The Table with Anthony ONeal
I Was Making Six Figures and Still Lived Paycheck to Paycheck: 3 Things I Did to Get Out.
Making six figures does not guarantee financial freedom. Anthony O’Neal knows because he earned six figures selling cars and still lived paycheck to paycheck. In this episode, Anthony exposes the decisions, cultural pressures and money mindsets that keep hardworking people financially stuck, regardless of their income. He breaks down four common financial mistakes, shares the three moves that helped him escape the cycle and explains how to build a written money plan, eliminate debt with the debt snowball and create a one-month emergency buffer. If payday feels more like temporary relief than real progress, this episode will help you stop performing wealth, build a stronger financial foundation and start moving toward lasting freedom. KEY POINTS 00:00 Introduction 02:25 The Statistics Revealing How Many Americans Are One Emergency Away From Financial Trouble 04:41 Why Making More Money Without a Plan Can Leave You Broke at a Higher Income Level 07:08 The Three Root Causes Keeping Smart, Hardworking People Financially Stuck 11:50 The Four Money Mistakes That Keep People Trapped in the Paycheck-to-Paycheck Cycle 19:09 The Three Moves Anthony Used to Start Building Financial Freedom 19:58 Why a Written Financial Vision Is More Powerful Than a Dream in Your Head 21:12 How the Debt Snowball Creates the Quick Wins and Momentum Needed to Eliminate Debt 22:42 Why Anthony Now Recommends a One-Month Emergency Buffer Before Aggressively Paying Off Debt 23:58 How One Couple Eliminated $50,000 in Debt and Avoided Going Backward During an Emergency 27:02 How Eliminating Debt Allowed Them to Begin Investing and Build a Multimillion-Dollar Future 29:10 Why Your Financial Struggle May Be a Plan Problem, Not an Income Problem 33:58 Three Practical Money Moves You Can Make Within the Next 24 Hours QUOTES “Making more money and still having no plan just means you get to be broke at a higher income level.” “When you’re financing all of it, you are spending tomorrow’s money on today’s feelings.” “Hope is not a financial plan, because faith without action is not a financial plan either.” “We can’t win a game that we never wrote the rules for. So, if you want to win the money game, you have to write down your money rules.” “It’s about buying yourself time so you don’t have to make a desperate decision.” “You don’t have a money problem. You have a plan problem. You don’t have an income problem. You have a strategy problem.” 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. Mentioned Here: - Pre-order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book - Download the In The Black App (your daily money coach): https://www.anthonyoneal.com/intheblack - Find the best High-Yield Savings Accounts: https://www.anthonyoneal.com/savings 📅 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
The $2,200 Savings Crisis Facing Black America: Jobs, Wealth & Homeownership with Dr. Wes Bellamy
Black America is facing a financial crisis that goes far beyond income. Dr. Wes Bellamy joins Anthony O’Neal to unpack the troubling data surrounding Black unemployment, education, savings, earnings and homeownership. With the median savings for Black men sitting at just $2,200, one emergency could wipe out everything. Anthony and Dr. Bellamy discuss why Black men and women need each other financially, what is driving young Black men away from education and employment, and how discipline, strategy and ownership can create a different future. They also confront the online narratives discouraging homeownership and explain why protecting assets, increasing earning power and building together are essential to creating financial freedom for the next generation. Download and read Dr. Wes Bellamy’s report: The Economic State of Black Men and Boys in the United States KEY POINTS 00:00 Introduction 03:07 The Unemployment, Education and Financial Statistics That Alarmed Him Most 06:56 Why Black Men and Women Must Work Together to Build Financially Stable Households 08:56 Why $2,200 in Median Savings Is Not Enough to Survive a Real Emergency 13:40 The Declining Presence of Black Men in Higher Education and Why College Still Matters 19:50 Where Young Black Men Are Going When They Are Disconnected From College, Trades and Work 24:01 How Insecurity and the Path of Least Resistance Prevent Men From Progressing 28:00 The Racial Earnings Gap and Four Moves Black Men Can Make to Increase Their Earning Power 33:09 The Habits, Discipline and Sense of Purpose That Position People to Earn More 42:26 Why Closing the Black Homeownership Gap Is Essential to Building Wealth and Legacy QUOTES “Brother, you got to figure out a way to be able to be sustained, and then how to thrive even in the midst of this chaos.” – Dr. Wes Bellamy “What we can do is equip ourselves with the information, the knowledge to be able to eventually either thrive in where you are—that may not be fair—or figure out how to go and start your own thing.” – Dr. Wes Bellamy “The quickest way for us to devalue ourselves is to give away our financial pathways to freedom.” – Dr. Wes Bellamy GUEST RESOURCES Dr. Wes Bellamy IG | https://www.instagram.com/dr.wesbellamy/ 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
The Most Dangerous Payment In America (I Stopped 15 Years Ago!)
