Latest / The Table with Anthony ONeal / WARNING: 4 Money Mistakes Keeping You Broke (I See This Daily)

Transcript

WARNING: 4 Money Mistakes Keeping You Broke (I See This Daily) · The Table with Anthony ONeal

0:00
[SPEAKER_00]: Y'all I'm starting up the show.
0:01
[SPEAKER_00]: I went and shaped my juice up and just put it all over the thing, but I'm still gonna shoot this show.
0:07
[SPEAKER_00]: At least a camera on right there will grab me a time, and I was like, as I start to show, please.
0:13
[SPEAKER_00]: This is me.
0:13
[SPEAKER_00]: Some of y'all have followed my advice.
0:15
[SPEAKER_00]: You've created the budget.
0:17
[SPEAKER_00]: You've made the cuts right, but despite your effort, progress feels out of reach.
0:24
[SPEAKER_00]: And why is that?
0:25
[SPEAKER_00]: Well, today,
0:28
[SPEAKER_00]: I'm going to expose, I believe, the four hidden traps that are quietly stealing your financial future.
0:35
[SPEAKER_00]: And trap number three, I'm telling you right now, this one is going to shock a lot of you all.
0:40
[SPEAKER_00]: After helping over fifty thousand people come on, bro.
0:43
[SPEAKER_00]: Thank you, man.
0:44
[SPEAKER_00]: After literally helping over
0:48
[SPEAKER_00]: fifty thousand people literally I mean it's fifty thousand people eliminate more than millions of dollars in debt I've seen some of the same patterns some of the same patterns right destroy lives over and over again and here's the thing while you're watching this video right now compound interest is either making you wealthier or keeping you poor
1:18
[SPEAKER_00]: There is no middle ground.
1:19
[SPEAKER_00]: And seventy three percent, I think, seventy three percent of Americans are on the wrong side without even knowing it.
1:27
[SPEAKER_00]: I want to be real with you on today's show.
1:30
[SPEAKER_00]: These aren't just financial mistakes.
1:33
[SPEAKER_00]: Be straight up with you.
1:35
[SPEAKER_00]: These are wealth killers that will cost the average person over eight hundred thousand dollars by the time they are ready to retire from having to work every single day.
1:51
[SPEAKER_00]: But here's the good news.
1:53
[SPEAKER_00]: Once you see some of these shops I'm going to identify on layout today, you can never unsee them.
1:58
[SPEAKER_00]: And that's when everything changes.
2:01
[SPEAKER_00]: I want to get into it.
2:03
[SPEAKER_00]: Before we get into it, I mean, just do me a quick favor.
2:05
[SPEAKER_00]: Hit that subscribe button, please hit that thumbs up button.
2:08
[SPEAKER_00]: And thank you all for being a part of this amazing community called the A-Three Community.
2:13
[SPEAKER_00]: Let's be honest, most people are stressed and stuck in the paycheck to paycheck cycle because they were never taught of money actually works.
2:23
[SPEAKER_00]: That is exactly why I built this channel.
2:26
[SPEAKER_00]: Every week, my team and I are breaking down how to master your money, how to get out of debt, save, invest, and build wealth without borrowing a dime.
2:36
[SPEAKER_00]: No fluff, no hype.
2:37
[SPEAKER_00]: Just real money content actually helps you win.
2:41
[SPEAKER_00]: financially.
2:42
[SPEAKER_00]: You see, because money impacts every aspect of our lives, our peace, our relationships, and even our future.
2:48
[SPEAKER_00]: If you don't take control of it, it will look control you.
2:51
[SPEAKER_00]: And if you're tired of just surviving and you're ready to build wealth guys way, you're in the right place.
2:56
[SPEAKER_00]: Over nine hundred thousand people have already subscribed to our YouTube channel with over millions of downloads and our applicants, Spotify, podcasts.
3:04
[SPEAKER_00]: Now, when we hit a million on YouTube, we're giving way, thirty thousand dollars to help you get out of debt in the start building legacy.
3:10
[SPEAKER_00]: So listen, don't just watch.
3:12
[SPEAKER_00]: Hit that subscribe, family.
3:13
[SPEAKER_00]: Join this community.
3:15
[SPEAKER_00]: Let's build real wealth.
3:17
[SPEAKER_00]: Let's build real financial freedom together.
3:20
[SPEAKER_00]: It's your boy.
3:21
[SPEAKER_00]: Hit that subscribe.
3:23
[SPEAKER_00]: Let's get back to the show.
3:25
[SPEAKER_00]: Here's shot number one.
