[SPEAKER_00]: 63% of Americans are living paycheck to paycheck today yeah six out of ten of your friends six out of ten of your church member six out of ten of people on social media talking about their millionaires are living paycheck to paycheck and of these 60% 90% of them have less than $500 after the bills are paid
[SPEAKER_00]: We're now talking about $5,000 left, $500 a month is left.
[SPEAKER_00]: This is $500 standing between them and a disaster them and an emergency.
[SPEAKER_00]: Today's episode is gonna be a real one because I'm sticking tired of getting online and I'm seeing people hey, I made a million dollars.
[SPEAKER_00]: I did this, I did that somebody is lying because the stats is showing us differently.
[SPEAKER_00]: And if that is you, this and man, I'm not here today to make you feel small.
[SPEAKER_00]: I'm here to show you the exact five-step plan that got me in thousands of my community members that I've had the opportunity of coaching and serving.
[SPEAKER_00]: It has helped them change their financial treat.
[SPEAKER_00]: I'm not gonna see here and show you how to make a freaking million dollars.
[SPEAKER_00]: I've really changed to where I don't want to show you how to make millions.
[SPEAKER_00]: I want to help you experience financial freedom because 60% of adults in this country couldn't cover a thousand dollar emergency if it hit them today and pay for a cash.
[SPEAKER_00]: And Americans are caring about $1.2 trillion in credit card debt right now.
[SPEAKER_00]: You see, back in 1999, that number was about $480 billion.
[SPEAKER_00]: So from that time to today, it's almost doubled.
[SPEAKER_00]: But then yet, we don't want to have a real conversation.
[SPEAKER_00]: This is not a poor people's problem.
[SPEAKER_00]: 35% of households making under $50,000 a year live paycheck to paycheck.
[SPEAKER_00]: But also means that 65% of households at that exact same income don't.
[SPEAKER_00]: It's the same paycheck, but a different outcome.
[SPEAKER_00]: And get this, 20% of households making over $150,000 a year, they're still living paycheck to paycheck.
[SPEAKER_00]: It's the same trap, but a different tax bracket.
[SPEAKER_00]: millionaires that we see on social media, they make it money, but they got to continue working hard.
[SPEAKER_00]: They can't take no vacation because they made a hundred thousand dollars last month, quote one quote, but they spent a hundred and fifty thousand dollars last month.
[SPEAKER_00]: So if you've been telling yourself, I just need to make more money.
[SPEAKER_00]: I need you to hear me clearly on this.
[SPEAKER_00]: Making more money and still having no plan just means you get to be
[SPEAKER_00]: I've seen it happen to people making six figures.
[SPEAKER_00]: Hey, let me be honest with you.
[SPEAKER_00]: I lived it myself.
[SPEAKER_00]: I was selling cars and making six figures and was steel.
[SPEAKER_00]: Living page at the paycheck.
[SPEAKER_00]: And here's, I'm gonna, I'm gonna give you what's happening underneath all of this.
[SPEAKER_00]: You see, most people don't think they have a debt problem.
[SPEAKER_00]: They think they have a life problem.
[SPEAKER_00]: The bills are just always a little bit bigger than the check.
[SPEAKER_00]: That's it.
[SPEAKER_00]: That's the whole story in their head.
[SPEAKER_00]: My bills just a little bit bigger than my check.
[SPEAKER_00]: And that thought,
[SPEAKER_00]: That quiet little thought that says, it's just how life is.
[SPEAKER_00]: It's the most dangerous belief you can carry.
[SPEAKER_00]: Because it keeps you from even asking the real questions that actually changes things.
[SPEAKER_00]: Which is, is there a better way to do this?
[SPEAKER_00]: Is there a better way to life?
[SPEAKER_00]: Can I experience true financial freedom?
[SPEAKER_00]: answer is yes, there is.
[SPEAKER_00]: And I had to go find it the hard way.
[SPEAKER_00]: And in my assignment, my purpose, my mission is to share how I learned it your hard way to help you out to get through it quicker.
[SPEAKER_00]: So real quick, I want to talk about why smart, hardworking people like yourself,
[SPEAKER_00]: And what I've learned is it's usually one of three things.
[SPEAKER_00]: Maybe it's not all three things, but I can almost identify and I'll talk about this in my latest book, Stop Living Page at the Patriot.
