The Table with Anthony ONeal

What happens to your investments when the stock market crashes? And should you sell everything, hold cash, or keep investing? In this episode of The Table, Anthony O’Neal sits down with investing expert Courtney Hale to break down 5 stocks and ETFs that could help protect your portfolio during a market downturn. From Walmart and Coca-Cola to dividend and utility ETFs, Courtney explains how defensive investing works, why panic-selling can cost you thousands, and how to start building protection with just $100. They also reveal why missing just five of the market's best days could dramatically reduce your long-term returns, how wealthy investors prepare for economic uncertainty, and why protecting your money matters as much as growing it. The goal isn't to predict the next crash. It's to have a strategy before it happens. Mentioned Here: 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 📈 Start Investing Today: https://www.anthonyoneal.com/invest 🎙️ Have an…

A $500 course helped Rodney go from earning $41,000 in healthcare to a $120,000 construction career without a four-year degree, but the investment was only the beginning. On this episode of The Table, Rodney shares how losing his job, preparing for fatherhood and wanting to build a debt-free home gave him the purpose to follow through. He and Anthony unpack career training, interview preparation and why a bigger paycheck matters most when it creates ownership, family security and freedom. Mentioned Here: 🚀 Ready to make your next career move? Explore Course Careers at anthonyoneal.com/coursecareers. 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book KEY POINTS 00:00 – Introduction: Rodney’s $79K salary jump and career pivot 03:27 – Jobless with a baby on the way: the pressure to make a change 04:51 – A debt-free home became the goal behind his career move 13:39 – The $500 course that helped him break into a new field 17:00 – Why money alone wasn’t enough to…

In this episode, Anthony breaks down his five-phase escape plan to get out of the paycheck-to-paycheck cycle, eliminate consumer debt, build your Freedom Exit Number, invest consistently, and ultimately create a legacy. Using the example of a woman earning $60,000 a year with $43,000 in consumer debt, he shows how changing the order of your money can turn $1,700 a month in payments into money working toward your future. If you’re earning money but still don’t feel financially free, Anthony explains the order he believes can help you get your paycheck back, create margin and finally start building wealth that serves you and your family. Mentioned Here: - 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book - 🔵 Freedom Circle™ - Build your financial future with weekly coaching, accountability, and a proven roadmap: https://www.anthonyoneal.com/freedomcircle - 📱Download the In The Black App (your daily money coach): https://www.anthonyoneal.com/intheblack KEY…

What if the financial goal you’re chasing is actually costing you the life you’re trying to build? Anthony O’Neal gets personal about making $1 million in year one, $2 million in year two, and realizing he had no target, no finish line, and no idea what he was really running toward. In this episode, Anthony breaks down how to calculate your own financial number using the 300 rule, determine whether you can realistically get there, shrink the number by eliminating consumer debt, and decide what your life should look like once you reach it. Financial freedom isn’t about chasing more forever. It’s about knowing your number, counting the cost, and building a life where your money gives you back your time, family, faith, and freedom. Mentioned Here: 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 🔵 Freedom Circle™ - Build your financial future with weekly coaching, accountability, and a proven roadmap: https://www.anthonyoneal.com/freedomcircle Download the In…

A bigger paycheck can make you look successful, but it does not automatically make you wealthy. Anthony breaks down the difference between income and net worth, sharing how he once made six figures and still had nothing left by the end of the month. He explains how lifestyle creep, car payments, and consumer debt quietly eat every raise, then lays out the order for turning income into actual wealth: build margin, create a 3–6 month freedom fund, eliminate consumer debt, and start buying assets that work for you. Financial freedom isn't about how much money passes through your hands; it is about how much stays and what you do with it. Mentioned Here: 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 💰 Calculate Your Wealth Number: https://www.anthonyoneal.com/start-investing#calculator  KEY POINTS 00:00 – Introduction: Why a good salary and a strong net worth are not the same thing 03:49 – The number most people never track: what you own minus what you owe…