3:26
[SPEAKER_00]: There's tomorrow syndrome.
3:29
[SPEAKER_00]: Your, I call this your procrastination prison.
3:32
[SPEAKER_00]: All right.
3:35
[SPEAKER_00]: Let's move on.
3:37
[SPEAKER_00]: According to bank rate, fifty-five percent of Americans delay critical financial tasks every single month.
3:45
[SPEAKER_00]: That's just, that's not just procrastination.
3:48
[SPEAKER_00]: That's financial suicide.
3:51
[SPEAKER_00]: Because tomorrow is a thief.
3:55
[SPEAKER_00]: It's still your time.
3:55
[SPEAKER_00]: It's going to steal your goals and it's definitely going to steal from the future.
3:59
[SPEAKER_00]: While you're saying, I'll start next week.
4:02
[SPEAKER_00]: Compound interest is working against you every single day.
4:07
[SPEAKER_00]: Here's what this is really costing you.
4:10
[SPEAKER_00]: If you delay investing, just two hundred dollars a month for five years.
4:17
[SPEAKER_00]: All right, so two hundred dollars a month.
4:21
[SPEAKER_00]: Times twelve, times that by five years, you're gonna lose out on a hundred and eighty thousand dollars inside of your wealth building portfolio.
4:31
[SPEAKER_00]: Yeah.
4:33
[SPEAKER_00]: Leave the numbers up on the screen wherever they are.
4:35
[SPEAKER_00]: They hear here on the where he's putting it.
4:37
[SPEAKER_00]: Let me see that again.
4:40
[SPEAKER_00]: If you just say, you know what, I'm cool.
4:42
[SPEAKER_00]: I'm chillin'.
4:43
[SPEAKER_00]: I'm gonna go out and enjoy it.
4:44
[SPEAKER_00]: I'm gonna spend two hundred dollars on the bag.
4:46
[SPEAKER_00]: I'm gonna spend two hundred dollars on food.
4:48
[SPEAKER_00]: I'm gonna spend two hundred dollars on eating out.
4:51
[SPEAKER_00]: You're missing out on a hundred and eighty thousand dollars.
4:57
[SPEAKER_00]: What's the problem?
4:58
[SPEAKER_00]: You keep pushing it off.
5:01
[SPEAKER_00]: How do I do it tomorrow?
5:03
[SPEAKER_00]: I deserve this.
5:04
[SPEAKER_00]: I'm gonna enjoy this.
5:05
[SPEAKER_00]: We just got back from summer vacation.
5:09
[SPEAKER_00]: You know, I'm gonna start next month.
5:11
[SPEAKER_00]: I'm gonna start next week.
5:12
[SPEAKER_00]: Meanwhile, watch this.
5:14
[SPEAKER_00]: Your debt is compounding at twenty three percent interest.
5:18
[SPEAKER_00]: Yeah, your credit card that I told you to cut up years ago.
5:22
[SPEAKER_00]: So you're not making any money, but you're paying out crazy stupid amount of interest.
5:28
[SPEAKER_00]: Your anxiety is growing and you're missing out on opportunities that could change your family's legacy forever.
5:37
[SPEAKER_00]: But the solution, it can start today.
5:40
[SPEAKER_00]: with daily micro actions.
5:44
[SPEAKER_00]: When I say this, when I say daily micro actions, I'm talking about number one, use a desk no ball method, where you attack your smallest bill first and build unstoppable momentum to your largest bill to eventually become debt free one day.
6:01
[SPEAKER_00]: You can automate your investment portfolio.
6:05
[SPEAKER_00]: If you don't see it nine times out of ten, we don't spend it.
6:09
[SPEAKER_00]: I don't look, I make investments, I build and I grow into it, but I'm not, I don't look at it every single day.
6:17
[SPEAKER_00]: You can build your emergency fund, the very first one with one month of your net pay and how you're savings, like so far, we'll put that up on the screens.
6:25
[SPEAKER_00]: You see, as a matter of fact, some kind of way, I don't know how you could do this, but let's figure out how can we put up
6:33
[SPEAKER_00]: So file on the screen and move more on the screen.
6:35
[SPEAKER_00]: I don't know how we could do this.
6:37
[SPEAKER_00]: But when it comes to automatically investing, I use an app called Moo Moo.
6:42
[SPEAKER_00]: They're going to give you anywhere between five to up to twenty free stocks.
6:45
[SPEAKER_00]: If you open up an account and you put at least a hundred dollars in there, the more you invest into the account, the more free stocks you're going to get.