[SPEAKER_00]: I can almost identify one of these three things here to very first one.
[SPEAKER_00]: Destructive decisions.
[SPEAKER_00]: Not because people are careless, but because we've seen or we've been taught.
[SPEAKER_00]: To spend money, we don't have on things that lose value the moment we buy them.
[SPEAKER_00]: A car, a couch, a closet full of clothes on a credit card.
[SPEAKER_00]: Here's a truth, none of that is the same, it's not evil, but when you're financing all of it, you are spending tomorrow's money on today's feelings.
[SPEAKER_00]: We're spending tomorrow's money on how we feel today.
[SPEAKER_00]: And in what we get to tomorrow, we regret even buying it.
[SPEAKER_00]: Which leads me to the second thing.
[SPEAKER_00]: It's a corroded culture.
[SPEAKER_00]: And I want to be honest with you about this one, because I lived it.
[SPEAKER_00]: You know, I used to drive at BMW any Bentley.
[SPEAKER_00]: One week, my BMW at a time was in a shop, so I drove my Bentley to this hot chicken spot to get some hot chicken.
[SPEAKER_00]: And I had been there several times in my BMW, right?
[SPEAKER_00]: And nobody ever said a word to me.
[SPEAKER_00]: But when I showed up on this one particular day in my Bentley, men, the workers ran up to the windows and brought, what do you do?
[SPEAKER_00]: How do I get like you?
[SPEAKER_00]: It's the same, me, it's the same food, just a different car.
[SPEAKER_00]: And that's when it hit me.
[SPEAKER_00]: Our culture teaches us,
[SPEAKER_00]: and teaches specifically young men that success looks like a nice car in a parking lot, not a plan on a piece of paper driving a Honda Accord.
[SPEAKER_00]: And check this out.
[SPEAKER_00]: A lot of us are chasing the look of wealth instead of the actual thing that builds wealth.
[SPEAKER_00]: I was just, I'm on the golf course, and man, I was on the golf course, and I had pulled up in my luxury car, and I was meeting one of my friends who probably does about $20 million a year.
[SPEAKER_00]: He pulled up in his Ford F-150, and when I pulled up in my car, the young black man asked me what do I do, and the guy who makes $20 million a year, they didn't even acknowledge him.
[SPEAKER_00]: I told the guy, I meet him up there, I want to get my stuff out the car, and I put three young men back to him.
[SPEAKER_00]: That's an April, let me tell y'all something, man.
[SPEAKER_00]: I appreciate y'all, you know, like in my car.
[SPEAKER_00]: But you all ask me what do I do?
[SPEAKER_00]: And yes, and I'm blessed and fortunate to make millions.
[SPEAKER_00]: But the guy who put up on this F-150 that doesn't look as dope as this, he's worth four times me.
[SPEAKER_00]: What?
[SPEAKER_00]: I was like, yeah, but you didn't ask him because of what he pulled up in.
[SPEAKER_00]: And I gave him this, do not allow culture to mislead you, the fact that he is on a private golf course means that he has something.
[SPEAKER_00]: You should be asking everybody here on this golf course, what do you do?
[SPEAKER_00]: You should be asking, instead of asking us what do you do, ask us, hey, I'm 20 years old, hey, I'm 21 years old, I'm in school, can you give me one piece of advice?
[SPEAKER_00]: of what I should be doing in my 20s that you wish you were dating your 20s.
[SPEAKER_00]: Because culture says, if he has a nice car, if he has a nice car, if they have an blame blame, watch his if they look good, they win it.
[SPEAKER_00]: But the truth of the fact is, does a lot of people who drive in some normal situations and aim dressing real dope and they make way more money.
[SPEAKER_00]: Here's the third, which leads me to the next one, right, Ms.
[SPEAKER_00]: Guided Mindset.
[SPEAKER_00]: There are three lies I hear over and over.
[SPEAKER_00]: One I have to look successful to be taken seriously.
[SPEAKER_00]: I'm scared of money because I might lose it if I invested and a third thing, everything will work out somehow.
[SPEAKER_00]: I just believe God and I've faith in God, everything's going to be okay, and I want to be real gentle, but real direct with you all.
[SPEAKER_00]: Hope is not a financial plan because faith without action is not a financial plan either.
