[SPEAKER_00]: For the last 15 years, I've been teaching, pay off your debt, become debt-free.
[SPEAKER_00]: I have student stages, I have set in this chair, I have looked into this camera until hundreds and thousands of people.
[SPEAKER_00]: to solely get out of debt.
[SPEAKER_00]: That is one of the most important move, if not the most important move.
[SPEAKER_00]: That is the goal that is the mission.
[SPEAKER_00]: And today, I want to clarify some things that I've really never said on camera.
[SPEAKER_00]: Chute to the fact is, we're being honest, getting out of debt almost ruined my future.
[SPEAKER_00]: The reason being, I'm going to explain
[SPEAKER_00]: but getting out of debt was the end-on be all.
[SPEAKER_00]: If you ever paid off debt, or let's say you are currently working towards getting out of debt right now, and somewhere in the back of your mind, somewhere in your thought price to this year, you're questioning yourself and you're asking yourself, okay, once I get out of debt, then what?
[SPEAKER_00]: Once I get out of debt, what now?
[SPEAKER_00]: today's episode is going to be specifically for you.
[SPEAKER_00]: If you've ever crossed a financial finish line and felt empty instead of full, today's episode is going to be for you.
[SPEAKER_00]: If you've ever, ever, ever, ever, if you have ever looked at your kids and thought,
[SPEAKER_00]: I am doing better than my parents did, but I am not sure if it's going to be enough specifically for my kids today's episode is going to be for you.
[SPEAKER_00]: Because where I'm about to share, what I'm about to go through within the next 20 minutes is a conversation that I wish we had more often within a personal fine-ass face.
[SPEAKER_00]: But the truth of the fact is, without this conversation, it costs me years of my life trying to figure it out specifically on my own.
[SPEAKER_00]: Because I'm gonna say it right now, paying off your debt is not the destination.
[SPEAKER_00]: And if I'm being really honest, but when it goes deeper, it never was.
[SPEAKER_00]: Honestly, and someone put this in the chat if you're watching this live,
[SPEAKER_00]: Paying off your debt was simply the starting line.
[SPEAKER_00]: And for years, I mean, it's years.
[SPEAKER_00]: I was so locked in on helping people get out of debt, get to the starting line that I forgot to tell them there was an entire race to run after it.
[SPEAKER_00]: And if you cross that line and you stopped, if you celebrated, and if you breathe, and if you just coast it, your children are going to start in the exact same place that you started.
[SPEAKER_00]: What is that?
[SPEAKER_00]: Starter 9, A.O.
[SPEAKER_00]: is a good question.
[SPEAKER_00]: Broke, stressed, figuring it out on their own with nothing left behind for them.
[SPEAKER_00]: I don't care.
[SPEAKER_00]: How hard you worked to get out of debt.
[SPEAKER_00]: If that is the outcome, we have to do better.
[SPEAKER_00]: You deserve better.
[SPEAKER_00]: Your family deserves better.
[SPEAKER_00]: And today, we are going to walk you through how to get to the finish line.
[SPEAKER_00]: How do we get you back to the finish line?
[SPEAKER_00]: and be taken back to a specific time of my life.
[SPEAKER_00]: I remember sitting in my apartment.
[SPEAKER_00]: I was dead free.
[SPEAKER_00]: For the first time in my adult life,
[SPEAKER_00]: I was 100% at that time, debt-free.
[SPEAKER_00]: Didn't have a car note, didn't have a credit card, didn't have any student loans that are around, didn't even have a mortgage payment at the time.
[SPEAKER_00]: I had everything, I was debt-free.
[SPEAKER_00]: And in my head, I was like, I did it.
[SPEAKER_00]: I said, I did it.
[SPEAKER_00]: I had to follow the steps.
[SPEAKER_00]: I made the sacrifices.
[SPEAKER_00]: I had said no to things I wanted, so I could say yes to financial freedom later.
[SPEAKER_00]: I set there in the apartment, waiting to fill something.