6:52
[SPEAKER_00]: And once you put it in there, you set it and you forget it.
6:55
[SPEAKER_00]: So five is going to give you a four percent interest rate on your money.
7:01
[SPEAKER_00]: And it would give you three hundred dollars just to open up an account.
7:06
[SPEAKER_00]: Family listen, the best time to plant a tree was twenty years ago.
7:13
[SPEAKER_00]: But the second best time to plant a tree is today is right now.
7:20
[SPEAKER_00]: I don't want this to spill on me again.
7:30
[SPEAKER_00]: I know some of you all were listening.
7:31
[SPEAKER_00]: What are you doing?
7:32
[SPEAKER_00]: I'm drinking my green juice.
7:35
[SPEAKER_00]: I'm drinking apple cucumber, celery, lemon, spinach, ginger, kale, and parsley.
7:41
[SPEAKER_00]: I drink this every single day because I have a problem with eating.
7:46
[SPEAKER_00]: my veggies.
7:48
[SPEAKER_00]: I'm gonna get better at it.
7:49
[SPEAKER_00]: But I've been really doing this.
7:51
[SPEAKER_00]: I drink celery straight celery in the morning that I drink this mid day and we shoot our shows mid day.
7:57
[SPEAKER_00]: So y'all gonna be seeing me drink more green juice throughout at the time.
8:01
[SPEAKER_00]: I ain't gonna tell you the name of the company cause they ain't paying me.
8:03
[SPEAKER_00]: Let's get the trap number two.
8:06
[SPEAKER_00]: Credit complacency.
8:08
[SPEAKER_00]: All right.
8:09
[SPEAKER_00]: Your financial reputation is everything.
8:13
[SPEAKER_00]: Listen, your credit isn't just for them.
8:17
[SPEAKER_00]: It's your financial reputation and bad credit.
8:21
[SPEAKER_00]: That's a financial prison with invisible bars.
8:27
[SPEAKER_00]: Here's what most people don't understand.
8:31
[SPEAKER_00]: A single five hundred dollar credit error left on a dress will cost you about forty seven thousand dollars in extra interest over your lifetime.
8:45
[SPEAKER_00]: So one more time.
8:47
[SPEAKER_00]: a single five hundred dollar credit error.
8:51
[SPEAKER_00]: Left, on a dressed, not fixed, will cost you about forty seven thousand dollars an extra interest over lifetime.
8:58
[SPEAKER_00]: I've seen it happen to many of my clients and friends and the people who are mentor within our E three community over and over and over again.
9:07
[SPEAKER_00]: What's the problem?
9:09
[SPEAKER_00]: Too many people avoid checking their credit.
9:12
[SPEAKER_00]: or assume it only matters when they're trying to buy a house or some of y'all still buying cars on credit.
9:19
[SPEAKER_00]: Meanwhile, small errors and unpaid balances are quietly, quietly wrecking your financial future.
9:27
[SPEAKER_00]: It's quietly wrecking your insurance payments.
9:31
[SPEAKER_00]: It's your job potential.
9:34
[SPEAKER_00]: As a matter of fact, one of my clients, one of our E-three members.
9:39
[SPEAKER_00]: has a question.
9:41
[SPEAKER_00]: Let me pull up that question.
9:44
[SPEAKER_00]: So we all can hear it, and I can address it.
9:47
[SPEAKER_01]: Yes, my name is Kelly, I'm from Ohio.
9:49
[SPEAKER_01]: I'm wondering, we were talking about your credit.
9:52
[SPEAKER_01]: Do you recommend the credit, or yes, consolidation, or to use like your calculator would that be a better option as opposed to doing the debt consolidation?
10:05
[SPEAKER_01]: Thank you so much.
10:07
[SPEAKER_00]: Kelly, no.
10:09
[SPEAKER_00]: I am, I'm not a huge fan of paying someone else to consolidate your debt.
10:16
[SPEAKER_00]: Now I'm not saying it's completely wrong, but why would you pay someone to do that?
10:23
[SPEAKER_00]: when you could do it yourself.
10:24
[SPEAKER_00]: But this is exactly why I partnered with Dovely AI.
10:29
[SPEAKER_00]: This is a free tool that can help you build your credit from scratch.
10:33
[SPEAKER_00]: They can help you fix your credit, sound like you need some fix and Kelly.
10:37
[SPEAKER_00]: It's not like a lot of what needs some fixing.
10:39
[SPEAKER_00]: They can help you monitor
10:41
[SPEAKER_00]: and they're going to help you protect your credit with one hundred percent ease.
