The Table with Anthony ONeal

How Much You Should Have Saved for Retirement by 40, 50, 60 & What To Do If You’re Behind

How much should you have saved for retirement by 40, 50 and 60… and what should you do if you’re nowhere close? In this episode, Anthony O’Neal breaks down the retirement savings benchmarks for each age, explains how catch-up contributions can help later starters, and shares the financial order to follow when rebuilding. He also challenges the shame that often comes with feeling behind and reveals why creating margin, eliminating consumer debt and following a clear strategy matter more than panicking over a number. So, whether life brought divorce, caregiving, job loss, or an unexpected setback, this episode will not only help you face your finances honestly but also help you determine your next step and start building toward financial freedom. 📚 Resources Mentioned In This Episode: - 📖 Get my new book, Stop Living Paycheck to Paycheck: https://www.anthonyoneal.com/book - 📈 Compare top investing platforms & start investing today: https://www.anthonyoneal.com/invest - 💰 Find the best high-yield savings accounts (updated weekly): https://www.anthonyoneal.com/savings QUOTES “You don’t have time to waste margin on the wrong priority.” — Anthony O’Neal “Panicking has never once built a dollar of wealth. But clarity and determination [have].” — Anthony O’Neal “Financial freedom is a decision before it is ever a destination.” — Anthony O’Neal ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

Why Pay Raises Disappear in 6 Months (And How to Stop It)

You got a raise — so why does your bank account look the same six months later? 1 in 5 households earning $150,000+ are still living paycheck to paycheck. In this episode, I show you exactly why raises disappear, using a real family's story of an $8,000 raise that vanished without one big mistake — just a hundred small ones. Get my book, Stop Living Paycheck to Paycheck: anthonyoneal.com/book ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

10 Worst States to Live in If You Want to Get Ahead Financially in 2026

Where you live could be hurting your ability to build wealth. In this episode of The Table with Anthony O'Neal, Anthony breaks down CNBC's 2026 rankings of the 10 worst states to live in if you want to get ahead financially. But this isn't just another countdown. He explains why financial freedom is about more than your income and how factors like healthcare, childcare, crime, worker protections, and cost of living can quietly drain your budget and limit your opportunities. This episode will help you evaluate where you live through a wealth-building lens. Anthony also shares practical steps you can take to protect your finances, even if you have no plans to move. Read the Article: https://www.cnbc.com/2026/07/11/worst-states-to-live-in-america-2026.html KEY POINTS 00:00 – Introduction 04:48 – Building wealth is about more than math, your environment matters too 05:57 – The five factors that can quietly cost you thousands each year 06:24 – The 10 worst states to live in financially, ranked from #10 to #1 19:46 – What to do if you already live in one of these states 21:14 – Why a bigger paycheck isn't always a financial upgrade 21:36 – How to build wealth no matter where you live 22:55 – Why the goal isn't more money, it's more freedom QUOTES "Building wealth is math plus environment.” – Anthony O'Neal "A bigger paycheck and a state that costs you more in hidden ways is not a raise. Sometimes it's a pay cut disguised as an opportunity." – Anthony O'Neal "What's the course we're aiming for? You all know it's not more money. It's more freedom. Money plays a role in that. But freedom is the end goal." – Anthony O'Neal ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

77% Couldn't Survive One Late Paycheck. Could You?

77% of households couldn't survive one late paycheck. If that number scares you even a little, this episode is for you. Today on The Table, Anthony O'Neal breaks down why decent, hardworking people making real money still feel trapped paycheck to paycheck, and walks you through the exact 10-minute exercise to find out how many days you could actually survive if your income stopped tomorrow. Timestamps: 0:00 – The question most people won't answer honestly 1:00 – Anthony's story from the collection agency 3:00 – The truth behind the 77% stat 6:30 – Self-diagnosis: are you trapped? 7:30 – Today's move: calculate your real number 8:30 – Where this fits in the 5-phase plan 9:15 – Get the full step-by-step system If this episode helped you see your situation clearly, hit subscribe and join the movement. We're building 1 million strong E3 family members who are done living reactive and ready to live on purpose with their money. Get the full step-by-step plan in Anthony's new book, Stop Living Paycheck to Paycheck: anthonyoneal.com/book ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