[SPEAKER_00]: because he wants you to think and do.
[SPEAKER_00]: So now, I want to talk about the specific mistakes that are keeping people financially stuck because I want this part to feel like I'm looking right into your situation.
[SPEAKER_00]: I'm looking right at you right now.
[SPEAKER_00]: Here's a very first mistake that I've seen over the last year.
[SPEAKER_00]: I always say over the last few years of me being in the space.
[SPEAKER_00]: And this is one of the main reasons why I wrote the book.
[SPEAKER_00]: You see, most budgeting apps just track your spending and leave you guessing what do I do today?
[SPEAKER_00]: But my new app in the black is different.
[SPEAKER_00]: This isn't just a tracker.
[SPEAKER_00]: It's your daily money coach right in your pocket every single day.
[SPEAKER_00]: You see, every single morning, you wake up and you know exactly what to do with your money today.
[SPEAKER_00]: No more confusion, no more second guessing, no more wondering what do I do, I'm literally walking with you.
[SPEAKER_00]: Step by step, every single day, whether you're budgeting, paying off debt, saving, or investing for your future, the app holds you accountable and it celebrates your wins and gives you a customized clear plan.
[SPEAKER_00]: So you never have to wonder, what do I do?
[SPEAKER_00]: do today.
[SPEAKER_00]: And listen, this isn't just about numbers.
[SPEAKER_00]: You see inside the app, you get my complete brand new escape plan course.
[SPEAKER_00]: This is my proven system to break free from debt and build real well.
[SPEAKER_00]: And also, we just also announced a new community of like-minded individuals.
[SPEAKER_00]: And all of this is inside the app.
[SPEAKER_00]: So listen, listen, if you're tired of filming stuff, if you want a money coach in your pocket, not just another app,
[SPEAKER_00]: I need you to go and download the app today.
[SPEAKER_00]: Go to anthenionil.com, for slash end the black and join thousands of others who already have the app who are getting out of the red and they're getting into the black and boy, they're having a great time.
[SPEAKER_00]: Head over to anthenionil.com, for slash end the black and I'm gonna see you in the app.
[SPEAKER_00]: I'm gonna say it in a more.
[SPEAKER_00]: Believe in dead, it's just a part of life.
[SPEAKER_00]: Let's do some quick math together.
[SPEAKER_00]: All right, say you buy, let's say I couch $4,000, and you put it on a credit card.
[SPEAKER_00]: If you only paid them minimum every single month with interest running, let's say, in between 22 and 29% right now, you could end up paying $2,000, $2,400 total for that same couch.
[SPEAKER_00]: You're paying double the price for something that you couldn't afford in a first place.
[SPEAKER_00]: Respect was saying that that's just stupid.
[SPEAKER_00]: Here's a mistake number two, spending the money before you plan the money.
[SPEAKER_00]: You see, most of us look at our bank balance, our bank balance after we've already decided to buy something.
[SPEAKER_00]: We check to see if we can afford it after the decision was already made in our head.
[SPEAKER_00]: The fix for this is what I call a monthly money vision.
[SPEAKER_00]: Before the month even stars, you decide on paper exactly where every single dollar is going to go.
[SPEAKER_00]: Here's the truth, and I've had to learn this.
[SPEAKER_00]: We can't win a game that we never wrote the rules for.
[SPEAKER_00]: So if you want to win the money game, you have to write down your money rules.
[SPEAKER_00]: state number three.
[SPEAKER_00]: We don't have any margin.
[SPEAKER_00]: We don't have any buffers.
[SPEAKER_00]: So every emergency turns into new debt.
[SPEAKER_00]: I want to tell you about a young man in our community for today's show because I didn't get permission to share his specific story up.
[SPEAKER_00]: I'm going to call him Marcus, right?
[SPEAKER_00]: Single dead has about three boys.
[SPEAKER_00]: He's a warehouse supervisor.
[SPEAKER_00]: He just finished paying off his last credit card and has saved about $1300 in his emergency savings.
[SPEAKER_00]: Then, unfortunately, he got let go.
[SPEAKER_00]: They downsize
[SPEAKER_00]: Um, at this particular time, I think his rent was right around like a thousand bucks.
[SPEAKER_00]: He was able to put a thousand all towards his rent.
[SPEAKER_00]: Buy some groceries and he was cooking at home.