[SPEAKER_00]: And if I'm being transparent, what did I feel?
[SPEAKER_00]: I felt the little good, or I felt like, okay, okay, but I also felt a little lost because every single goal I had set, every vision board back then, every budget that I was doing, every late night, every extra job I was working, every time I would get into my car and
[SPEAKER_00]: Getting out of debt, and I had no idea on what to do next.
[SPEAKER_00]: I didn't have a wealth plan.
[SPEAKER_00]: I didn't have an investment strategy.
[SPEAKER_00]: I didn't have a legacy framework.
[SPEAKER_00]: I didn't even know what a legacy framework was.
[SPEAKER_00]: I simply had zero debt, and that to me isn't an amazing starting line.
[SPEAKER_00]: Let's be honest.
[SPEAKER_00]: Getting out of debt is the foundation of what you want to build on, but a lot of us have zero direction after that.
[SPEAKER_00]: Hmm.
[SPEAKER_00]: This is going to be a good one.
[SPEAKER_00]: I come shaking a little bit of my legs because I feel passionate about this one.
[SPEAKER_00]: This is what I need to out of no today that I did not know back in my mid-20s, the late 20s.
[SPEAKER_00]: That filling,
[SPEAKER_00]: that that little bit of emptiness that I had was not a personal failure if I'm being honest with you it I believe it was a systemic one because let's let's go there nobody taught me
[SPEAKER_00]: What to do with my money first?
[SPEAKER_00]: No one never even taught me what to do when your consumer debt is going.
[SPEAKER_00]: Not my school, not my family, not my church, not my boys, not my girls, not the financial system that was designed by the way to keep people like us consuming but not building and not owning anything.
[SPEAKER_00]: But here is what I also know that needs you all to get with me.
[SPEAKER_00]: Knowing that does not let me off the hook.
[SPEAKER_00]: and it does not let you off the hook either.
[SPEAKER_00]: Because, how do I say this?
[SPEAKER_00]: How do I say this?
[SPEAKER_00]: The door is open now.
[SPEAKER_00]: The information is available now.
[SPEAKER_00]: And every single day that we do not walk through the door, we are choosing the outcome for our children.
[SPEAKER_00]: My brand new book stopped living paycheck to paycheck.
[SPEAKER_00]: The proven path to break free from debt was the next step.
[SPEAKER_00]: Build real wealth and live free on any income.
[SPEAKER_00]: We have the manuscript.
[SPEAKER_00]: And today I'm gonna give you what nobody gave me.
[SPEAKER_00]: I'm gonna give you that I wish I had this book years ago.
[SPEAKER_00]: Because if I were to had this book, stop living paycheck to paycheck.
[SPEAKER_00]: In front of me, after I paid off my debt, man, I'd be wealthier right now.
[SPEAKER_00]: My business would be wealthier right now.
[SPEAKER_00]: And here's the thing that, that one of my, I was on a show, I was on a show.
[SPEAKER_00]: My sister Jessica is calling me coming out some time.
[SPEAKER_00]: I don't know, when is it becoming out?
[SPEAKER_00]: And I forgot, she's changing the name of her show.
[SPEAKER_00]: And I'm not gonna put the name of her show out there until she puts the name of the show out there.
[SPEAKER_00]: But, you know, she said Anthony, what is the key thing to building wealth?
[SPEAKER_00]: It's called a framework.
[SPEAKER_00]: We need a framework that has systems and strategies putting inside of it.
[SPEAKER_00]: That's not just forgetting us out of debt, but for building something that your children's children will still be living off of.
[SPEAKER_00]: I said it's on a previous show.
[SPEAKER_00]: Abbers people, we think month to month.
[SPEAKER_00]: Well, if these people, we think generations to generations.
[SPEAKER_00]: So this is not about money, this is about generations, this is about legacy, this is about something that is going to impact and change your entire life.
[SPEAKER_00]: So I want to introduce you to something that I have inside of my book, and I call this the three phases of financial freedom.