You already have $1,200 a month sitting in your driveway. You just don't know it yet. In today's episode, I break down exactly what one truck payment is really costing a family every single month, and it's not the number on the loan. Family, do me a favor. Before you watch anything else today, ask yourself what's really parked in your driveway, and whether it's moving you toward freedom or just moving your image forward. If this episode gave you clarity, that's the whole mission of this show. We are building toward 1 million E3 family members who are done living paycheck to paycheck and ready to build real wealth. Hit subscribe and turn on notifications so you never miss a truth or a move. Get the full plan, including the debt snowball and the five-phase Escape Plan, in my new book Stop Living Paycheck to Paycheck: https://www.anthonyoneal.com/book Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy
$900 Paycheck, $6.32 Left, 48 Hours to Go (True Story)
I had $6.32 to my name. Not in one of several accounts, in my only account. This is the night that started my story instead of ending it. Before you judge that number, I need you to know something. If you've ever smiled at work while your bank account told a different truth, this episode is for you. I'm walking you through the exact night at the gas station, the McDonald's order I cut in half with a kitchen knife, and the moment everything shifted for me at 20 years old. Then I'm showing you why free is better than rich, and what I want you to do about your own version of this story starting today, not someday. Timestamps: 0:08 – The night I had $6.32 to my name 1:14 – Pulling into the gas station with an empty tank 2:04 – The exact balance: $6.32 2:38 – 48 hours until my next paycheck 3:02 – The gas station trick nobody tells you about 3:41 – McDonald's: two double cheeseburgers, two sweet teas 4:23 – Cutting the burger in half with a kitchen knife 4:51 – "I can't even afford a meal at McDonald's" 5:48 – Why I wrote Stop Living Paycheck to Paycheck 6:46 – It's not normal, and it's not who you are 7:22 – Freedom is better than being rich 8:58 – The one sentence I need you to write tonight 9:29 – The book that came from a gas station parking lot 11:47 – Order your copy today Family, we are building something bigger than a channel. Our goal is 1 million strong in the E3 family, people committed to getting out of debt, building real wealth, and living free on any income. If this episode moved something in you, hit subscribe and bring somebody with you who needs to hear it too. Whatever your version of my $6.32 night has been, it doesn't have to be where your story ends. It doesn't have to be where your children's story begins either. 🔗 Get the 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
Single and Financially Behind? My 4-Part Plan to Build Wealth and Security on One Income
Building wealth on one income comes with a different kind of pressure. In this episode, Anthony O’Neal breaks down the four financial pillars every single person should focus on: income, safety, retirement, and legacy. From building a second income stream and setting financial boundaries to creating emergency savings, investing for retirement, and putting an estate plan in place, Anthony shares a practical plan for building financial freedom without waiting for marriage or a second paycheck. KEY POINTS 08:52 – The 4 financial pillars every single person should build. 09:16 – Your income is your entire financial engine. 12:55 – Your income is not a group project. 15:42 – Build financial safety when there’s no second income to fall back on. 22:39 – Build your retirement plan in the right order. 24:48 – Don’t enter marriage as a financial burden. 27:32 – Legacy planning isn’t only for married people with kids. 32:04 – Your stewardship doesn’t start when you get married. QUOTES “There's no spouse retirement account to fall back on later. Your account is the account.” – Anthony O’Neal “Your income is not a group project. This ain't dissing nobody. This ain't being different. This is what I call: love with structure. You cannot build your future while quietly funding everyone else's present.” – Anthony O’Neal “Stewardship is not just about what we do today. Stewardship is about what did we position to happen after we left.” – Anthony O’Neal “Legacy is a head start.” – 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
I have $23,000 Total In Debt — Which One Should I Pay Off First?
Most people are told to attack their debt in the "smartest" order — highest interest rate first. It's the math-correct move. So why do so many people who follow that exact advice quit before they ever get debt-free? In this episode, Anthony breaks down the real story of a couple juggling five debts — from a $400 medical bill all the way up to a $13,000 student loan — and what happened when they tried the "correct" method versus what actually got them results. Backed by a 2012 study of over 6,000 real households, this episode settles the debt snowball vs. debt avalanche debate for good, and explains why momentum — not math — is what actually gets people out of debt. IN THIS EPISODE, YOU'LL LEARN: - Why attacking your highest-interest debt first can actually cause you to quit - What a study of 6,000+ households found about who actually becomes debt-free - Why paying off a small debt fast can matter more than saving the most money - The exact order to list and attack your debts (no interest-rate math required) If you're tired of starting debt payoff plans and quitting in the middle, this episode will change how you think about where to start. And if you're ready for a full step-by-step plan, Anthony's new book, Stop Living Paycheck to Paycheck, walks you through the complete 5-phase debt-free roadmap — available now at 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
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
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
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
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
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
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
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
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
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