[SPEAKER_00]: He picked up some delivery work on the side for a door dash and for Uber eats.
[SPEAKER_00]: So he was making like an extra three to $500 a week while also applying for other jobs.
[SPEAKER_00]: So because he got rid of the credit card debt, he used the cash in his high yield savings account, paid his rent, bought groceries, went to do a side thing until, until he could find his job because he knew he needed some buffer.
[SPEAKER_00]: He knew that he needed some buffer.
[SPEAKER_00]: You see, this entire point
[SPEAKER_00]: It's about buying yourself times so you don't have to make a desperate decision.
[SPEAKER_00]: But if he didn't have the cash, he would have had to go borrow money on the credit card.
[SPEAKER_00]: He would have had to ask some friends and family members for it, but he refused to do that.
[SPEAKER_00]: And here's mistake number four, try and to invest or look wealthy before the foundation is even said.
[SPEAKER_00]: I get it.
[SPEAKER_00]: Melissa, if I tell you how many conferences I've been to, many conferences, I'm going to be at Invest Fest this weekend at the time of recording, and everyone wants to learn and make more money, but nobody really wants to know how to build a foundation, and I get it.
[SPEAKER_00]: Investing is exciting.
[SPEAKER_00]: Starting a business, oh my gosh, I might be a boss.
[SPEAKER_00]: If you don't have a solid plan for your money, you skip straight to building a second floor.
[SPEAKER_00]: I'm sorry, family, you're building on sand.
[SPEAKER_00]: You're building on a rocky foundation.
[SPEAKER_00]: And what we have to do is get the foundation right at first, because everything else gets easier after that.
[SPEAKER_00]: I'm gonna take a quick minute to encourage you to suggest that if, and I wanna challenge you,
[SPEAKER_00]: that if you're sick and tired of being sick and tired of your finances, if you're looking for the right step by step plans, step by step strategy on how to change your life financially.
[SPEAKER_00]: I won't encourage you to get my brand new book that comes out here in a couple of weeks, August 25th, and it's called Stop Live in Pay to the Patriot.
[SPEAKER_00]: That's a matter of fact.
[SPEAKER_00]: Once you check it out right now, check out this quick commercial.
[SPEAKER_00]: If payday feels like relief, instead of progress, we need to have a honest conversation, because here's a truth.
[SPEAKER_00]: Payday shouldn't feel like somebody threw you a life-preserver.
[SPEAKER_00]: No, it should feel like another step towards freedom, specifically financial freedom.
[SPEAKER_00]: But for a lot of people, that paycheck is almost already gone before it ever hits the bank.
[SPEAKER_00]: The mortgage, the car, the credit cars.
[SPEAKER_00]: Everyone is getting paid except for who you.
[SPEAKER_00]: That's exactly why I wrote Stop Living Pachat to paycheck.
[SPEAKER_00]: I wanted to give hard, working people like yourself a real plan.
[SPEAKER_00]: Not another motivational speech.
[SPEAKER_00]: If today's message sounds like your life, go to Anthonyonil.com for a slash book and order your copy today.
[SPEAKER_00]: Again, that's Anthonyonil.com for a slash book.
[SPEAKER_00]: Let's get to freedom together.
[SPEAKER_00]: Alright, so let's talk about what you can actually do, and I'm not going to overwhelm you, I was saying today.
[SPEAKER_00]: I'm going to give you, I was saying, I'm going to give you three, three moves, just three, that you can start each one of these three moves today.
[SPEAKER_00]: Now, when it comes to financial freedom, I want to be honest with you, it's a lot to the process.
[SPEAKER_00]: And I can't give you everything on today's episode.
[SPEAKER_00]: I'm going to try and give you as much as the past we can, but this is why I wrote the book.
[SPEAKER_00]: Because I give you every single thing there.
[SPEAKER_00]: And my next book is going to be about some other stuff.
[SPEAKER_00]: But this is the book that I believe is going to change everyone's game.
[SPEAKER_00]: But here's the very first move.
[SPEAKER_00]: that you all have heard me say, I really spend like a whole half of the chapter on this one, and it's called Right Your Financial Vision.
[SPEAKER_00]: This will take you about 10 minutes.
[SPEAKER_00]: Um, I don't know what that is.