10:45
[SPEAKER_00]: I use them personally and I love it.
10:48
[SPEAKER_00]: I actually have, I'm going to website now.
10:50
[SPEAKER_00]: I actually have the free version and this month, I'm obviously thinking about updating to the nineteen ninety nine premium version because the free members see an average of thirty four points increase when it comes to their credit score.
11:03
[SPEAKER_00]: I think that is amazing.
11:06
[SPEAKER_00]: I see my score going up.
11:07
[SPEAKER_00]: I really do.
11:09
[SPEAKER_00]: But some of my friends are already using the premium membership, and they're staying on average, not day, but between all of them who have done it, I'm seeing what average about an attitude point and crease with two times the success rate of the free version.
11:25
[SPEAKER_00]: Now, don't get it twisted.
11:26
[SPEAKER_00]: Dirty for a point.
11:29
[SPEAKER_00]: For free is amazing.
11:32
[SPEAKER_00]: For free.
11:34
[SPEAKER_00]: Says one more time.
11:36
[SPEAKER_00]: For free.
11:38
[SPEAKER_00]: And so paying twenty dollars a month to get two times.
11:43
[SPEAKER_00]: Yeah, I'm probably going ahead and sign up for that premium version.
11:50
[SPEAKER_00]: Another thing when I was doing this Kelly and researching because this is, how can we partner with the AI to help credit?
12:02
[SPEAKER_00]: Now you guys know me, I don't endorse debt.
12:05
[SPEAKER_00]: But I do believe having a good credit score will help us.
12:10
[SPEAKER_00]: We did a poll and about forty eight percent of my audience credit scores are below a six twenty.
12:23
[SPEAKER_00]: About another twenty I think it was like twenty nine percent of you all are below a seven hundred you're in between the six twenty and seven hundred.
12:31
[SPEAKER_00]: Right.
12:32
[SPEAKER_00]: Ninety-six percent, a Dovely's AI's members, which scores under five, fifty, under six, hundred, see a dramatic improvement.
12:45
[SPEAKER_00]: And for me, don't get a twist.
12:48
[SPEAKER_00]: Let's remember this.
12:49
[SPEAKER_00]: This is why I'm grateful of this partnership and of Dovely.
12:54
[SPEAKER_00]: And this is why they are part of my brand now.
12:59
[SPEAKER_00]: And they're sponsoring today's video.
13:00
[SPEAKER_00]: Thank you all so much.
13:05
[SPEAKER_00]: Remember our goal is to eradicate a billion dollars in debt by the year, twenty-fifty.
13:12
[SPEAKER_00]: And build a half billion dollars in wealth by twenty-fifty within this community.
13:21
[SPEAKER_00]: That means we're going to need to help millions of African Americans, millions of people.
13:27
[SPEAKER_00]: Save money somewhere.
13:29
[SPEAKER_00]: Stop paying on interest and receive interest.
13:32
[SPEAKER_00]: And our credit score can help us tremendously by making sure we're not overpaying insurance payments to make sure we're not paying the highest interest rate when it comes to getting a mortgage.
13:47
[SPEAKER_00]: Make sure that we can land a good job that can give us better income.
13:53
[SPEAKER_00]: And what I love about Dovely is that they have a similar success rate that they've helped over a million people raise their scores by more than fifteen million points.
14:09
[SPEAKER_00]: This is why, and this is so important to make sure that you will.
14:21
[SPEAKER_00]: are looking into this and signing up for free.
14:23
[SPEAKER_00]: Do not allow.
14:24
[SPEAKER_00]: I don't care, we got a seven hundred.
14:27
[SPEAKER_00]: If get the free version, so you can be at a seven, thirty.
14:31
[SPEAKER_00]: Because a score above seven, twenty, push you in a different bracket from a score at a seven, ten.
14:37
[SPEAKER_00]: When it comes to getting a good home mortgage.
14:41
[SPEAKER_00]: So the solution is go to Anthony ono.com for us as dobbly.
14:45
[SPEAKER_00]: We're going to put it up on the screen and put it inside of the inside of today's show knows.
14:49
[SPEAKER_00]: And together, you and dobbly do a deep dive into your credit profile today.
14:55
[SPEAKER_00]: I need you to stop avoiding it.
14:57
[SPEAKER_00]: I know some of you don't even want to look at your credit board.
14:59
[SPEAKER_00]: Could you got this on there?
15:00
[SPEAKER_00]: You got that on there.
15:01
[SPEAKER_00]: And sometimes we feel that there's no hope.