I Made $25,000 a Year as a Youth Pastor. Now I Make $100k+ a Month. (Copy ME)

At 19, I was homeless with $35,000 in debt and no one in my family who knew how to build wealth. Today, I'm giving you the exact 6-step plan that changed everything. This isn't about making more money — it's about mastering the system most people never learn. In this episode, I break down the mindset shift, the budgeting method, the debt-elimination strategy, and the investing principles that took me from broke to financially free. If you've ever felt like wealth is "for other people," this episode is for you. ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

How To Pay Off $25,000 in Debt on a $45K Salary In 9 Months (Real Plan)

A Gen Z creator went viral saying she won't take financial advice from anyone born before 1990. Millions of people sent me this video expecting me to go after her. Instead, I'm doing something different. I'm telling you what she got right, what she got wrong, and why 124 trillion dollars is about to change hands between generations, and most people are not ready to catch it. This is not a reaction video. This is a real conversation about debt, about the economy, about whether the "rules" have actually changed or if we've just stopped applying what works. If you've ever felt like you're doing everything right and still falling behind, this episode is for you. Watch until the end. I give you 5 things to do starting today, not next month. Websites Mentioned in This Episode: - https://www.anthonyoneal.com/book — Pre-order Stop Living Paycheck to Paycheck and get over $275 in free bonuses (before August 20th) - https://www.anthonyoneal.com/invest — Compare top investing platforms and open your first account - https://www.anthonyoneal.com/savings — Open a high-yield savings account - https://www.anthonyoneal.com/ethos — Get a term life insurance quote in 10 minutes ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

I Found a Bank Paying 4.1% — Yours Pays 0.38% (Get This Account Today)

Your bank is making money off of you right now — and you don't even know it. While your savings account sits there earning almost nothing, the bank is lending out your money and earning 7, 8, 9 percent. Meanwhile, you're getting paid pennies and told to be grateful. Today I'm breaking down exactly why the average traditional savings account is failing you, what a high-yield savings account actually is, and the five accounts I'd personally recommend right now — with real numbers so you can see exactly what you're missing. This isn't about taking a risk. Your money is still FDIC insured. It's about finally putting your money somewhere it can actually work for you. Family, this is one of the simplest moves you can make this year. It takes five minutes. No advisor. No degree. No excuse. 🔗 GET ACCESS TO THESE HIGH-YIELD SAVINGS ACCOUNTS: https://www.anthonyoneal.com/savings 0:00 - The truth about what your bank is doing with your money 2:00 - What a high-yield savings account actually is (and why it's safe) 6:00 - Real numbers: $38 a year vs $410 a year on the same $10,000 11:00 - The 5 best high-yield savings accounts right now 18:00 - Your step-by-step action plan 21:00 - Final challenge before you go to bed tonight ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

Stop Working Too Hard & Do THIS With Your Next $200 (Guaranteed To Work)

On $55K a year, your first money move isn't a bigger paycheck. It's fixing the leak that's already there. In this episode, Anthony breaks down a sermon he gave at Union Church using the FAITH framework, showing why so many hardworking, faithful people stay broke even while praying, believing, and quoting scripture. If you're living on an average income and tired of your money disappearing before the month ends, this is where you start. Timestamps: 0:00 Intro: The sermon that broke down money through faith 2:15 Haggai 1:5: Why your paycheck goes in with holes already in it 6:40 F: Give God your First (the tithing test on a real budget) 14:20 A: Assign the other 90% (how to tell your money what to do) 22:00 I: Increase your money (margin, saving, and building opportunity funds) 29:30 T: Transformation (why your mindset has to keep evolving) 33:00 H: Heritage (protection, paperwork, and preparation) 40:00 The story of a man who died without a will, and what it cost his family 44:00 Announcing the Freedom Circle community 47:00 5 questions to ask before your next purchase Mentioned in this episode: Budgeting app (In The Black): anthonyoneal.com/app Freedom Circle community waitlist: coming soon, link to be added High yield savings account breakdown (referenced episode): link in pinned comment We're building toward 1 million E3 family members who are done being broke and faithful at the same time. If this episode challenged you, hit subscribe and share it with someone who needs to hear it this week. ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