[SPEAKER_00]: the three phases of financial freedom.
[SPEAKER_00]: And you can go to anthonyonew.com.
[SPEAKER_00]: Forrestash book because I really break all this down inside the book and we have classes that teaching this.
[SPEAKER_00]: But here it's phase one and that is debt freedom.
[SPEAKER_00]: And yes, it is real.
[SPEAKER_00]: Yes, it is necessary and it is worth celebrating.
[SPEAKER_00]: If you're in phase one right now, I am so proud of you.
[SPEAKER_00]: I need you to keep going.
[SPEAKER_00]: I need you to dial in and do not stop.
[SPEAKER_00]: but phase one without phase two is like building a house with no roof.
[SPEAKER_00]: You did the work, huh?
[SPEAKER_00]: You laid down the solid foundation.
[SPEAKER_00]: You, you, you, you, you, you, you, you, may watch the summer y'all eat in planting the the Bible and praying over your foundation.
[SPEAKER_00]: But then you left it exposed, who everything the world is going to throw at it.
[SPEAKER_00]: Phase two is what I call wealth of building.
[SPEAKER_00]: This is where your money starts working for you instead of you working for your money.
[SPEAKER_00]: This is investing.
[SPEAKER_00]: This is ownership.
[SPEAKER_00]: This is building income streams that do not require you to trade time for dollars every single day.
[SPEAKER_00]: I want that to sit right there.
[SPEAKER_00]: Aren't you sick and tired of having to get you behind up every single day to give someone those eight hours to give someone else another four hours to get a thousand, two, three, four thousand hours?
[SPEAKER_00]: Aren't you tired of it?
[SPEAKER_00]: Aren't you ready for your money to buy back more your time?
[SPEAKER_00]: because this is where phase three comes in.
[SPEAKER_00]: See, phase three is a legacy transfer.
[SPEAKER_00]: This is where everything you built gets passed down.
[SPEAKER_00]: The wheels, trust, do financial education at your porn back into your children, to your community, to your church, do businesses that outlast you.
[SPEAKER_00]: And here's the part that I got to say to my Black brothers and sisters, most of us never make it to phase three.
[SPEAKER_00]: Not because we're not capable, but because nobody ever told them face to and face to exist.
[SPEAKER_00]: And feelin' good, feelin' good.
[SPEAKER_00]: No one ever told them that you can get past surviving and you can get to thriving and you can start to kiss off thriving, not survive.
[SPEAKER_00]: I gotta be real with you.
[SPEAKER_00]: Before I say anything else, this does not replace the desk number.
[SPEAKER_00]: This does not replace living below your means.
[SPEAKER_00]: What I teach still stands period.
[SPEAKER_00]: But if you are caring more than I would say about 20,000 dollars in consumer debt and you feel stuck, I want you to know there is an additional resource that can help you get that free little bit quicker.
[SPEAKER_00]: I've had the opportunity to partner with some trusted debt relief companies.
[SPEAKER_00]: and what I'm asking you to do is simple.
[SPEAKER_00]: But a Anthony O'Neill.com for sats that really filled out the free application is gonna take literally three minutes and just have a conversation.
[SPEAKER_00]: Ask the hard questions.
[SPEAKER_00]: Be completely honest about your current situation and then don't you think about it, do not rush it, do not sign anything on the spot.
[SPEAKER_00]: Don't even give them any money, just take your time to think about it.
[SPEAKER_00]: This is just a tool, one more option on a table, but you'll never know if it can help you unless you have the honest conversation.
[SPEAKER_00]: Zero cost to apply, there's zero obligations.
[SPEAKER_00]: It's just not particularly to get some more information to help you journey.
[SPEAKER_00]: The link is in the show notes, go to ampionion.com for slash debt relief, and as always, let's get you out of the red and into the black.
[SPEAKER_00]: Let's get back to today's show.
[SPEAKER_00]: Because here's the reason why most people,
[SPEAKER_00]: I will say get stuck between phase one and phase two, and then be honest with you, I'm gonna be honest with y'all today today, it's not a money forever.