15:03
[SPEAKER_00]: But with AI today, there is hope.
15:06
[SPEAKER_00]: There are legit, legal ways to get things to spew it and off of your credit report.
15:13
[SPEAKER_00]: The jet.
15:16
[SPEAKER_00]: And I promise you, if you do this for free, try it for a thirty day, thirty days.
15:24
[SPEAKER_00]: I promise you your future self is going to say thank you.
15:40
[SPEAKER_00]: You see with rising rent, inflation, and high interest rates, your credit score matters more than ever.
15:46
[SPEAKER_00]: Whether you are trying to buy a home or just qualify for an apartment, it all starts, honestly, having good credit.
15:55
[SPEAKER_00]: You see, this is where my friends and dogly AI comes in.
15:58
[SPEAKER_00]: Watch this.
15:59
[SPEAKER_00]: It's a one hundred percent free app that helps you build, fix, monitor, and even protect your credit.
16:04
[SPEAKER_00]: With no confusion and no stress, just smart,
16:07
[SPEAKER_00]: AI power support that works from a hundred percent consumer debt rate.
16:12
[SPEAKER_00]: EWI helps you build credit fast, helps you fix errors quickly, and stay protected with weekly updates, real time alerts, and here's the best part about it, a one million dollar ID theft insurance policy.
16:26
[SPEAKER_00]: Here's what I'm about, Doc.
16:27
[SPEAKER_00]: On average, users are saying about thirty four points.
16:30
[SPEAKER_00]: Go up when it comes to your credit report.
16:32
[SPEAKER_00]: No credit card required.
16:33
[SPEAKER_00]: And premium members average in eighty two point boost on their credit score.
16:38
[SPEAKER_00]: The better your score, the more you say.
16:41
[SPEAKER_00]: And the more you get approved.
16:43
[SPEAKER_00]: Listen, I need you to go check out my friends over at an AnthonyOno.com for slash, softly, again, that is AnthonyOno.com D-O-V-L-I.
16:54
[SPEAKER_00]: If you're tired of hearing no, because it'd be credit scores, it's time to take control with my friends.
16:59
[SPEAKER_00]: We'll check them out right now, and let's get back to today's show.
17:03
[SPEAKER_00]: Here's chapter number three.
17:05
[SPEAKER_00]: Emotional spending.
17:07
[SPEAKER_00]: Money is not therapy.
17:10
[SPEAKER_00]: Let me start right there.
17:13
[SPEAKER_00]: And this is why some of us ask in each job of the AI because we've allowed our emotional spending on credit cards to track up Jacob or credit score rather than being mature about how we're spending.
17:28
[SPEAKER_00]: Listen, this one is going to hurt you, but the average American spins over six hundred dollars a month on impulse purchases.
17:37
[SPEAKER_00]: That's over seven thousand dollars a year.
17:39
[SPEAKER_00]: Wasted, gone, thrown away.
17:43
[SPEAKER_00]: But then yet, we don't want to spend five minutes of sign-up for Dowley for free to improve our credit score, but we'll spend six hundred dollars on crap that we really don't need.
17:57
[SPEAKER_00]: That's not even what really gets me fired up.
18:00
[SPEAKER_00]: This is what really gets me fired up.
18:03
[SPEAKER_00]: You're spending to soon stress, boredom, and compares it.
18:10
[SPEAKER_00]: Scrolling Amazon scrolling on door dash, like you're thinking, like Amazon and door dash is your therapist.
18:20
[SPEAKER_00]: Let me show you something that will change your perspective for error.
18:26
[SPEAKER_00]: I want to ask Ed to pull up, go to the website and pull up our wealth calculator.
18:34
[SPEAKER_00]: Let's say you are at the age of thirty years old.
18:38
[SPEAKER_00]: What age do you want to retire?
18:39
[SPEAKER_00]: We're going to type in a fitting.
18:42
[SPEAKER_00]: Let's say for an example, how much do you have in investments?
18:44
[SPEAKER_00]: Let's say you have zero just for today so you can see the math.
18:48
[SPEAKER_00]: What do you think your annual rate of a term will be?
18:50
[SPEAKER_00]: Well, I'm going to go with ten percent for the annual rate of a term because you see right below us is this is the return.
18:57
[SPEAKER_00]: Your investment will generate over time.
18:59
[SPEAKER_00]: Historically, the thirty-year return of the S&P five hundred has been roughly ten into a percent.
19:05
[SPEAKER_00]: So we're going to go on the low end of ten percent.