[SPEAKER_00]: A dream sits there in your head, making you feel good for a split second.
[SPEAKER_00]: But a vision, an effective vision, gets written down and becomes a plan that you're actually committed to.
[SPEAKER_00]: So what I want you to do is grab your phone right now or a piece of paper and write down one sentence.
[SPEAKER_00]: Maybe the sentence could be, in five years, my family will be debt free with $10,000 saved.
[SPEAKER_00]: It could be, you know, what, and by the end of 20, 20, 6, I would pay it off, I would have paid off $7,000 in debt.
[SPEAKER_00]: Brothers, the strategy could be, man,
[SPEAKER_00]: I am going to propose to my young lady with an index year, and I'm going to pay cash for her ring and start saving for our wedding.
[SPEAKER_00]: See the difference?
[SPEAKER_00]: A dream is just something we think about on ahead.
[SPEAKER_00]: A vision is I'm going to write it down because I can see what I wrote down.
[SPEAKER_00]: And I am more likely to accomplish that.
[SPEAKER_00]: Write down the vision.
[SPEAKER_00]: If you got a Paul's this episode, pause it right now.
[SPEAKER_00]: Here's move to.
[SPEAKER_00]: I need you to get out of debt and start working the death snowball.
[SPEAKER_00]: This is where you list all your debt from smallest to largest, right?
[SPEAKER_00]: So many different things out there.
[SPEAKER_00]: Dead avalanche and pay off the highest interest first.
[SPEAKER_00]: But right now we need to get some quick wins.
[SPEAKER_00]: So I need you to start with the smallest balance, not the highest interest rate, the smallest balance.
[SPEAKER_00]: You pay the minimum of every single thing, and you throw every extra dollar you can find at the smallest debt until it's gone.
[SPEAKER_00]: Then you take that whole payment and roll it onto the very next one.
[SPEAKER_00]: The reason we start small, simple, I told you, you need a quick win.
[SPEAKER_00]: You need to feel that first debt disappear so your brain believes this plan actually works.
[SPEAKER_00]: Because I do believe that motivation is sparked by momentum and I don't believe it happens the other way around.
[SPEAKER_00]: I'm not going to say hearing waste time on this because you all know I teach and breathe, the debt snowball, I've written books on it, I have done shows on it, and let me know in the comments section if you all really want me to break this thing down, the debt snowball and really like draw it out.
[SPEAKER_00]: Bring my iPad and really draw it out.
[SPEAKER_00]: Let me know in the comments if you all think I should do that.
[SPEAKER_00]: Here's move number three.
[SPEAKER_00]: I need you to open up a high yellow savings account today, and I need you to start your one month buffer.
[SPEAKER_00]: In a Paris, I used to teach $1,000 set aside for emergencies, but I don't teach that anymore.
[SPEAKER_00]: Because that's beyond its 26 life has gotten more expensive and $1,000 just doesn't stretch that way.
[SPEAKER_00]: It doesn't stretch the way it used to be.
[SPEAKER_00]: So now I'm telling people I need you to have at least one month of your net pay before you start attacking anything else.
[SPEAKER_00]: Not your gross pay.
[SPEAKER_00]: What actually lands inside of your bank account and you're going to park that and they high yield savings account.
[SPEAKER_00]: You can simply go to anthony on nil.com for slash savings to find the best ones there.
[SPEAKER_00]: Now,
[SPEAKER_00]: I want to walk you through the real, a real story because I want you to see these numbers added up in real life.
[SPEAKER_00]: So, we're going to have these up on the screen somehow, and I don't want you to just hear me talk.
[SPEAKER_00]: I want you to physically see these numbers.
[SPEAKER_00]: I call them Johnny Jasmine, young couple living a small apartment on the west side of Atlanta.
[SPEAKER_00]: It's about $50,000 combined debt that they have between both of them.
[SPEAKER_00]: And I want to break down for you exactly how it looked on their refrigerator when it comes to the debt that they have.
[SPEAKER_00]: So they have a hospital bill at $1,250.
[SPEAKER_00]: Then John's car left is right around $5,500.
[SPEAKER_00]: then they have a credit card that is more than their car, 6,750 dollars.
[SPEAKER_00]: Now Jasmine's car loan is at 7,700 dollars.
[SPEAKER_00]: She has a little newer car.