[SPEAKER_00]: Yeah, it's not, it's not, it's a mindset problem.
[SPEAKER_00]: It's not a cash flow problem, it's a mental problem.
[SPEAKER_00]: Most of us, and right now I'm speaking specifically to my black brothers and sisters right now.
[SPEAKER_00]: Most of us grew up in homes where the goal was to survive.
[SPEAKER_00]: The goal was to keep a roof over our head, but not too thrive.
[SPEAKER_00]: As long as I can pay the bills and keep the lights on and have food on the table and close on my back, I'ma be alright.
[SPEAKER_00]: Pay the bills, do what you got to do to survive.
[SPEAKER_00]: It is not a weakness.
[SPEAKER_00]: It is a response to real circumstances, real pressure, and real pain.
[SPEAKER_00]: But here's what I need you to hear clearly.
[SPEAKER_00]: And I say this respectfully, you cannot build a legacy with a survival only mindset.
[SPEAKER_00]: You can't get out of debt, but they say viable, a survival only mindset.
[SPEAKER_00]: You can grind your way to zero with their survival mindset, but the moment you cross into phase two, the moment you start trying to build something of substance, that, oh, mindset will sabotage you every single time.
[SPEAKER_00]: Because building requires you to think long term, building requires you to have delay gratification again.
[SPEAKER_00]: Building requires you to make this is not just for yourself, but for people who are not even born yet.
[SPEAKER_00]: Ew!
[SPEAKER_00]: This is the difference.
[SPEAKER_00]: This is the different kind of discipline and it starts with a different kind of belief.
[SPEAKER_00]: And for me, the belief is rooted in my faith.
[SPEAKER_00]: I believe, I have faith that I'm gonna have a family, I'm gonna have kids.
[SPEAKER_00]: So now at 42 years old, I gotta make decisions for the son and the daughter that has none even been born yet.
[SPEAKER_00]: I see, I believe that God did not bring you, and he's not bringing you out of debt for those who are still in debt, just so you could be comfortable.
[SPEAKER_00]: I believe he brought you out or he's bringing you out so you could be a conduit, a channel, a vessel for generational blessings.
[SPEAKER_00]: I don't have my Bible on me, but I was reading this morning and the Bible does not say he came so that you might have life and have it just okay, it says, what abundantly,
[SPEAKER_00]: and abundance.
[SPEAKER_00]: Think about that.
[SPEAKER_00]: Real abundance is not just about what you have.
[SPEAKER_00]: It is about what are you leading behind?
[SPEAKER_00]: Proverbs.
[SPEAKER_00]: I think it's over in 13th, 13th verse 22.
[SPEAKER_00]: It says that a good man leaves inheritance with his children's children.
[SPEAKER_00]: not their children, but their children's children and Anthony O'Neill's addition, children.
[SPEAKER_00]: This is the Bible says, two generations from a vision, I want to go through generations, because that's a legacy mindset, and that is what God is calling all of us to do.
[SPEAKER_00]: So if you have been treating debt freedom as the finish law,
[SPEAKER_00]: Oh my gosh, I almost said something.
[SPEAKER_00]: Freedom is not in the finish line.
[SPEAKER_00]: That freedom is not in the finish line.
[SPEAKER_00]: You did not come this far just to die with no dead.
[SPEAKER_00]: God did not bring you this far just so you can go home and say, God, I died dead free.
[SPEAKER_00]: I didn't leave him nothing.
[SPEAKER_00]: But I died dead free.
[SPEAKER_00]: God said that even the hair is, he didn't say died that free, like I said earlier, we about to get into it.
[SPEAKER_00]: by to get into it, being dead free is important, but it's not the end all.
[SPEAKER_00]: I want to tell you about a conversation that I had that I would never forget.
[SPEAKER_00]: I never will forget it.
[SPEAKER_00]: My team in Iowa is traveling for a speeding gauge when I was talking to someone and a man had worked his entire life, decades of hard work.