19:10
[SPEAKER_00]: Now let's just say for an example, you can invest seven thousand dollars a year.
19:14
[SPEAKER_00]: Divide that into twelve gives us five hundred and eighty five dollars.
19:20
[SPEAKER_00]: Let's just say for a year you can invest five hundred eighty five dollars with a ten percent return annually for the next twenty years Once you click enter you will see that you will make four hundred and forty four thousand two hundred thirty dollars and seventy seven cents But here's the key thing your contribution is what you put in
19:39
[SPEAKER_00]: You put in a hundred and forty thousand dollars.
19:42
[SPEAKER_00]: The free money you got, the growth is three hundred and three thousand dollars.
19:50
[SPEAKER_00]: If you do not invest, five hundred and eighty five dollars a month, you're missing out over the next twenty years, three hundred thousand dollars.
20:05
[SPEAKER_00]: Let that sit on the screen, just for a loop.
20:07
[SPEAKER_00]: I want to see the math here.
20:11
[SPEAKER_00]: You're missing out on that.
20:13
[SPEAKER_00]: Now let's just say, Anthony, I can invest more.
20:16
[SPEAKER_00]: Man, you can get into the millions.
20:20
[SPEAKER_00]: You can get into the millions.
20:22
[SPEAKER_00]: But this is the thing.
20:25
[SPEAKER_00]: Most people have a closet full of stuff that they do not need, bought with money, that they do not have to impress people.
20:34
[SPEAKER_00]: They do not even like.
20:35
[SPEAKER_00]: That's going to miss out on three hundred thousand dollars.
20:41
[SPEAKER_00]: So what is this solution, Anthony?
20:43
[SPEAKER_00]: I hear you.
20:43
[SPEAKER_00]: I'm convicted.
20:44
[SPEAKER_00]: I want to change.
20:45
[SPEAKER_00]: Here's the very first thing.
20:46
[SPEAKER_00]: And identify your emotional triggers.
20:50
[SPEAKER_00]: What makes you spend?
20:55
[SPEAKER_00]: Let's talk about it.
20:56
[SPEAKER_00]: What makes you spend?
20:58
[SPEAKER_00]: Does a breakup make you spend money?
21:02
[SPEAKER_00]: If I'm being honest and vulnerable, yes.
21:06
[SPEAKER_00]: Which is why I date a little differently, because I know once I get attached, I do get distracted.
21:16
[SPEAKER_00]: What is the thing that makes you want to spend money?
21:19
[SPEAKER_00]: All of us got it.
21:20
[SPEAKER_00]: Don't see here.
21:20
[SPEAKER_00]: I'm like, well, I'm nuts.
21:22
[SPEAKER_00]: Man, no, I'm a GM.
21:24
[SPEAKER_00]: I'm a gangster.
21:25
[SPEAKER_00]: I'm strong.
21:26
[SPEAKER_00]: Man, no.
21:27
[SPEAKER_00]: No, you ain't that strong.
21:28
[SPEAKER_00]: We all have weaknesses.
21:29
[SPEAKER_00]: We all have things that triggers us.
21:33
[SPEAKER_00]: Identify that, write it down, be aware of it.
21:38
[SPEAKER_00]: The next thing that I do is I use it for eight-hour rule.
21:41
[SPEAKER_00]: I pause on any essential purchases above five hundred dollars for myself.
21:46
[SPEAKER_00]: For you, I would say anything above fifty to one hundred dollars.
21:50
[SPEAKER_00]: You need to sit down and think about it for twenty-four to four-eight hours.
21:56
[SPEAKER_00]: Anything above five hundred dollars, I sit on it for four-eight hours.
22:00
[SPEAKER_00]: Do I need this?
22:01
[SPEAKER_00]: Okay.
22:03
[SPEAKER_00]: I remember not bought my car.
22:04
[SPEAKER_00]: I said on it for like a week.
22:06
[SPEAKER_00]: I was like, eh, let me just make sure.
22:07
[SPEAKER_00]: Let me just make sure I'm buying this for the right reasons.
22:09
[SPEAKER_00]: Let me make sure let me ask myself the real questions and my mind is to impress people or do I really like that car?
22:15
[SPEAKER_00]: Do I really want that car?
22:18
[SPEAKER_00]: And I knew I really liked it, but I want to make sure that that is what I want it not what they want it for me.
22:28
[SPEAKER_00]: Another thing is you gotta track your spending with intention, not emotions.
22:34
[SPEAKER_00]: This is why I recommend in our world builder tool.