[SPEAKER_00]: But Jasmine also has student loans at about 13,325 dollars.
[SPEAKER_00]: But laying on skip over John, Cajon has 15,575 dollars in student loans.
[SPEAKER_00]: So they were paying about close to $806 every single month just to keep those minimums current.
[SPEAKER_00]: And almost none of that money was touching the actual balance aka the principle.
[SPEAKER_00]: It was all going towards the interests.
[SPEAKER_00]: They found out that Jasmine was pregnant and that they were expecting their first child.
[SPEAKER_00]: And that was been the moment of everything I would say within their life actually shifted.
[SPEAKER_00]: They sat down at the same little kitchen table and wrote their financial vision out because they knew that their life could not be the same when their child came in.
[SPEAKER_00]: So they built a monthly money vision together and they started their debt snowball with that 1250, 1000, 250 dollar hospital bill because it was the smallest one, right?
[SPEAKER_00]: Now I'm not gonna say here in Taylor, oh my God, they got out of debt in six months,
[SPEAKER_00]: I will say 24 months, going on two years, they were completely dead free.
[SPEAKER_00]: Had the baby, and when you're later after having the baby, they are completely consumer dead free.
[SPEAKER_00]: Here's the part of their story that most people skip right past because it's the part that actually proves this works.
[SPEAKER_00]: Their daughter, unfortunately, got bitten by a spider in the middle of a night.
[SPEAKER_00]: They ended up spending a night in a hospital, and racking up a bill just under $3,000, I want to say, and because they had built an emergency fund.
[SPEAKER_00]: They paid the entire bill and cash.
[SPEAKER_00]: No credit card, no step backwards, no asking for an extension or payment plans.
[SPEAKER_00]: It took them about six weeks to rebuild that buffer.
[SPEAKER_00]: And then they kept moving exactly the way they wanted to move like nothing even happened because their financial house was in a hurry.
[SPEAKER_00]: Here's what I love is I continue listening to what I teach inside the escape plan.
[SPEAKER_00]: They started investing $300 a month and they're combined with retirement accounts.
[SPEAKER_00]: They started doing this once they were fully consumer debt-free.
[SPEAKER_00]: Then they increased that all the way up to maximize the Roth IRA contributions for both of them, which comes out to watch this y'all about $15,000 a year.
[SPEAKER_00]: That's what's invested.
[SPEAKER_00]: I'm going to just sit with these numbers for a quick second because I did this match myself and it still gets me every single time.
[SPEAKER_00]: Starting from a base of $20,000 at the age 30 contributing 15,000 a year until age 65 at an average return of, let's say, 8 to 10 percent that account grows to 4.6 million dollars.
[SPEAKER_00]: They didn't win the lottery lottery.
[SPEAKER_00]: Nobody left them in a herodance, they just followed my plan, my strategy, and when they get up age, they'll be able to give their kids millions of dollars, because of the decision that they made today.
[SPEAKER_00]: Think about that.
[SPEAKER_00]: How would you feel being consumer debt free and raising your children and you're not the worry about money?
[SPEAKER_00]: Money is not an issue.
[SPEAKER_00]: How would you feel being able to sing your kids off the college comes from a debt free and knowing that as you're getting older and you're going to have money yourself and you're not going to be a financial burden to your children but when God brings you home, you can leave them in the hairdance.
[SPEAKER_00]: But before we can even get there, there's one thing.
[SPEAKER_00]: that has to ship before any of this can become real for you.
[SPEAKER_00]: And I want to say this plain, plainly as I possibly can.
[SPEAKER_00]: Huh, I'm sorry, family, especially, you don't have a money, a money problem.
[SPEAKER_00]: You have a plan problem.
[SPEAKER_00]: You don't have an income problem, you have a strategy problem problem.
[SPEAKER_00]: And I need you to think about that because I know it might be a little hurtful to hear that.
[SPEAKER_00]: But I honestly think it's actually good news because if I don't have a money problem and if I can just get the right strategy and the right plan then I can change my whole financial situation around, yes you can and that's good news.
[SPEAKER_00]: Because if you had a money problem, that is very, very difficult to fix.
[SPEAKER_00]: A plan just simply means that you've never had the right step by steps written down in the right order, and to me, that's fixable.
