[SPEAKER_00]: It's home ownership, really, really worth it.
47:33
[SPEAKER_00]: And I'm gonna be honest with you.
47:35
[SPEAKER_00]: for most families, yes, if you buy smart, if you go into the home with age strategy and don't overextend, it's a foundation for generational wealth.
47:50
[SPEAKER_00]: I can't wait to pass my homes down.
47:53
[SPEAKER_00]: I have it laid out inside of my, inside of my state plan and actually, I need to actually thank y'all for asking this question.
48:05
[SPEAKER_00]: um um unit to my estate plan because that's the new asset and you know what I'm about to call her on my way to school um so I'm about to do that today.
48:14
[SPEAKER_00]: Thank you for asking this question but if you're doing this strategically absolutely now is it going to benefit you today one way yes to your network but if you pass it down it really benefits your family because now think about it.
48:28
[SPEAKER_00]: My goal is all of my rental properties god willing before I pass
48:36
[SPEAKER_00]: all of my land has paid up.
48:38
[SPEAKER_00]: So now it goes towards my net worth, right?
48:41
[SPEAKER_00]: But when I pass, now I'm handing something over to my family that now gives my two adopted daughters, my nephews and my niece.
48:52
[SPEAKER_00]: If I don't have any other kids, elect up in an advantage because of me, because of me being strategic with how I purchased property.
49:02
[SPEAKER_00]: Now, preferably I'll be married and of course you all know my philosophy is this, my wife will get 75% of every single thing that we have built that I have and then 25% will be divided amongst my adopted children, my nephews and my niece and my siblings.
49:21
[SPEAKER_00]: I'm not even giving anything to my parents if I was to pass everything would go to the generation before, be low me.
49:31
[SPEAKER_00]: I will make sure my parents can bury me.
49:33
[SPEAKER_00]: I already have that money set aside.
49:35
[SPEAKER_00]: Just in case life wasn't happened.
49:37
[SPEAKER_00]: But I want to be a blessing to the generation below me.
49:43
[SPEAKER_00]: And then a large shake will even go to my church as well.
49:46
[SPEAKER_00]: Listen, as we close, the bar for wealth is rising, but the process is to say.
49:53
[SPEAKER_00]: Get out of debt, build margin, invest on and protect your legacy.
49:58
[SPEAKER_00]: Don't let the headline scare you.
50:01
[SPEAKER_00]: Honestly, it motivates me to keep on moving.
50:05
[SPEAKER_00]: I'm going to ask you this, let me know in the comment section and then I got to get up out of here because at the time with me recording this show, I got to head down to I'm looking at my watch under the memo and my hand like I got my watch on Luigi because at the time of the recording is so I'm starting my first class for the year 26 as a professor at Virginia University.
50:25
[SPEAKER_00]: And so I want to ask you which steps are you working on right now?
50:30
[SPEAKER_00]: If you want to get into the top 10% let me know in the comments, what steps are you working on?
50:35
[SPEAKER_00]: Please make sure to check the show description for all the links to help you get to the top 10%.
50:40
[SPEAKER_00]: All right.
50:41
[SPEAKER_00]: It's your boy Anthony O'Neill.
50:43
[SPEAKER_00]: I love you all.
50:44
[SPEAKER_00]: Truly.
50:45
[SPEAKER_00]: I know I probably went on a little tangent a little bit today and I got off a little bit but I hope you hear my heart.
50:50
[SPEAKER_00]: Brother's I hope you hear my heart.
50:52
[SPEAKER_00]: We are the foundation of our families.
50:55
[SPEAKER_00]: We are the foundation of our families.
50:57
[SPEAKER_00]: We said it one more time.
50:59
[SPEAKER_00]: We are the foundation of our families.
51:06
[SPEAKER_00]: And I feel led just to say this has to be closed.
51:12
[SPEAKER_00]: I can't speak to the woman because I'm not a woman, so I won't speak to that.
51:15
[SPEAKER_00]: I'm not sending that brothers out here, me clearly.
51:17
[SPEAKER_00]: I'm not sending that they are good.
51:18
[SPEAKER_00]: I'm not saying that your children's mothers are good.
51:21
[SPEAKER_00]: I don't want to say that.
51:26
[SPEAKER_00]: because I do believe that.
51:28
[SPEAKER_00]: There are some things that our sisters do need to work on themselves, but I'll save that for another day and for another person to speak to that, but for me as a man, it starts with us.
51:39
[SPEAKER_00]: Brother, I don't care if that woman is giving you a hard time as a mother.
51:44
[SPEAKER_00]: Pray for, you step up and do everything you possibly can as a father.
51:50
[SPEAKER_00]: because there's only two people who's going to acknowledge that you did it right.
51:53
[SPEAKER_00]: Number one is going to be God and God can do some amazing things in your life and in your children's life and in your heart, the number two your children.
52:01
[SPEAKER_00]: You all know my story.
52:02
[SPEAKER_00]: I have four loving parents.
52:04
[SPEAKER_00]: What happened to my biological parents?
52:06
[SPEAKER_00]: I won't say too much, but in a respectful way.
52:09
[SPEAKER_00]: In this particular situation, my biological father was done wrong.
52:19
[SPEAKER_00]: To see them, my biological father never treated me any differently because of what happened between him and my mom.
52:27
[SPEAKER_00]: To see him still calling, to see him still giving, to see that he's still cared.
52:31
[SPEAKER_00]: To this day, man, I love all four of my parents because that situation, I don't know what parents were doing that situation today.
52:49
[SPEAKER_00]: All four of my parents will call each other and say happy mother's day and happy father's day.
52:56
[SPEAKER_00]: But I think that's because of my biological father's heart.
53:02
[SPEAKER_00]: And I believe God blessed him tremendously and it went over and to all of my parents because my father stayed a man with character integrity and he always was a father.
53:15
[SPEAKER_00]: He didn't treat me any differently because of what happened.
53:21
[SPEAKER_00]: He didn't use that as an excuse.
53:22
[SPEAKER_00]: And I think some men, not all men, so no, there's a lot of amazing fathers out there.
53:31
[SPEAKER_00]: But I have, I can count on my hair right now, five young ladies who are all good friends of mine, who are always complaining about their child's father, not stepping up.
53:41
[SPEAKER_00]: I don't know the full situation.
53:43
[SPEAKER_00]: I always just pray about it.
53:45
[SPEAKER_00]: I don't speak ill of the father.
53:46
[SPEAKER_00]: I don't speak ill of the mother.
53:48
[SPEAKER_00]: I just pray on it.
53:49
[SPEAKER_00]: But I see two kids in my life.
53:53
[SPEAKER_00]: And I think the most thing that touched my heart was just a few weeks ago, right before New Year's of 2026, New Year's Eve in 2025.
54:08
[SPEAKER_00]: They sent me a long message that had me in tears.
54:17
[SPEAKER_00]: And that's what I want my name to be known for.
54:19
[SPEAKER_00]: I'm a choreo, I'm growing, I'm evolving.
54:27
[SPEAKER_00]: And I just believe that men, we are the foundation and we are the harder our homes.
54:33
[SPEAKER_00]: And it's not just been in the top 10% of
54:39
[SPEAKER_00]: The income, wealthy people, I want my family to be in a top 10%.
54:48
[SPEAKER_00]: I want my children to be in a top 10%.
54:58
[SPEAKER_00]: It's not a show for another day.
55:00
[SPEAKER_00]: I'll see you on the next one.
55:01
[SPEAKER_00]: Peace out.