22:41
[SPEAKER_00]: Here's the next thing, right?
22:43
[SPEAKER_00]: When it comes to, I don't say this.
22:46
[SPEAKER_00]: Emotional spending.
22:54
[SPEAKER_00]: Wow, you are with AAI and you're getting your credit fix.
22:59
[SPEAKER_00]: Stop.
23:03
[SPEAKER_00]: Stop.
23:05
[SPEAKER_00]: Stop.
23:07
[SPEAKER_00]: Ask yourself, will this purchase matter within the next five years or will financial freedom matter in the next five years?
23:15
[SPEAKER_00]: Do I want to purchase a house within the next five years?
23:17
[SPEAKER_00]: Well, if so, I need to sign up for AAI.
23:20
[SPEAKER_00]: Get my mind focused on getting my credit in a good situation, putting some money in the savings account and investment account, so I can make the right decisions not make emotional decisions.
23:32
[SPEAKER_00]: Because every dollar you spend emotionally is a dollar stolen from your future.
23:38
[SPEAKER_00]: And every dollar you spend emotionally is taking away from the opportunity of the honestly building something strong when it comes to your credit.
23:50
[SPEAKER_00]: Here's a chat number four.
23:52
[SPEAKER_00]: You know what kind of ability?
23:55
[SPEAKER_00]: You're fighting the battle alone.
24:00
[SPEAKER_00]: Some of you have no coach.
24:02
[SPEAKER_00]: Some of you have no chicken.
24:03
[SPEAKER_00]: Some of you have no plan.
24:05
[SPEAKER_00]: Some of you watch my video every now and then.
24:08
[SPEAKER_00]: You just have vibes and hope.
24:12
[SPEAKER_00]: But no strategy.
24:15
[SPEAKER_00]: To be honest with you, that is completely dangerous.
24:20
[SPEAKER_00]: You see, without accountability, without staying locked in with someone like myself, it's easy to cyber.
24:29
[SPEAKER_00]: You need someone watching your blind spot, watching your six in the ways that my friend Dave Ramsey would say it, and challenge you to stay focused on what matters.
24:41
[SPEAKER_00]: I've seen too many people start strong and quit when it gets hard.
24:47
[SPEAKER_00]: They start their debt free journey and oh my gosh, man.
24:51
[SPEAKER_00]: I can't do this.
24:51
[SPEAKER_00]: I can't do that.
24:52
[SPEAKER_00]: Oh my gosh.
24:53
[SPEAKER_00]: Oh my gosh.
24:56
[SPEAKER_00]: And I've seen him.
24:57
[SPEAKER_00]: I've seen him and they stop because it's hard.
25:01
[SPEAKER_00]: But they didn't want to trust me to be their accountability partner.
25:06
[SPEAKER_00]: So what happened?
25:08
[SPEAKER_00]: They failed.
25:09
[SPEAKER_00]: One of the main reasons why I hired my coach, Coach B, who watches my shows, because I knew if I don't pay a coach, if I don't sign up for a coach, if I don't commit to him, if I don't pay softly.
25:25
[SPEAKER_00]: I'm going to fail.
25:28
[SPEAKER_00]: And today, you know, look, I don't have a stomach.
25:33
[SPEAKER_00]: My arms are y'all see that?
25:37
[SPEAKER_00]: I see change because of my coach.
25:42
[SPEAKER_00]: You can't do it alone.
25:45
[SPEAKER_00]: I go to spiritual side of him.
25:47
[SPEAKER_00]: We got to get a body here.
25:47
[SPEAKER_00]: I got three minutes.
25:48
[SPEAKER_00]: He got here in thirty minutes.
25:50
[SPEAKER_00]: The enemy wants you alone because he knows he can slide in there like a snake.
25:54
[SPEAKER_00]: Come on, Genesis.
25:56
[SPEAKER_00]: And say, well, why not?
25:57
[SPEAKER_00]: It's just a drink, why not?
25:58
[SPEAKER_00]: It's just a purse, why not?
26:01
[SPEAKER_00]: It's just this, why not?
26:02
[SPEAKER_00]: It's just, it's not gonna rhyme from your future.
26:04
[SPEAKER_00]: Then the next thing you, next thing you know, you're waking up a year from now and you got all, you have all of these.
26:10
[SPEAKER_00]: It was just this and you have a horrible credit score and nobody.
26:18
[SPEAKER_00]: What's the solution?
26:19
[SPEAKER_00]: Find a financial accountability partner.
26:22
[SPEAKER_00]: Someone who you trust to call you up.