In this episode, Anthony breaks down the five rules he used to leave his career with money in the bank, including how to calculate your “freedom exit number,” why consumer debt can keep you trapped in a job you hate, and how paying off payments can shrink a seven-year exit plan to just 15 months. He also explains how to use your current paycheck to fund your next move, prepare for the benefits you’ll lose when you leave, and recognize the situations where your health or safety matter more than hitting the perfect number. The goal is not just to quit. It is to leave with peace, options, and a real plan for what comes next. Mentioned Here: 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 📄Get Life Insurance in 10 Minutes: https://www.anthonyoneal.com/lifeinsurance KEY POINTS 00:00 – Introduction: Anthony made six figures and still couldn’t afford to quit his job 00:00 – Calculate your “Freedom Exit Number”: 3–6 months of take-home pay 04:59 – Rule #1: Never…

Arian Simone joins Anthony O’Neal for a conversation on how she went from a financially savvy family and a profitable college business to living in her car at 23, and how that experience permanently changed how she thinks about security, debt, investing, and entrepreneurship. They unpack the lessons she inherited from generations of women who built wealth, why she believes access to capital matters, the mistake that taught her not to play small, and why real financial freedom is less about looking successful and more about having options when life goes left. KEY POINTS 00:00 – Introduction: Arian Simone joins Anthony on The Table 02:28 – From full-ride scholarships to living in her car at 23 05:35 – The grandmother who built wealth and paid for college debt-free 11:27 – Seven months homeless, rock bottom, and the faith that carried her through 13:19 – Why access to capital matters and the mission behind Fearless Fund 22:00 – Venture capital explained: cash, equity, and ownership 28:13 – The profitable…

If you owe more on your car than it’s worth, trading it in may not solve the problem. It can roll thousands of dollars of old debt straight into your next loan. In this episode, Anthony breaks down how car debt keeps people trapped, the three numbers you need to know before your next move, and four practical steps to decide whether to keep the car, sell it, close the gap, and eventually break the car-payment cycle for good. He also shares how he went from making six figures with nothing left before the end of the month to building a life where his cars no longer control his financial future. MENTIONED HERE 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 🚗Stop Overpaying For Car Insurance: https://www.anthonyoneal.com/carinsurance QUOTES: “A $4,000 car that you own beats a $44,000 car that owns you. Every single day of the week.” – Anthony O’Neal “Nobody out there was foolish. We were all optimizing for how it looked in the driveway instead of what it left…

If Anthony O’Neal had to start investing from scratch in September 2026, this is exactly how he’d do it. Anthony breaks down his simple 80/20 investing strategy, what he would do with his first $500, where to find extra money in your existing budget, and why waiting for the “perfect” time to enter the market could cost you years of growth. He also explains the order of accounts he would prioritize, how an emergency fund protects your investments, and how consistently investing just $107 a month could potentially grow into more than $250,000 over 30 years. This episode is a practical roadmap for anyone who wants to stop overthinking investing and start building real wealth with the money they have today. MENTIONED HERE 🚗Stop Overpaying For Car Insurance: https://www.anthonyoneal.com/carinsurance 📈 Start Investing Today: https://www.anthonyoneal.com/invest 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book KEY POINTS 00:00 – Introduction: How Anthony would…

Can you really buy a home with $0 down without putting yourself in a bad financial position? In this episode, Anthony sits down with Coalition Properties Group to break down how 100% financing works, what lenders actually want to see, and how to prepare yourself to buy within the next six months. They unpack credit scores, savings, debt-to-income ratios, PMI, tax returns and P&L statements for entrepreneurs, plus why writing everything off can hurt your ability to qualify. Anthony also shares how getting a second mortgage quote saved him $1,000 a month, and the group explains renovation loans, property management costs and how to know when owning more real estate is no longer worth the stress. MENTIONED HERE: 💸 Download my 5 free scripts to lower your monthly bills and put more money back in your pocket: https://www.anthonyoneal.com/5scripts 🎥 Ready to level up your content? Book your next shoot at https://www.neatnessstudios.com/ 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses):…