What to Do With Your Next $200 (Even If You're Behind)

If you are making more money than ever but still feel broke, this video is for you. Anthony breaks down the 7 unspoken money rules that were passed down to you without your permission and shows you exactly how to break them starting with your next $200. Most people are not bad with money. They were just handed a broken code. Today we name it, we claim it, and we change it. IN THIS VIDEO: 00:00 Why income alone will never build wealth 01:45 The Broke Code: What it is and where it came from 02:20 Rule 1: Who you marry is your biggest financial decision 05:10 Rule 2: Lifestyle inflation and why your raise made you broker 12:00 Rule 3: Why emergencies keep wrecking your progress 17:45 Rule 4: Stop taking financial advice from broke people 21:00 Rule 5: Your job is your biggest client, not your only one 25:10 Rule 6: Why quitting when it gets hard is costing you everything 31:50 Rule 7: What you are actually leaving your children 36:00 Your 90-day action plan to break the code YOUR NEXT STEPS: - Start your emergency fund today with a high-yield savings account: https://www.anthonyoneal.com/savings - Get your free budget and financial plan: https://www.anthonyoneal.com/app - Get term life insurance in 10 minutes: https://www.anthonyoneal.com/ethos - Get Anthony's book, Stop Living Paycheck to Paycheck: https://www.anthonyoneal.com/book ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

How $200 a Month Can Build a $200,000 Retirement (Even If You're Starting Late)

Most people hear "$1.46 million" and give up before they even start. That number just went up $200,000 in ONE year — and it's stealing your hope before you even try. But here's the truth: you don't need that number. You need a plan. In this episode, I'm breaking down exactly what to do — no matter your age, your income, or how far behind you feel. Whether you're 25 or 55, this is your retirement roadmap. In this video you'll learn: - Why the $1.46M number is misleading millions of Americans - The real retirement number YOU actually need - A step-by-step action plan by age (25, 35, 45, and 55) - How to start building wealth with as little as $50/month - Why you can NOT count on Social Security or an inheritance - The one mistake that keeps most families broke for generations Your Retirement Roadmap: ✅ Write down your retirement vision — tonight ✅ Track every dollar for 30 days ✅ Set up an automatic transfer — even $10 counts ✅ Open or increase your retirement account ✅ Make one extra debt payment this week ✅ Research HSAs and health care options ✅ Build your plan WITHOUT counting on Social Security Nobody is coming to save you. But you can save yourself — and your family — starting today. ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

She Made $72,000 a Year, Did Everything Right, and Had Nothing to Show For It

She was 28 years old, making $72,000 a year, current on every single bill — and she sat across from me and cried. Not because she was broke. Because she did everything right and had nothing to show for it. No savings. No investments. Just a pile of payments that felt like chains. That moment changed how I talk about money forever. The truth is — most of us are following a blueprint that was never designed to build wealth. It was designed to survive. And the people who handed us that blueprint? They loved us. But love doesn't make a belief true. In today's episode, I'm breaking down the 3 beliefs your family passed down that are quietly destroying your chances at real financial freedom — and exactly what to do instead, no matter how old you are or where you're starting from. In this episode: Why doing everything "right" can still leave you broke The 3 inherited money beliefs that are keeping your family stuck Why debt is a choice, not a fact of life How silence about money is a generational tax on your family The new blueprint — debt freedom, multiple income streams, and financial transparency What I would do at 25, 35, 45, and 55 to start building real wealth today Take action right now: 📗 Pre-order my new book Stop Living Paycheck to Paycheck + get over $275 in free bonuses → anthony.com/book 📊 Upload your debt and get your actual payoff date → anthony.com/app 📈 Compare the top investing platforms and open your first account today → anthony.com/invest timestamps: 00:00 — The woman who did everything right and had nothing 00:00 — The blueprint your parents gave you 00:00 — Belief #1: Debt is a fact of life 00:00 — Belief #2: A good job is the goal 00:00 — Belief #3: Money is not something you talk about 00:00 — The new blueprint: 3 pillars to financial freedom 00:00 — Practical steps to start today Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

