[SPEAKER_00]: Anyway, can I ask you something real quick?
[SPEAKER_00]: And I do not want you to answer it out loud, especially if you're driving, if you're someone.
[SPEAKER_00]: But just sit with it for a second.
[SPEAKER_00]: If your paycheck showed up seven days late, I'm not talking about going, just showed up seven days late with your household make it.
[SPEAKER_00]: With the light, say on, with the gas tank get filled, watch this.
[SPEAKER_00]: with the kids still eat what they normally eat or will it turn into whatever's left in the pantry.
[SPEAKER_00]: I really need you to be honest with yourself right now because most people won't be honest until they're forced to be.
[SPEAKER_00]: And I don't want you to honest the answer this in a forceful way, I want you to walk into it on purpose.
[SPEAKER_00]: today on this quick, quick episode.
[SPEAKER_00]: Listen, y'all, this is the table daily, the table nugget.
[SPEAKER_00]: Actually, this is the table presence.
[SPEAKER_00]: Stop live in the picture at the paycheck for the entire month of August.
[SPEAKER_00]: My name is Anthony O'Neill.
[SPEAKER_00]: One truth.
[SPEAKER_00]: One move.
[SPEAKER_00]: But then 10 minutes.
[SPEAKER_00]: So pull up a chair.
[SPEAKER_00]: Let's get straight to it.
[SPEAKER_00]: Years ago, before any of this before the books,
[SPEAKER_00]: I had a job at a collection agency.
[SPEAKER_00]: My shift started at about 7.45 a.m. in the morning every single day.
[SPEAKER_00]: My job was to call people who were behind on their bills and find out exactly why and to get them to pay their bills today, not tomorrow, but today.
[SPEAKER_00]: Now, here's what I expected walking into when it comes to that job.
[SPEAKER_00]: I expected to talk to people who didn't care.
[SPEAKER_00]: People who were irresponsible and people who just weren't trying, they were trying to get over on people.
[SPEAKER_00]: But that is not what I found.
[SPEAKER_00]: I talked to a teacher who was three weeks behind on a medical bill because her daughter needed a procedure that insurance didn't fully cover.
[SPEAKER_00]: I talked to a man, a young man, as a matter of fact, who managed an entire warehouse, 40 employees under him who was avoiding my calls because he was embarrassed.
[SPEAKER_00]: men I've taught to nurses, I've taught to truck drivers, I've taught the people with steady paychecks and decent jobs and in good intentions and almost every single one of them said some version of the exact same sentence to me.
[SPEAKER_00]: I don't understand it.
[SPEAKER_00]: I make decent money, but I don't understand why I'm here.
[SPEAKER_00]: I used to think that that wasn't a excuse, people gave themselves to feel better.
[SPEAKER_00]: It is not an excuse, honestly it is a truth.
[SPEAKER_00]: And once I understood that, it changed how I saw every single phone call I made after that.
[SPEAKER_00]: Here's a number.
[SPEAKER_00]: I want you to sit with.
[SPEAKER_00]: According to our survey, cover by PRN Newswire, back in September of 2024, about a couple of years ago.
[SPEAKER_00]: 77% of people said they would face significant financial difficulty if their paycheck were delayed by just one week.
[SPEAKER_00]: 77% vow.
[SPEAKER_00]: I need you to think about that.
[SPEAKER_00]: That's not a small group of careless people.
[SPEAKER_00]: That is the majority of this country.
[SPEAKER_00]: That's your neighbor.
[SPEAKER_00]: That's your coworker.
[SPEAKER_00]: Let's be honest, maybe that's eating you.
[SPEAKER_00]: Now, I want to be really clear about what that survey is telling us, and what it is not telling us.
[SPEAKER_00]: It is not telling us that 77% of Americans are lazy.
[SPEAKER_00]: Nah, nah.
[SPEAKER_00]: It's not telling us that 77% of people are bad with money because they don't care.
[SPEAKER_00]: Here's what it is telling us that 77% of household are running with zero margin, zero runaway, zero space between what comes in and what's already spoken for before it even lands inside their bank account.
[SPEAKER_00]: so that's not an income problem first.
[SPEAKER_00]: What is that?
[SPEAKER_00]: That is a system's problem first.
[SPEAKER_00]: Here's exactly what I mean.
[SPEAKER_00]: If you make $40,000 a year with no plan,
[SPEAKER_00]: you would feel exactly like someone who makes 150,000 dollars a year with no plan.
[SPEAKER_00]: It's the same anxiety.
[SPEAKER_00]: It's the same dread when you check when you check your bank account.
[SPEAKER_00]: It's the same feeling of being one bad week away from disaster.
[SPEAKER_00]: Because the size of the number coming in was never the whole issue.
[SPEAKER_00]: I'm saying it again.
[SPEAKER_00]: The size of your check is not the issue.
[SPEAKER_00]: The issue is that nobody, and I mean nobody ever set either one of you down and said, hey, here's what to do with what you already have.
[SPEAKER_00]: Here's what to do and how to still work what God is already giving you.
[SPEAKER_00]: And I want you to hear this the way that I mean it.
[SPEAKER_00]: Not as an insult, but as a truth, that sets you free.
[SPEAKER_00]: You're not broke.
[SPEAKER_00]: broke is a bank account.
[SPEAKER_00]: What most of you are dealing with is something deeper than that.
[SPEAKER_00]: You're trapped.
[SPEAKER_00]: You're trapped in a cycle where the money comes in and leaves again before you even get a chance to decide where it should go.