[SPEAKER_00]: sold up every single day, raised his case, stayed out of trouble, did everything right by the standards he was given.
[SPEAKER_00]: He'd think there is by the standards he was given.
[SPEAKER_00]: And when he came up to me after I got off stage and we said down and we talked about what he was going to leave behind.
[SPEAKER_00]: That was a key question that I asked him.
[SPEAKER_00]: He revealed that there was nothing.
[SPEAKER_00]: And after talking to him, I realized it wasn't because he was lazy.
[SPEAKER_00]: It's not because he didn't care, but because nobody had ever set down with him and said, hey, here is what you need to do with what you earned.
[SPEAKER_00]: Here is how you make your income multiply.
[SPEAKER_00]: Here is how you make sure your kids do not start from zero.
[SPEAKER_00]: No debt, but they know wealth.
[SPEAKER_00]: And I said across from him, and I made a decision at that time.
[SPEAKER_00]: I decided that I was going to be the person who has the conversation, not just with him but at scale, on this channel, in my books, in every room that I am ever given access to, because the man's story is not going to be all about our story, and I don't want you all struggling.
[SPEAKER_00]: I don't want you coming over here and you're trying to figure out what to do.
[SPEAKER_00]: Why?
[SPEAKER_00]: Why when it comes to funerals, African Americans are the number one consumer of GoFundMe?
[SPEAKER_00]: Because we don't have a framework.
[SPEAKER_00]: And we don't work a system that puts us in position that makes us think generations, generations, generations.
[SPEAKER_00]: So I need you to dial in.
[SPEAKER_00]: If you drive it right now, you need to dial it.
[SPEAKER_00]: If you're watching this on the computer, I need you to stop taking notes, because I'm about to give you the 80 legacy framework.
[SPEAKER_00]: The retailers, simple, actionable and designed for people who are starting from zero, who are who's starting over.
[SPEAKER_00]: If you were in the one to go into more depth of this, you've got to get the brand new book.
[SPEAKER_00]: Go to anthonyo.com, forest ice book.
[SPEAKER_00]: Check that out, it's going to be absolutely amazing, but I want to get straight into it, pillar number one.
[SPEAKER_00]: I protect what you have.
[SPEAKER_00]: This is pillar number one.
[SPEAKER_00]: This is the step that most people skip the moment they become that free.
[SPEAKER_00]: They get so excited about investing, which I totally understand.
[SPEAKER_00]: that they forget to build the protection layer first.
[SPEAKER_00]: One of our top shows is with my big brother Courtney, who's always coming here, teaching us how to invest, which is so important.
[SPEAKER_00]: But protection means a fully funded emergency fund.
[SPEAKER_00]: This is three or six months of your net pay.
[SPEAKER_00]: This is liquid.
[SPEAKER_00]: This is accessible.
[SPEAKER_00]: This is a non-freakin' negotiable.
[SPEAKER_00]: Watch this.
[SPEAKER_00]: Protection also means time life insurance.
[SPEAKER_00]: I'm teaching her deck.
[SPEAKER_00]: This is enough to cover your income for your family if something was to happen to you.
[SPEAKER_00]: Not if, I'm sorry, when something happens to you.
[SPEAKER_00]: Brothers, sisters, mom, dad, husband, wife,
[SPEAKER_00]: Protection also means in a state plan, a will, a beneficiary designation on every account you owe, because if you die without these things in place, the course decide what happens to everything you worked your behind on for it.
[SPEAKER_00]: And they will not decide the way you would have.
[SPEAKER_00]: Tenters don't go off with the numbers enough to see the paper.
[SPEAKER_00]: That's in front of them.
[SPEAKER_00]: Pillar one is not sexy, it's not glamorous, it's not attractive, but it is the foundation that makes everything else possible.
[SPEAKER_00]: You cannot build on sand.
[SPEAKER_00]: You build on the rock.
[SPEAKER_00]: Don't rock.
[UNKNOWN]: Bill.