I Spent $200,000 Trying to Impress People Who Don't Even Talk to Me Anymore

At 23, I bought a car I couldn't afford to impress people who don't even call me anymore. When I add up the payments, the insurance, the interest, and the opportunity cost of what that money could have become — that one decision cost me close to $200,000. Not in cash. In wealth I never built. And that car was just the beginning. The apartment. The clothes. The trips. The dinners. Every dollar I spent performing wealth was a dollar that never got to actually become wealth. In this video I'm giving you the 5 lessons I wish someone had told me at 25 — because if you're in your 20s, 30s, or even 40s, this information can change the trajectory of your financial life. What we cover: - Why your spending is not a money problem — it's an identity problem - Why making more money will NOT fix your finances (it will amplify the problem) - The real cost of waiting to invest — and the math that will shake you - How the people around you are quietly shaping your financial behavior - The difference between building YOUR wealth vs. funding everyone else's Take action today: - Pre-order my NEW book Stop Living Paycheck to Paycheck and get over $275 in free bonuses — but you must act before August 2: 👉 https://www.anthonyoneal.com/book - Compare the top investing platforms and open your first investment account today — start with as little as $1: 👉 https://www.anthonyoneal.com/invest If this video helped you, do one thing: Share it with someone in their 20s or 30s who needs to hear this before they make the same mistakes I made. The cycle of financial struggle in our families does not break by accident. It breaks because someone decided to pass the information on. That someone is you. Connect with Anthony: 📱 Instagram: @AnthonyONeal 🎙️ Podcast: The Table with AO 📺 Subscribe for new videos every week #PersonalFinance #MoneyMistakes #WealthBuilding #AnthonyONeal #StopLivingPaycheckToPaycheck #FinancialFreedom #BlackWealth #Investing A few notes on why this description is built this way: The opening 3 lines mirror the emotional hook of the title — YouTube shows those first lines in search results, so they need to pull people in The bullet breakdown feeds YouTube's algorithm with keyword-rich content without feeling robotic The CTAs are sequenced — book first (time-sensitive), invest second (evergreen) The closing paragraph is designed to trigger shares, which signals watch time quality to the algorithm The hashtags are intentional — broad enough to surface in search, specific enough to reach his core audience Claude 4.6 Sonnet just now ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