Saving money matters, but at some point, keeping too much cash in the bank can work against your financial goals. In this episode of The Table, Anthony O’Neal breaks down how much you really need in emergency savings, why inflation quietly eats away at idle cash, and what to do with the money you have above that number. He explains his three-tier emergency fund strategy, the difference between saving and building wealth, and why fear can sometimes disguise itself as financial wisdom. Anthony also opens up about his own experience hoarding cash instead of investing and why building wealth today is ultimately about creating freedom, security and a stronger legacy for your family. MENTIONED HERE: - 💸 Download my 5 free scripts to lower your monthly bills and put more money back in your pocket: https://www.anthonyoneal.com/5scripts - 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book - 💰 Find the best High-Yield Savings Accounts:…

Waiting to pay off debt is costing you more than you think. In this episode of The Table, Anthony O’Neal breaks down what carrying high-interest consumer debt can cost you every year, why avoidance and shame keep people stuck, and what that same money could become if it were redirected toward building your future. He shares his five-step plan for attacking debt, including calculating your “waiting tax,” using the debt snowball, finding margin in your budget, building an emergency buffer, and setting a real debt-free deadline. Financial freedom doesn’t begin when you finally have enough money. It begins when you decide to stop waiting. Mentioned Here: - 💸 Download my 5 free scripts to lower your monthly bills and put more money back in your pocket: https://www.anthonyoneal.com/5scripts - 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book - 🔵 Join The Freedom Circle™ for weekly coaching, a proven financial roadmap, and a community to help you follow through:…

Social media is full of people promising fast money, six-figure months and millionaire lifestyles. Anthony O’Neal says the numbers tell a very different story: Americans can earn well and still have little margin, heavy debt and no real financial security. In this episode, Anthony steps into professor mode to break down his five-phase Escape Plan for building financial freedom in the right order. Using the real-life example of a 34-year-old earning $6,000 a month but spending $6,400, Anthony walks through how to create margin, eliminate consumer debt, build an emergency fund, invest consistently and prepare a legacy that protects the people you love. The goal isn’t to look rich. It’s to build a financial life strong enough to give you freedom, security and options. Mentioned Here: 📖 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 KEY POINTS 00:00 – Introduction…

In this episode of The Table, Anthony O’Neal breaks down the jobs facing the greatest exposure to AI, why he believes this shift is already happening, and how everyday investors can think about getting on the wealth-building side of the transition. He shares five AI-related stocks under $100 at the time of recording, including one under $10, plus two ETFs for investors who would rather spread their risk across multiple companies. But Anthony isn’t saying to chase hype. He walks through the financial foundation you should have in place before investing, how to approach higher-risk stocks without gambling your paycheck, and four questions to ask before putting your money into any AI investment. The goal is simple: prepare for disruption, protect what you’ve built, and position yourself for the opportunities on the other side. Mentioned Here: 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 📈 Start Investing Today: https://www.anthonyoneal.com/invest KEY…

In this episode, Anthony O’Neal sits down with Courtney Hale to break down his five-part ETF portfolio and explain how ETFs work, why overlapping funds may not provide real diversification and how everyday investors can build a portfolio designed for growth and protection. They also discuss starting with what you can afford, reviewing your portfolio every six months and avoiding the FOMO that causes investors to chase every new opportunity. *ETF prices and market information reflect the time of recording and may have changed. Mentioned Here: 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 📈 Compare Investing Platforms and Buy Your First ETF: https://www.anthonyoneal.com/invest KEY POINTS 00:00 – Introduction 01:41 – How ETFs simplify investing and why overlapping funds can create overconcentration 03:06 – Why investing should be automated every payday 04:22 – The five jobs in Courtney’s Everyday Investor Portfolio 06:28 – Why beginners should focus on…

Should married couples combine finances, or does keeping money separate offer more protection? Anthony sits down with Durelle and Samantha Bailey - Entrepreneurs, Content Creators, and Hosts of The Bailey Way, to discuss the trust, communication, and shared vision required to build wealth as a team. After nine years of marriage, Durelle and Samantha reveal why love alone is not enough, how they built six figures in savings and investments by age 31, and why almost every account they own is joint. They also break down their weekly money meetings, personal allowances, major purchase decisions, and plans to create financial options for their daughter before she is even born. KEY POINTS 00:00 – Introduction: Why love alone is not enough to sustain a marriage 03:47 – How respect and trust guide financial decisions 05:18 – Building wealth around one shared family vision 09:27 – How they saved and invested six figures by age 31 13:55 – Should successful women protect or merge their assets? 17:04 – Why income alone…