[SPEAKER_00]: We got to get into the mindset and understand it.
[SPEAKER_00]: We got to start growing what we earn.
[SPEAKER_00]: This is where wealth actually begins.
[SPEAKER_00]: And I think this is important.
[SPEAKER_00]: OK.
[SPEAKER_00]: I want to break something down, or I want to say something before I break this down and put it like that.
[SPEAKER_00]: We, specifically the Black Americans,
[SPEAKER_00]: We're systemically excluded from the wealth-building system in this country.
[SPEAKER_00]: Redlining kept us out of home ownership.
[SPEAKER_00]: Being discriminated against kept us from opportunities that was back then, some were say, important for lending opportunities for business ownership.
[SPEAKER_00]: We have lack of access to financial education that kept us out of the markets.
[SPEAKER_00]: that is true.
[SPEAKER_00]: Even in the 2026, I am a little bothered by some of the things that I come that I see in the political climate up today.
[SPEAKER_00]: We're seeing, we're seeing things from a political perspective it makes you question,
[SPEAKER_00]: His race isn't really still here and is it just a little different?
[SPEAKER_00]: And I said that I didn't respect for him.
[SPEAKER_00]: I refuse to let that truth become an excuse for an action within my life.
[SPEAKER_00]: I'm black.
[SPEAKER_00]: And I say this respectfully, and I love God with all my heart, but damn it, I'm proud to be black.
[SPEAKER_00]: But the door is open now.
[SPEAKER_00]: Index funds do not ask you for your race.
[SPEAKER_00]: A Roth IRA does not check your zip code.
[SPEAKER_00]: A broker to count does not care what neighborhood you're behind grew up in.
[SPEAKER_00]: Amazon getting financial literacy books do my care what color you are but people know if I put it in music and in television it'll move black people but if I want to hide it from I'm put it in a bag on book
[SPEAKER_00]: So books and tools are available in every year, every single year that we do not use them, the wealth gap widens, not because the system is winning, but because we are not playing the system.
[SPEAKER_00]: We're not doing research on it and using the tools and the books that God has allowed us to get because it is not in music, it is not in TV, we're not going to access it.
[SPEAKER_00]: So, pillar two is about playing that game, investing consistently, building ownership, creating income that does not require a lot of your physical presence.
[SPEAKER_00]: And you do not, and I mean, as you do not need to be rich to start, you don't need to have a lot of money to start.
[SPEAKER_00]: You simply got to be intentional.
[SPEAKER_00]: Intentional, I don't come from the rich family.
[SPEAKER_00]: When I started reading books, when I started getting around white people, and who I love, genuinely.
[SPEAKER_00]: Man, I said, okay, cool, great.
[SPEAKER_00]: I said, I got it.
[SPEAKER_00]: I got it.
[SPEAKER_00]: Okay, let me tell you what I'm saying, man.
[SPEAKER_00]: Let me tell you what I'm saying.
[SPEAKER_00]: What the hell?
[SPEAKER_00]: Quit little story.
[SPEAKER_00]: I'm gonna get back.
[SPEAKER_00]: I'm gonna get a pill of pre.
[SPEAKER_00]: And then I'm gonna get a body.
[SPEAKER_00]: I was on my first risk cartoon cruise.
[SPEAKER_00]: My first risk cartoon cruise.
[SPEAKER_00]: And you know, you know, I'm doing well financially.
[SPEAKER_00]: My company is doing well.
[SPEAKER_00]: You know, never, my company has never missed a payroll in five years, that we've been here.
[SPEAKER_00]: Not one employee can say they've never, they've missed a payroll.
[SPEAKER_00]: So so God is doing well.
[SPEAKER_00]: Well, on this risk-corrupting crew.
[SPEAKER_00]: I had the opportunity to smoke some cigars.
[SPEAKER_00]: And when I went inside this room, I was the only black man in this room.
[SPEAKER_00]: There was one billionaire from Saudi Arabia.