If I Woke Up at 40 With Nothing — This Is the First Thing I Would Do

Are you 40, feeling behind, and wondering if it's too late to start over financially? It's not. Here's exactly what I would do — step by step. In this video, I'm breaking down the real plan I would follow if I was 40 years old starting from zero in 2026. No theory. No fluff. Just a honest, step-by-step system built for the person who feels like life got ahead of them — but refuses to stay there. Here's what we cover: ✅ Why the math is NOT against you at 40 ✅ Step 1 — Stop the financial bleeding (write it ALL down) ✅ Step 2 — Build your $2,500 emergency buffer FAST ✅ Step 3 — Attack every single debt with everything you have ✅ Step 4 — Build your full 3–6 month emergency fund ✅ Step 5 — Invest 15% like your future depends on it (because it does) ✅ Why starting at 40 is actually an advantage ✅ The story of Denise — 43 years old, $47K in debt, two kids, and what happened 14 months later ✅ What your kids are really watching when you stay idle ✅ How to break a generational cycle — starting this week This is not about getting rich. This is about getting FREE. 📲 RESOURCES MENTIONED IN THIS VIDEO: - Pre-Order My NEW Book — Stop Living Paycheck to Paycheck Get over $275 in FREE bonuses (act before August 25th) 👉 https://www.anthonyoneal.com/book - Compare the Top Investing Platforms & Open Your First Account SoFi Invest, Public, Moomoo & more — start with as little as $1 👉 https://www.anthonyoneal.com/invest 💰 Open a High Yield Savings Account Stop letting your money sit in a lazy account earning pennies 👉 https://www.anthonyoneal.com/savings 📱 Download the "In the Black" App Talk to the AI financial coach, input all your debt, and get your full picture in minutes 👉 https://www.anthonyoneal.com/app ⏱ TIMESTAMPS: 00:00 — Introduction: Are You Really Behind? 02:15 — The Math Is Not Against You 05:30 — Step 1: Stop the Financial Bleeding 09:45 — Step 2: Build Your $2,500 Emergency Buffer 14:20 — Step 3: Attack the Debt 19:10 — Why You Can't Out-Invest 24% Interest 23:40 — Step 4: Build Your Full Emergency Fund 28:15 — Step 5: Invest Like Your Future Depends On It 33:00 — The Story of Denise 38:45 — Why Starting at 40 Is Actually an Advantage 44:10 — What Your Kids Are Watching 48:30 — The Decision You Need to Make Right Now ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

Getting Out of Debt Was the Worst Financial Decision I Ever Made (Here's Why!)

I taught debt freedom for 15 years. I was wrong about one thing. Getting out of debt is not the finish line. It never was. I sat in my apartment — 100% debt free for the first time in my adult life — and felt completely lost. No wealth plan. No investment strategy. No legacy framework. Just zero debt and zero direction. Nobody taught me what came next. Not my school. Not my family. Not the financial system. And that silence cost me years. This episode is for everyone who crossed the finish line and felt empty instead of full. For everyone working toward debt freedom right now, wondering "then what?" For every parent doing better than their parents did — but not sure if it's going to be enough for their kids. Here's what I break down: - Why debt freedom is the starting line, not the destination - The 3 Phases of Financial Freedom (and why most people never make it past Phase 1) - The AO Legacy Framework — Protect, Grow, Transfer - Why getting out of debt with a survival mindset will sabotage your wealth every single time - What wealthy families are doing that nobody in our community is talking about - If you build it and don't transfer it, it dies with you. Your kids deserve better than starting at zero. This conversation is how we change that. Get the book: https://www.anthonyoneal.com/book Debt Relief Resource: https://www.anthonyoneal.com/debtrelief ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

55% of Americans Are Getting Poorer in 2026... The Other 45% Are Doing THIS!

55% of Americans say they're getting poorer. That's the highest number Gallup has recorded since 2001 — higher than the pandemic, higher than 2008. But 45% aren't. In this episode, I'm breaking down the 5 things separating the people quietly building wealth from the people quietly drowning in 2026. This isn't theory. This is the exact framework I used to go from broke and living in my car to a net-worth millionaire. Get the book "Stop Living Paycheck to Paycheck" (over $275 in free bonuses): https://anthonyoneal.com/book 🔗 RESOURCES MENTIONED: • Pre-Order "Stop Living Paycheck to Paycheck": https://anthonyoneal.com/book • Compare Top Investing Platforms: https://anthonyoneal.com/invest • Download the In The Black App: https://anthonyoneal.com/app CHAPTERS: 0:00 - Why 55% of Americans Are Getting Poorer 3:15 - How Bad It Really Is (The Numbers) 6:30 - Thing #1: Give Your Money a Mission 11:00 - Thing #2: Marry the Vision, Date the Method 16:45 - Thing #3: Hold Family Wealth Meetings 22:30 - Thing #4: Declare War on Consumer Debt 26:00 - Thing #5: Invest On Purpose 30:15 - The Truth That Will Set You Free Subscribe & join the In The Black family. We're better together than apart. #StopLivingPaycheckToPaycheck #BuildWealth #FinancialFreedom Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