In this episode, Anthony O’Neal reveals the investing mistake that cost him money, time, and stress. He breaks down his move toward index funds, automation and long-term consistency, including how waiting 10 years to invest could mean the difference between roughly $1 million and $400,000. Anthony also shares what should come before aggressive investing and walks through the 5-step system he uses to eliminate financial anxiety, build a strong foundation and turn investing into a tool for greater freedom, peace and control. Mentioned Here: 📖 Pre-order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 📈 Start Investing Today: https://www.anthonyoneal.com/invest KEY POINTS 00:00 – Introduction: Why Anthony changed how he invests 03:05 – The BlackBerry mistake that cost Anthony real money 06:11 – Why Anthony switched from individual stocks to index funds 08:28 – How consistency beats clever investing 10:48 – Why Anthony changed investing platforms 18:43 – Starting at…

Anthony O’Neal breaks down five careers that can pay $80K or more without a college degree, including one with a national median salary of $106,580. But “no degree required” does not mean no investment required. Anthony reveals the training, licensing, risks and starting-pay realities hidden behind the salary headlines, then shares five questions to ask before choosing a new career. Learn how to pursue a higher income without mistaking a promising opportunity for an easy shortcut, and how to choose a path that supports your financial freedom. Mentioned Here: 📖 Pre-order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 💼 Train for a High-Paying Career Without a College Degree: https://www.anthonyoneal.com/tradeschools KEY POINTS 00:00 - Introduction 05:03 - Median pay vs. starting pay 06:54 - The real cost of skipping college 08:25 - Job #1: Elevator and escalator repair 11:35 - Job #2: Power plant operator 13:38 - Education, earnings and alternative career paths…

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…

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…

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

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 –…

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…

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)…

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…

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:…

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…

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:…

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:…

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 -…

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…

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…

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…

Most people hear "$1.46 million" and give up before they even start. That number just went up $200,000 in ONE year — and it's stealing your hope before you even try. But here's the truth: you don't need that number. You need a plan. In this episode, I'm breaking down exactly what to do — no matter your age, your income, or how far behind you feel. Whether you're 25 or 55, this is your retirement roadmap. In this video you'll learn: - Why the $1.46M number is misleading millions of Americans - The real retirement number YOU actually need - A step-by-step action plan by age (25, 35, 45, and 55) - How to start building wealth with as little as $50/month - Why you can NOT count on Social Security or an inheritance - The one mistake that keeps most families broke for generations Your Retirement Roadmap: ✅ Write down your retirement vision — tonight ✅ Track every dollar for 30 days ✅ Set up an automatic transfer — even $10 counts ✅ Open or increase your retirement account ✅ Make one extra debt payment this week ✅…

She was 28 years old, making $72,000 a year, current on every single bill — and she sat across from me and cried. Not because she was broke. Because she did everything right and had nothing to show for it. No savings. No investments. Just a pile of payments that felt like chains. That moment changed how I talk about money forever. The truth is — most of us are following a blueprint that was never designed to build wealth. It was designed to survive. And the people who handed us that blueprint? They loved us. But love doesn't make a belief true. In today's episode, I'm breaking down the 3 beliefs your family passed down that are quietly destroying your chances at real financial freedom — and exactly what to do instead, no matter how old you are or where you're starting from. In this episode: Why doing everything "right" can still leave you broke The 3 inherited money beliefs that are keeping your family stuck Why debt is a choice, not a fact of life How silence about money is a generational tax on your family…

At 23, I bought a car I couldn't afford to impress people who don't even call me anymore. When I add up the payments, the insurance, the interest, and the opportunity cost of what that money could have become — that one decision cost me close to $200,000. Not in cash. In wealth I never built. And that car was just the beginning. The apartment. The clothes. The trips. The dinners. Every dollar I spent performing wealth was a dollar that never got to actually become wealth. In this video I'm giving you the 5 lessons I wish someone had told me at 25 — because if you're in your 20s, 30s, or even 40s, this information can change the trajectory of your financial life. What we cover: - Why your spending is not a money problem — it's an identity problem - Why making more money will NOT fix your finances (it will amplify the problem) - The real cost of waiting to invest — and the math that will shake you - How the people around you are quietly shaping your financial behavior - The difference between building YOUR…