26:25
[SPEAKER_00]: Here's soon with the next six to twelve months, man.
26:27
[SPEAKER_00]: We're going to be launching something's going to be here.
26:31
[SPEAKER_00]: Stay locked in.
26:33
[SPEAKER_00]: Next, subscribe to my YouTube channel, and join the EAT-Three community where we're limited to billion dollars in debt in building five million dollars and assets by twenty-fifty.
26:45
[SPEAKER_00]: Next, sign up for Dovely today.
26:49
[SPEAKER_00]: I need you saving money on your insurance policy plans.
26:53
[SPEAKER_00]: I need you saving money on refinancing your home on your next investment home or your next home.
26:58
[SPEAKER_00]: I need us saving all the money we possibly can so we can put that towards debt so we can put that towards assets.
27:06
[SPEAKER_00]: So again, I'm begging you, free.
27:09
[SPEAKER_00]: It's free.
27:11
[SPEAKER_00]: Cut off the emotional spending and listen to your accountability big brother.
27:17
[SPEAKER_00]: and sign up for Dobly by going to anthinnernew.com for us as Dobly and get them activated to get your credit score higher.
27:30
[SPEAKER_00]: I want to challenge somebody.
27:31
[SPEAKER_00]: I want to see how many of you all would do this.
27:38
[SPEAKER_00]: And I'm not going to be able to read every single one I'm going to tell you right now, but I'm going to have my team reading it.
27:43
[SPEAKER_00]: If you made it this far, you're serious.
27:45
[SPEAKER_00]: I want you to email me, hey Ed, Michelle, let's figure out a way to put this up on the screen.
27:50
[SPEAKER_00]: Email me, Anthony at AnthonyONio.com, your goals.
27:59
[SPEAKER_00]: Put it inside and what we're gonna do is I'ma figure out a way to highlight some of the goals on the show.
28:07
[SPEAKER_00]: If you have any questions about these goals, hey, put up, put them inside that email and I might have my team and I want to go through them and maybe we'll bring them up throughout and every now and then I'm going to be checking in on some of our goals.
28:19
[SPEAKER_00]: Put inside of the subject line, subject goals.
28:25
[SPEAKER_00]: Right?
28:27
[SPEAKER_00]: And then email me your goals.
28:28
[SPEAKER_00]: I'm gonna put all that into a folder.
28:30
[SPEAKER_00]: And I commit this to you.
28:31
[SPEAKER_00]: I will commit to sending out several emails a week, checking in on you and your goals, answering any of the questions that you may have.
28:43
[SPEAKER_00]: And we even talk about some of your goals and share some of our goals.
28:47
[SPEAKER_00]: And here's what we want you to do.
28:50
[SPEAKER_00]: Attach a good picture of yourself.
28:51
[SPEAKER_00]: So that way, when I read your goals, I'm gonna put your picture up on the screen and share it with people.
28:56
[SPEAKER_00]: Hey, this is, I won't share your last name, but this is Rebecca, I'm gonna put your picture up.
29:03
[SPEAKER_00]: And her goal is to do XYZ by this time.
29:06
[SPEAKER_00]: I'm gonna be praying over these.
29:08
[SPEAKER_00]: I'm gonna activate our community to pray over them.
29:10
[SPEAKER_00]: And we're gonna be a community.
29:11
[SPEAKER_00]: We're gonna hold each other accountable.
29:13
[SPEAKER_00]: We're gonna encourage everyone.
29:16
[SPEAKER_00]: So do that.
29:17
[SPEAKER_00]: Email me, Anthony.
29:20
[SPEAKER_00]: at anthonyo.com.
29:21
[SPEAKER_00]: All right.
29:22
[SPEAKER_00]: I need you to set some weekly check-ins with me, your accountability partner, your friend.
29:27
[SPEAKER_00]: Listen, iron sharpens iron.
29:30
[SPEAKER_00]: You cannot sharpen yourself.
29:33
[SPEAKER_00]: You're not stuck.
29:34
[SPEAKER_00]: You're just following some of the wrong systems.
29:38
[SPEAKER_00]: financial freedom isn't just a dream.
29:40
[SPEAKER_00]: It's a decision to be made.
29:42
[SPEAKER_00]: And these four tribes have kept millions of people broke stress and hopeless, but not you, not anymore.
29:49
[SPEAKER_00]: Alright, listen, it's your boy Anthony O'Neill.
29:51
[SPEAKER_00]: Hit that subscribe button and we'll see you in the next show.
29:53
[SPEAKER_00]: Peace out.