5 Jobs Paying $5,000 A Week (Learn From Home In 90 Days)

About half of my college students shouldn't even be in my classroom. I say that as a professor at an HBCU — not from a cheap seat, but from the front of the classroom. Here's the truth nobody wants to say out loud: a 4-year degree is NOT the right path for every single person. Some of y'all are walking out with $40,000 in student loan debt for a path that was never built for who you are. In today's episode, I'm breaking down 5 skills that pay $5,000+ a week, cost less than ONE semester at a state school, and can be learned in 90 days or less. These jobs are bulletproof — they can't be done remotely, can't be offshored, and AI can't replace them. Whether you're 17 trying to figure out your next move, 35 stuck at a job that doesn't pay enough, or 50 wondering if it's too late — this episode is for you. If you're a parent watching this, please listen carefully. If your child is gifted with their hands, don't push them into a 4-year university just because that's what your generation valued. That's not love. That's pressure. This is about freedom. This is about wealth. This is about peace. ⏱️ TIMESTAMPS: 0:00 - Intro: Half My Students Shouldn't Be Here 3:00 - Why College Isn't For Everyone 6:00 - Skill #1: AI Implementation ($110K-$200K) 10:00 - Skill #2: Specialized Technical Trades ($85K-$160K) 14:00 - Skill #3: Cybersecurity ($99K-$200K) 18:00 - Skill #4: Data Literacy & Visualization ($88K-$132K) 21:00 - Skill #5: Sales & Revenue Operations ($154K-$250K) 24:00 - The 90-Day Strategy To Start 🔗 RESOURCES MENTIONED IN THIS EPISODE: - Pre-Order My New Book "Stop Living Paycheck to Paycheck" (Pre-order before August 25th to get $275 in FREE bonuses): 👉 https://www.anthonyoneal.com/book - Get AI Certified with Careerist (The same program that helped my contractor earn $10K): 👉 https://www.anthonyoneal.com/learnai - Enroll at Regent University & Apply for the $10,000 In The Black Scholarship + $500 Sign-Up Scholarship: 👉 https://www.regent.edu/anthony ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

How To Go From Average to Millionaire in Under 10 Years (This Plan Really Works!) | George Kamel