[SPEAKER_00]: There was another super rich guy from Chuck's Dubai.
[SPEAKER_00]: And then there was like other guys and they were doing very, very well off.
[SPEAKER_00]: And they were sitting there talking.
[SPEAKER_00]: And when I went inside the room, you know, I do my thing because I've navigated in that room before.
[SPEAKER_00]: And when I get inside the room, I navigate the room.
[SPEAKER_00]: I don't change who I am, but I know how to have the conversation.
[SPEAKER_00]: And while I'm having the conversation, they're like, okay.
[SPEAKER_00]: This young man, he cool.
[SPEAKER_00]: Now they start talking and they start mentioning books.
[SPEAKER_00]: They start mentioning podcasts.
[SPEAKER_00]: They start mentioning how they're building wealth and what they're investing in for their show.
[SPEAKER_00]: One guy said, man, we have an account set up for our fifth generation grandchild.
[SPEAKER_00]: And it's inside of his estate that the first four generations can't touch it.
[SPEAKER_00]: and that the only way the fifth generation can touch it is if the first generation told the second generation about what grandpa did for their grandchildren's children because they want the story to be passed down.
[SPEAKER_00]: I came off the cruise.
[SPEAKER_00]: I called my best friend, I said, bro, we ain't thinking long enough.
[SPEAKER_00]: We're not reading the right books.
[SPEAKER_00]: These white people, these rich white people are, they're thinking so much past us.
[SPEAKER_00]: And watch this.
[SPEAKER_00]: When you think like that, yeah.
[SPEAKER_00]: It stresses you because now you gotta make more money.
[SPEAKER_00]: Now you gotta be more creative.
[SPEAKER_00]: Now you've got to find the right system of strategy to work because if you don't work it right, you can never reach that goal.
[SPEAKER_00]: So now five generations down.
[SPEAKER_00]: They probably would never meet in a pursuer.
[SPEAKER_00]: They would not meet.
[SPEAKER_00]: They're what is that?
[SPEAKER_00]: Great, great, great, great grandfather.
[SPEAKER_00]: They'll never meet them.
[SPEAKER_00]: But they gonna know that brother's name.
[SPEAKER_00]: And I came back and I said, you know what?
[SPEAKER_00]: I need my people.
[SPEAKER_00]: I need my people to know.
[SPEAKER_00]: and pillow three, pillow three, pillow three, transfer what you build.
[SPEAKER_00]: This is the pillar that I spend a lot of time in my book on because this separates wealth from generation old wealth.
[SPEAKER_00]: If you build it and you don't transfer it, it's gonna die with you.
[SPEAKER_00]: and transfer is not just financial, it is also educational.
[SPEAKER_00]: It is sitting down with their kids and teaching them what money is, how it works, what is it for?
[SPEAKER_00]: It is making sure that they understand and investing before they graduate high school.
[SPEAKER_00]: It is modeling the behavior you want them to replicate.
[SPEAKER_00]: It is also legal, you've got to have a bill, a trust, if you're a state warrant, it.
[SPEAKER_00]: Clear, beneficiary designations.
[SPEAKER_00]: It comes to you much of family about what you have and what you want done with it, the moment God brings you home to be with him.
[SPEAKER_00]: But you know what?
[SPEAKER_00]: Most people avoid this conversation because it involves thinking about death.
[SPEAKER_00]: But we got a flip down.
[SPEAKER_00]: And I understand it, because when I, it was in sexy.
[SPEAKER_00]: When I did my mistake, but here's the thing, this conversation is not about death.
[SPEAKER_00]: It is about life.
[SPEAKER_00]: It is about the life your grandchildren are going to live because you were intentional enough and you love them enough to have it.
[SPEAKER_00]: To me, that's, that's legacy, that is stewardship.
[SPEAKER_00]: And that is what this whole journey has been building towards.
[SPEAKER_00]: I want to take you back to that apartment one more time.
[SPEAKER_00]: 100% debt-free.
[SPEAKER_00]: Sitting in a quiet, filling, confused.