Are you 40, feeling behind, and wondering if it's too late to start over financially? It's not. Here's exactly what I would do — step by step. In this video, I'm breaking down the real plan I would follow if I was 40 years old starting from zero in 2026. No theory. No fluff. Just a honest, step-by-step system built for the person who feels like life got ahead of them — but refuses to stay there. Here's what we cover: ✅ Why the math is NOT against you at 40 ✅ Step 1 — Stop the financial bleeding (write it ALL down) ✅ Step 2 — Build your $2,500 emergency buffer FAST ✅ Step 3 — Attack every single debt with everything you have ✅ Step 4 — Build your full 3–6 month emergency fund ✅ Step 5 — Invest 15% like your future depends on it (because it does) ✅ Why starting at 40 is actually an advantage ✅ The story of Denise — 43 years old, $47K in debt, two kids, and what happened 14 months later ✅ What your kids are really watching when you stay idle ✅ How to break a generational cycle — starting this week This is not…

I taught debt freedom for 15 years. I was wrong about one thing. Getting out of debt is not the finish line. It never was. I sat in my apartment — 100% debt free for the first time in my adult life — and felt completely lost. No wealth plan. No investment strategy. No legacy framework. Just zero debt and zero direction. Nobody taught me what came next. Not my school. Not my family. Not the financial system. And that silence cost me years. This episode is for everyone who crossed the finish line and felt empty instead of full. For everyone working toward debt freedom right now, wondering "then what?" For every parent doing better than their parents did — but not sure if it's going to be enough for their kids. Here's what I break down: - Why debt freedom is the starting line, not the destination - The 3 Phases of Financial Freedom (and why most people never make it past Phase 1) - The AO Legacy Framework — Protect, Grow, Transfer - Why getting out of debt with a survival mindset will sabotage your wealth every…

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

About half of my college students shouldn't even be in my classroom. I say that as a professor at an HBCU — not from a cheap seat, but from the front of the classroom. Here's the truth nobody wants to say out loud: a 4-year degree is NOT the right path for every single person. Some of y'all are walking out with $40,000 in student loan debt for a path that was never built for who you are. In today's episode, I'm breaking down 5 skills that pay $5,000+ a week, cost less than ONE semester at a state school, and can be learned in 90 days or less. These jobs are bulletproof — they can't be done remotely, can't be offshored, and AI can't replace them. Whether you're 17 trying to figure out your next move, 35 stuck at a job that doesn't pay enough, or 50 wondering if it's too late — this episode is for you. If you're a parent watching this, please listen carefully. If your child is gifted with their hands, don't push them into a 4-year university just because that's what your generation valued. That's not love.…

On this episode of The Table with Anthony ONeal, George Kamel joins us to share insights from his transformative new book, Breaking Free From Broke. George reveals his journey to becoming debt-free, offering a powerful example of how an everyday person on an average salary can achieve financial independence. By following this path, George became a net worth millionaire, demonstrating that true financial freedom is within reach for everyone. His story is a blueprint for changing not just your financial situation, but your family's generational legacy. Tune in to learn how you can take control of your finances and create lasting wealth for generations to come. 📙 Order George's Book Today: https://ter.li/f2qljj Mentioned On Today's Show: 🤝 Chime: https://link.anthonyoneal.com/chime 📱 George Kamel: https://www.instagram.com/georgekamel/ ▶️ George Kamel's YouTube: @GeorgeKamel ❇️ EveryDollar: https://shorturl.at/TQ7BM 📔 Pre-order My New Book: https://www.anthonyoneal.com/book 💰The New Millionaire Masterclass:…