On this episode of The Table with Anthony ONeal, George Kamel joins us to share insights from his transformative new book, Breaking Free From Broke. George reveals his journey to becoming debt-free, offering a powerful example of how an everyday person on an average salary can achieve financial independence. By following this path, George became a net worth millionaire, demonstrating that true financial freedom is within reach for everyone. His story is a blueprint for changing not just your financial situation, but your family's generational legacy. Tune in to learn how you can take control of your finances and create lasting wealth for generations to come. 📙 Order George's Book Today: https://ter.li/f2qljj Mentioned On Today's Show: 🤝 Chime: https://link.anthonyoneal.com/chime 📱 George Kamel: https://www.instagram.com/georgekamel/ ▶️ George Kamel's YouTube: @GeorgeKamel ❇️ EveryDollar: https://shorturl.at/TQ7BM 📔 Pre-order My New Book: https://www.anthonyoneal.com/book 💰The New Millionaire Masterclass: https://millionaire.anthonyoneal.com/ 📖 Book of the month: https://amzn.to/3wAHebK *Chime is a financial technology company, not a bank. Banking services and debit card provided by The Bancorp Bank, N.A. or Stride Bank, N.A.; Members FDIC. Early access to direct deposit funds depends on payer. SpotMe eligibility requirements and overdraft limits apply. See chime.com/spotme* Checkout My Network Partners: 🤝 Better Help: https://link.anthonyoneal.com/betterhelp 🤝 Chime: https://link.anthonyoneal.com/chime 🤝 Course Careers: https://link.anthonyoneal.com/coursecareers 🤝 Ethos Life Insurance: https://link.anthonyoneal.com/ethos 🤝 Sofi High Yield Savings: https://link.anthonyoneal.com/savings Tools Created With YOU In Mind: 📔 Pre-order My New Book: https://www.anthonyoneal.com/book 📧 Email List: https://link.anthonyoneal.com/E3Community 💲Wealth Builder Tool: https://link.anthonyoneal.com/wealthbuilder 💰 Wealth Calculator: https://link.anthonyoneal.com/wealthcalculator 💸 Debt Calculator: https://www.anthonyoneal.com/debt-calculator 🏦 High Yield Savings Account: https://link.anthonyoneal.com/savings 💵 MooMoo Investment Account: https://link.anthonyoneal.com/moomoo 💲Financial Advisor: https://anthonyoneal.com/getmyplan 📗 The Ultimate Guide To Debt Payoff: https://www.anthonyoneal.com/free-tool/debt-payoff 📒 Make Money Online: https://www.anthonyoneal.com/free-tool/how-to-make-money-online 📈 Get A Raise: https://www.anthonyoneal.com/getaraise 📞 Schedule a 10 Min Call with Yellow Tail Tech: https://link.anthonyoneal.com/yellowtail 👩🏾‍❤️‍👨🏾 Singles Playbook Quiz: https://take.singlesplaybookquiz.com/ ❓ Guide To Asking Hard Questions: https://get.thequestionsguide.com/o/ ⛪️ My Devotionals on The Bible App: https://rb.gy/v0qf9i 🔎 Find a Church Near You: https://www.anthonyoneal.com/find-a-church-community The Neatness Network: 🎤Patrice Washington: @PatriceWashington 📗Joy River: @TheCouchwithJoyFriends 👩🏾‍🍳Victoria Lewis: @thevictorialewis 🏅Justin Owens: @Runtheplay 👨🏾‍💻Cyrus Harbin: @techisthenewblack FREE Webinar: 💻 The Personal Brand Masterclass: https://anthonyoneal.com/masterclass RECOMMENDED Reading 📔 Debt Free Degree: https://amzn.to/3jA8GfR 📓 Destroy Your Student Loan Debt: https://amzn.to/3uG5wNQ 📓 Essentialism: The Disciplined Pursuit of Less: https://amzn.to/37iUUf1 📘 The Ruthless Elimination of Hurry: https://amzn.to/3uEiKdW 🎙 Listen to the show iTunes: https://apple.co/2Wb2FhG Spotify: https://open.spotify.com/show/1DnGlzL7NBkDxGrlfCjCKf?si=1r2Irh2BTV2kuuwTQb5k0A 🎵 Intro: "The Table - Evan Ford, https://www.instagram.com/itsevanford/?hl=en https://music.apple.com/us/artist/evan-ford/999576125" GET IN TOUCH 🌍 My website - https://www.AnthonyONeal.com 🌍 Advertise With Me - partnership@anthonyoneal.com Connect with Me! Instagram: @anthonyoneal Facebook: @anthonyoneal Who I AM: Hey, fam! I’m Anthony and I’m here to help you discover your authentic self and achieve spiritual, financial, and mental freedom. I know what it’s like to be in debt and homeless - I’ve been there. But with the grace of God, I was able to turn my life around and I’m now helping others to do the same. Join me on my YouTube channel and let’s start this journey together. I’ll share my experiences, tips, and tools to help you achieve success and become debt-free. Plus, you can follow me on Instagram @AnthonyONeal and visit anthonyoneal.com for more resources and help. Subscribe now and join the AO fam! Let’s get to it! Have A Questions You Would Like Asked On The Show: Tweet me @anthonyoneal or email me at anthony@anthonyoneal.com. If your question is long, I might not read it, just being honest. 😁 Disclaimer: Some of these links are affiliate links, which means I may get a commission if you purchase. However, none of the fees of these resources have been increased to compensate me. In fact, many of these have given me special discounts that I get to extend to you! 😉 Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

If You Have $1,000 In The Bank. Do These 5 Things ASAP!