[SPEAKER_00]: I'm dead free, but why do I not?
[SPEAKER_00]: Why do I still feel somewhat lost?
[SPEAKER_00]: If I could go back and sit down next to that version of Anthony O'Neill, I would not tell him to celebrate longer.
[SPEAKER_00]: I would hand him my book, stop living paycheck to paycheck, and tell him there's a framework inside of this book.
[SPEAKER_00]: I would say, Anthony, phase one is done.
[SPEAKER_00]: Now get phase two and get to phase three.
[SPEAKER_00]: Here's a vision that is bigger than your bank account.
[SPEAKER_00]: Here's the legacy that God has been preparing you to build.
[SPEAKER_00]: Congratulations.
[SPEAKER_00]: Go lie and celebrate with your boys that day.
[SPEAKER_00]: Go take her on a nice date today, but tomorrow.
[SPEAKER_00]: Tomorrow.
[SPEAKER_00]: You're working for your kids now.
[SPEAKER_00]: Your kids are not going to remember that you paid off your debt.
[SPEAKER_00]: They're going to remember what you left them.
[SPEAKER_00]: They're going to remember what you
[SPEAKER_00]: They're going to remember, not just the financials, but the wisdom you let them, the examples you let them, the standard you set, but what this family does and who this family is.
[SPEAKER_00]: This, in my opinion, is real inheritance.
[SPEAKER_00]: may not be making sex figures, but you got the guidance.
[SPEAKER_00]: You have the framework.
[SPEAKER_00]: You are going to be okay.
[SPEAKER_00]: So here's what I need you to do, right now.
[SPEAKER_00]: And I mean as one,
[SPEAKER_00]: If you're ready, if you really want to get the framework and change, very first thing is go to anthonyoneo.com, 4stash, book, get a copy of my brand new book that's coming out in August.
[SPEAKER_00]: It's going to walk you through a so much, is I spend a good one or two chapters on eliminating debt and then after that, I get into the other phases that are super important on changing the future of your children.
[SPEAKER_00]: And not just, and some of you don't have children.
[SPEAKER_00]: And legacy is not just about children, so what did you build?
[SPEAKER_00]: After you got out of debt, what's the education you need to buy on?
[SPEAKER_00]: Then number two, YouTube has been a little funny lately.
[SPEAKER_00]: There, we've been seeing that a lot of my peers who are pretty big on YouTube, we've been seeing that the algorithm is in funny.
[SPEAKER_00]: So if you can't share this video with someone who you think needs this message, hit the thumbs up for us, share this video.
[SPEAKER_00]: If you're not a part of the family, please hit the subscribe button and third and third.
[SPEAKER_00]: Spend some time tonight and look at what phase you're in.
[SPEAKER_00]: And I want you to get intentional over the next 30 days.
[SPEAKER_00]: I need you to pray and say, God, I'm in phase one.
[SPEAKER_00]: I'm in phase two.
[SPEAKER_00]: I'm in phase three.
[SPEAKER_00]: God help me help my family.
[SPEAKER_00]: Get out of this face and get to the next one.
[SPEAKER_00]: And God gives us the wisdom, the knowledge, the resources, the tools, the right accountability partners to help us get to all of the faces.
[SPEAKER_00]: Because that's the goal.
[SPEAKER_00]: I know lately I've been real hard on African Americans and who we are and what we've been doing and I know some of y'all are not black and hopefully this doesn't defend you because the message still applies to you.
[SPEAKER_00]: But I got to talk to it and blame it to my HBCU between you and university.
[SPEAKER_00]: Then the blackness of Anthony O'Neill is coming out a little more.
[SPEAKER_00]: But I love everybody.
[SPEAKER_00]: I'm rooting for everybody.
[SPEAKER_00]: I want to see everybody win.
[SPEAKER_00]: But this mission that I'm on is to help my brothers and my sisters.
[SPEAKER_00]: I'll see you in the next show.
[SPEAKER_00]: Peace out.