[SPEAKER_00]: Honestly, if you get the boat, it's fixable within the next 20 to 18 months.
[SPEAKER_00]: But here's the first shift that has to happen.
[SPEAKER_00]: Stop believing that money or more income is the answer.
[SPEAKER_00]: Because more income without a system just means that you get to repeat.
[SPEAKER_00]: They exact same cycle with bigger numbers attached to it.
[SPEAKER_00]: And what actually changes your life is the system underneath the income, that is, that is so good, that is so good, that is so good, what changes your financial life is the system underneath your income decisions.
[SPEAKER_00]: which leads me to the second shift.
[SPEAKER_00]: Y'all, and I'm gonna be real with y'all, man.
[SPEAKER_00]: And I don't know so many y'all gonna hate this.
[SPEAKER_00]: But stop believing that wealth means looking successful, that wealth means driving the car, having a jury.
[SPEAKER_00]: No.
[SPEAKER_00]: My father told me something on the golf course.
[SPEAKER_00]: Now, I've heard him say this before a couple of years ago.
[SPEAKER_00]: He says, son, I may not have as much money as you, but I got freedom.
[SPEAKER_00]: I have freedom to be out here with you on a Tuesday afternoon.
[SPEAKER_00]: I don't have to check my phone to see if my boss is calling.
[SPEAKER_00]: That's worth.
[SPEAKER_00]: That's freedom.
[SPEAKER_00]: It's not the car in a driveway.
[SPEAKER_00]: But I have freedom to be present with my son.
[SPEAKER_00]: I have freedom to be present with the people who I love.
[SPEAKER_00]: And y'all, I am literally getting to a, so where I don't care anymore about the aesthetic of things.
[SPEAKER_00]: Do I have freedom to do what the heck I want to do?
[SPEAKER_00]: And when I want to do it with whom ever I want to do it.
[SPEAKER_00]: Do I have the freedom to be a blessing to somebody without expecting the money to come back?
[SPEAKER_00]: Do I have the freedom to, to so-sees and to union church and to help my pastor accomplish his vision?
[SPEAKER_00]: Do I have the freedom?
[SPEAKER_00]: to come here every single week and record content and help you all out without trying to sell you something, every single time.
[SPEAKER_00]: So I had the freedom to sit down and write books and put books out there that actually provides transformation.
[SPEAKER_00]: That's freedom.
[SPEAKER_00]: I don't want to have to be stressed.
[SPEAKER_00]: All I gotta wake up at the month of August is start.
[SPEAKER_00]: The month of September just started.
[SPEAKER_00]: I gotta go make a $100,000 this month.
[SPEAKER_00]: Or if I'm doing, I'm stressed out.
[SPEAKER_00]: No, man.
[SPEAKER_00]: No, I want freedom.
[SPEAKER_00]: And here's the third shift.
[SPEAKER_00]: America, we gotta stop believing dead.
[SPEAKER_00]: It's just normal.
[SPEAKER_00]: It is a normal part of our adult lives.
[SPEAKER_00]: Because I believe it, that character is flawed.
[SPEAKER_00]: And it's not just how the world works, it's a system that was built to keep you paying interest instead of building ownership.
[SPEAKER_00]: Once you see it for yourself, once you see it for what it is, you stop filling a shame of it and you start filling motivated to get out of bondage.
[SPEAKER_00]: tired of seeing my people and bondage, but then yet we're saying we got it together, and yet we're struggling.
[SPEAKER_00]: I know so many millionaires.
[SPEAKER_00]: who the world celebrates and calls them successful.
[SPEAKER_00]: And I also many actors and actresses and people who they always look good.
[SPEAKER_00]: But they're crying on the inside.
[SPEAKER_00]: They're stressed on the inside.
[SPEAKER_00]: Before we end the show, I want to give you three things you could do within the next 24 hours.
[SPEAKER_00]: Just three simple moves that you could do with the next 24 hours, practical things you can do now.
[SPEAKER_00]: The very first thing is before you go to seek, I need you to open a bio, save the count.
[SPEAKER_00]: Listen, it doesn't matter if you put zero one dollar and it or $20 in it.
[SPEAKER_00]: The count exists in the first domino effect of things, right?
[SPEAKER_00]: because everything else will fall after that one.
[SPEAKER_00]: So that you can just open up their account, everything else will fall into place.