If you're the first person in your family to save $1,000 — stop everything and watch this. Most financial advice skips the most important step. Not because it's complicated. Because it was never written with OUR community in mind. In this video I'm breaking down 5 moves — in order — that turn your first $1,000 into the beginning of generational wealth. These aren't generic tips. This is the framework I wish someone had handed me when I was in your exact position. Here's what we cover: ✅ Move 1 — How to protect your $1,000 from the threats nobody warns you about ✅ Move 2 — Where to position your money so it works while it waits ✅ Move 3 — The move most people skip (and why it destroys first-generation wealth builders) ✅ Move 4 — How to make your $1,000 multiply without needing to be a financial expert ✅ Move 5 — The Legacy Declaration that makes all 4 moves permanent This isn't just about $1,000. It's about who your family becomes because of what you decide to do today. 📌 Resources mentioned: → Best High-Yield Savings Accounts: https://www.anthonyoneal.com/savings → Best Brokerage Accounts: https://www.anthonyoneal.com/invest → My Book: https://www.anthonyoneal.com/book 🔔 New videos every week. Subscribe so you never miss one. #GenerationalWealth #PersonalFinance #WealthBuilding #FirstGenerationWealth #AnthonyONeal #MoneyTips #FinancialLiteracy #RothIRA #DebtFree #BlackWealth Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

The 3 ETFs That Let You Buy The Next SpaceX Before It Goes Public (BUY TODAY)

Everyone is talking about SpaceX. But nobody is telling you the truth about what to do next. In this episode, I sit down with investor and financial educator @Courtney-Hale to break down exactly what happened with the SpaceX IPO, why you should NOT buy it right now, and the 3 ETFs that let everyday people invest in private companies BEFORE they go public. If you've been feeling like you missed out — this episode is for you. In this episode we cover: - What SpaceX actually is (and the 3 companies living inside it) - Why buying SpaceX right now could be a mistake - The truth about who got rich BEFORE it went public - Why the rules were changed just for SpaceX - How to get into the NEXT SpaceX before it goes public - The 3 ETFs you need to know about RIGHT NOW Mentioned In Today's Show: - Open your investment account to start buying these ETFs: https://www.anthonyoneal.com/invest - Grab My brand new book — Stop Living Paycheck to Paycheck: https://www.anthonyoneal.com/book **Make sure to subscribe and join @Courtney-Hale FREE Masterclass this Thursday! IT's 100% FREE: https://7figureportfolio.investinguncomplicated.com ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript

The System Wasn't Built to Make You Rich. It Was Built to Make You Manageable.

You've been doing everything right. Good job. Paying bills. Staying out of debt. And still — something doesn't add up. That's not an accident. In this video, I'm breaking down the 5 real differences between people who build wealth and people who work hard their entire life and have nothing to show for it. And I'm going to tell you something nobody in finance wants to say out loud: The system you were handed was never designed to make you wealthy. It was designed to keep you comfortable enough to never ask bigger questions. Work hard. Stay in your lane. Buy the things that make you feel like you're winning. That's the trap. And until you see it clearly — you will keep doing everything right and going absolutely nowhere. I've been there. I got my biggest raise and ended up overdrawn the same week. More money coming in than ever. Less than I'd ever felt. The problem wasn't my paycheck. It was that nobody had ever shown me what direction to point it in. That changes today. In this video you'll learn: → Why your vision matters more than your income → Why your budget might actually be working against you → How your closest relationships are shaping your net worth → Why "responsible" financial decisions might be keeping you poor → The one difference nobody wants to talk about — and why it's the most important one This isn't motivational fluff. This is the truth about why some people build wealth and most people don't — and exactly what you can do about it starting today. Wealth was never meant for other people. ABOUT ANTHONY ONEAL: Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: / anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbu... 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

• Transcript