[SPEAKER_00]: And here's the line.
[SPEAKER_00]: Here's the line I need you to remember, because it's the whole reason I'm sitting at this table with you every single day for the month of August.
[SPEAKER_00]: Financial Freedom is a decision before is a destination.
[SPEAKER_00]: You don't have to arrive at freedom by accident.
[SPEAKER_00]: You decide to ward it.
[SPEAKER_00]: One choice at a time, starting today.
[SPEAKER_00]: If payday feels like relief.
[SPEAKER_00]: 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 cards.
[SPEAKER_00]: Everyone is getting paid except for who you.
[SPEAKER_00]: That's exactly why I wrote Stop Living Pitch at the paycheck.
[SPEAKER_00]: I wanted to give hard, working people like yourself a real plan, 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]: Let me ask you a few questions.
[SPEAKER_00]: And I just want you to answer them honestly in your own head.
[SPEAKER_00]: And if you've bowed it up, put them inside the comment section they'd be one two.
[SPEAKER_00]: Do you avoid checking your bank account some days because you're scared of what you'll see?
[SPEAKER_00]: Think about that.
[SPEAKER_00]: Here's another question.
[SPEAKER_00]: Is every dollar of your next paycheck already spoken for before it even lands?
[SPEAKER_00]: If your car broke down tomorrow, would you have to put it on a credit card?
[SPEAKER_00]: If you answered yes, I really want to be honest with yourself.
[SPEAKER_00]: If you answered yes to any of these, I'm not here to shame you.
[SPEAKER_00]: I've been there.
[SPEAKER_00]: I lived that life.
[SPEAKER_00]: I have said yes to all of those questions.
[SPEAKER_00]: But I'm here to hand you the exit.
[SPEAKER_00]: I'm here to give you an escape plan.
[SPEAKER_00]: Here's our one move that I need you to do today.
[SPEAKER_00]: It takes less than 10 minutes, and I need you to actually do it, not just not alone in your car or on your walk.
[SPEAKER_00]: I need you to open up your banking app right now, soon as you get off.
[SPEAKER_00]: All right, add up everything you have in cash, not your credit limit, not money you are expecting.
[SPEAKER_00]: Just what's actually sitting in your accounts today?
[SPEAKER_00]: Just ask yourself, how much money do I have?
[SPEAKER_00]: And look at it, they don't want you to ask yourself this question and answer it in real numbers.
[SPEAKER_00]: If every source of income stop today, how many days could my house host survive on what's already available?
[SPEAKER_00]: I need you to write that number down.
[SPEAKER_00]: Don't judge, don't judge it.
[SPEAKER_00]: Don't panic over it.
[SPEAKER_00]: I just need you to know that number.
[SPEAKER_00]: Because you cannot fix a number, you refuse to look at.
[SPEAKER_00]: That number, you just calculated.
[SPEAKER_00]: That's exactly where I start in my book, stop living paycheck to paycheck.
[SPEAKER_00]: I call it phase one where we lay down the foundation.
[SPEAKER_00]: But before we ever talk about attacking debt, before we talk about investing a single dollar, we deal honestly with where we're actually at today.
[SPEAKER_00]: And then I walk you through, building what I call a one month buffer.
[SPEAKER_00]: one month of your full net pay income that you get every single month and that's going to be parked into a high-year sales account that you do not touch.
[SPEAKER_00]: So that number you just wrote down stops controlling your life.
[SPEAKER_00]: Listen to me.
[SPEAKER_00]: If what you calculated a minute ago, scared you even a little, this quick episode was for you but it cannot be the only thing that you do
[SPEAKER_00]: I specifically wrote, start living page at the page yet to give regular, hardworking people like you and I, a complete step-by-step way out of exactly what we talked about today.
[SPEAKER_00]: It's not a lecture, it's not shame, it is a plan, it is a strategy.
[SPEAKER_00]: Inside of this book, I walk you through the same five-phase system I've used to help thousands of families move from panic to peace.
[SPEAKER_00]: from surviving to actually building something of substance.
[SPEAKER_00]: It starts with stabilizing what you have right now and it ends with building a legacy.
[SPEAKER_00]: Your family will still be talking about long after you are going.
[SPEAKER_00]: First time, I want you to get a copy of this book by going to anthonyl.com foresticebook right now.
[SPEAKER_00]: Or are you a copy today?
[SPEAKER_00]: I mean that.
[SPEAKER_00]: Don't wait until Friday.
[SPEAKER_00]: Don't wait until payday.
[SPEAKER_00]: Go to anthonyl.com foresticebook and get this book in your hands to date.
[SPEAKER_00]: And if you do that before August 25th, you're going to get so many free resources that you'll be able to download today and utilize to start your financial journey today.
[SPEAKER_00]: The trap you're in right now was never meant to be permanent.
[SPEAKER_00]: Listen, on the next stop living in paycheck, the paycheck, quick episode, I'm going to talk about something a lot of you are secretly hoping will save you, a race.
[SPEAKER_00]: And I need to tell you to truth about why a race all by itself will not fix a single thing we talked about today.
[SPEAKER_00]: Listen y'all, remember, I from the belief,
[SPEAKER_00]: That freedom is better than being rich.
[SPEAKER_00]: I name his Anthony O'Neill.
[SPEAKER_00]: Go to Anthony O'Neill.com for a status book, order your copy of the book today, and I'll see you on the next episode of the table and on the next special edition of Stop Live in Pitch at the Paycheck brought to you by the table with Anthony O'Neill.