[SPEAKER_00]: The number two tonight, I want you to open up your nose app on your phone and write down, type down, whatever you wanna do, every debt you have.
[SPEAKER_00]: Let's see from the smallest amount to the largest, because that's going to be your decimal ball order right there, but then a matter of five minutes.
[SPEAKER_00]: Then I need you to download the app in the black by going to anthonyo.com for slash app and put those numbers inside of that app and we're going to give you a detail plan and a whole jewel countable to what you're doing.
[SPEAKER_00]: Here's number three, tomorrow morning before you spend a single dollar right down exactly what you plan to spend this week.
[SPEAKER_00]: That's the very beginning of your monthly money vision.
[SPEAKER_00]: Everything I just gave you was real and I've watched it work in real people lives over and over again and listen the greatest life I could watch it's mine.
[SPEAKER_00]: Because I just share with you, it's really what happened to me.
[SPEAKER_00]: And what I just shared with you is the first phase of a bigger plan.
[SPEAKER_00]: And there's five phases that I'll talk about, getting out of debt is phase one.
[SPEAKER_00]: A phase two is building real wealth and understanding and investing all the way through retirement.
[SPEAKER_00]: And leaving something behind for your children, children.
[SPEAKER_00]: I wrote every single one of these phases down with the scripts, with the math and the exact steps, and my brand new book calls stop live and pay to the paycheck.
[SPEAKER_00]: Yes, yes, yes, I am saying I want you to get it.
[SPEAKER_00]: Yes, Anthony is trying to sell you a book.
[SPEAKER_00]: Listen to what I'm saying.
[SPEAKER_00]: because I see the comms.
[SPEAKER_00]: All Anthony is just trying to promote his book.
[SPEAKER_00]: You're dead.
[SPEAKER_00]: I'm going riding him.
[SPEAKER_00]: We had my brother on Dr. West Bellamy, professor, Dr. West Bellamy on my show.
[SPEAKER_00]: And he said, man, one of the greatest attributes you can have to set you up for financial success is to read.
[SPEAKER_00]: Not, not watch.
[SPEAKER_00]: what happened on the power that came in.
[SPEAKER_00]: Not watch was going on with Meg's stallion and Tory, not matter what's going on with Jay-Z and Beyonce, not matter what's happening with Diddy, not what's going on with TikTok, but the greatest attribute you can have that can change your financial future is reading.
[SPEAKER_00]: And I spent five years putting together this.
[SPEAKER_00]: So yes, I am begging you to get the book.
[SPEAKER_00]: Not because it's going to make me money, but because I know what's inside of this book is going to change your life.
[SPEAKER_00]: And the more black lives, white lives, Hispanic lives, I can help change the better this world will be.
[SPEAKER_00]: And so if you go to anthanyone.com for slash book, and if you pre-ordered the book right now, I'm giving you over 275,000 free bonuses.
[SPEAKER_00]: Early access to the first chapter, at 21 Day Money Challenge Founder, where we're going to help you find a thousand dollars within a next 21 days.
[SPEAKER_00]: Simply right, I'll just go to anthanyone.com for a slash book.
[SPEAKER_00]: Listen to me.
[SPEAKER_00]: Some of you may be behind, but I think a lot of you are not behind.
[SPEAKER_00]: You're definitely not broken.
[SPEAKER_00]: You're not stupid.
[SPEAKER_00]: All right.
[SPEAKER_00]: I don't think I got a broke because I think broke is a mindset.
[SPEAKER_00]: I think we just all sometimes tend to struggle because we were never taught certain things.
[SPEAKER_00]: But now that we know it,
[SPEAKER_00]: And knowing means you get to make a different decision starting today.
[SPEAKER_00]: Where you're going to do with this information.
[SPEAKER_00]: Listen, I love you.
[SPEAKER_00]: I genuinely do mean that.
[SPEAKER_00]: Share today's episode with somebody.
[SPEAKER_00]: But I promise you, it's going to help you.
[SPEAKER_00]: It's going to help you tremendously.
[SPEAKER_00]: All right?
[SPEAKER_00]: Shaboy Anthony O'Neill.
[SPEAKER_00]: I see you tomorrow, because don't forget, every single day is month.
[SPEAKER_00]: We drop you some special, specifically just for you to help you get the only right.