If you're the first person in your family to save $1,000 — stop everything and watch this. Most financial advice skips the most important step. Not because it's complicated. Because it was never written with OUR community in mind. In this video I'm breaking down 5 moves — in order — that turn your first $1,000 into the beginning of generational wealth. These aren't generic tips. This is the framework I wish someone had handed me when I was in your exact position. Here's what we cover: ✅ Move 1 — How to protect your $1,000 from the threats nobody warns you about ✅ Move 2 — Where to position your money so it works while it waits ✅ Move 3 — The move most people skip (and why it destroys first-generation wealth builders) ✅ Move 4 — How to make your $1,000 multiply without needing to be a financial expert ✅ Move 5 — The Legacy Declaration that makes all 4 moves permanent This isn't just about $1,000. It's about who your family becomes because of what you decide to do today. 📌 Resources mentioned: → Best…

Everyone is talking about SpaceX. But nobody is telling you the truth about what to do next. In this episode, I sit down with investor and financial educator @Courtney-Hale to break down exactly what happened with the SpaceX IPO, why you should NOT buy it right now, and the 3 ETFs that let everyday people invest in private companies BEFORE they go public. If you've been feeling like you missed out — this episode is for you. In this episode we cover: - What SpaceX actually is (and the 3 companies living inside it) - Why buying SpaceX right now could be a mistake - The truth about who got rich BEFORE it went public - Why the rules were changed just for SpaceX - How to get into the NEXT SpaceX before it goes public - The 3 ETFs you need to know about RIGHT NOW Mentioned In Today's Show: - Open your investment account to start buying these ETFs: https://www.anthonyoneal.com/invest - Grab My brand new book — Stop Living Paycheck to Paycheck: https://www.anthonyoneal.com/book **Make sure to subscribe and join…

You've been doing everything right. Good job. Paying bills. Staying out of debt. And still — something doesn't add up. That's not an accident. In this video, I'm breaking down the 5 real differences between people who build wealth and people who work hard their entire life and have nothing to show for it. And I'm going to tell you something nobody in finance wants to say out loud: The system you were handed was never designed to make you wealthy. It was designed to keep you comfortable enough to never ask bigger questions. Work hard. Stay in your lane. Buy the things that make you feel like you're winning. That's the trap. And until you see it clearly — you will keep doing everything right and going absolutely nowhere. I've been there. I got my biggest raise and ended up overdrawn the same week. More money coming in than ever. Less than I'd ever felt. The problem wasn't my paycheck. It was that nobody had ever shown me what direction to point it in. That changes today. In this video you'll learn: → Why your…

I went from $6.32 in my bank account at 25 years old to a net worth millionaire — and in this video, I'm giving you the 6 things that changed everything. No theory. No Wall Street talk. Just the cookie jar on the bottom shelf truth that nobody taught us about money. If you're tired of living paycheck to paycheck, drowning in debt, or watching your money sit in a savings account that's robbing you — this video is for you, family. 📲 Download the In The Black App: https://www.anthonyoneal.com/app 📖 Pre-order Stop Living Paycheck to Paycheck: https://www.anthonyoneal.com/book 💰 High-Yield Savings Accounts: https://www.anthonyoneal.com/savings 📊 Start Investing: https://www.anthonyoneal.com/invest 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,…

Anthony O'Neal went from sleeping in his car and cutting a cheeseburger in half to make it last, to becoming a net worth millionaire who closed on the biggest home of his life. The difference was never income. It was one belief he had to break, and three shifts that changed everything. In this episode you will learn: - Why income does not fix poor money behavior (even 20% of households making over $150K live paycheck to paycheck) - Why you cannot build wealth while drowning in consumer debt - Why wealth is a behavior long before it shows up as a balance - The 5-phase Escape Plan that took Anthony from broke to free Plus the powerful story of a woman in our community who walked into her boss's office and resigned with $200,000 in the bank so she could care for her mother. That is what real freedom looks like. Anthony's brand new book, Stop Living Paycheck to Paycheck, releases August 25. Pre-order today and get over $275 in free bonuses, including early access to the first chapter, the 21-Day Money Challenge,…

Family, if you're tired of living paycheck to paycheck heading into 2026, this video is going to change your life. I'm breaking down the 8 things our community needs to STOP buying right now if we want to build real wealth, get out of debt, and break generational cycles for good. These aren't generic financial tips. This is real talk for real families — covering everything from TikTok Shop addiction to how we're setting our kids up to fail with $200 Jordans instead of $200 in their college fund. If even ONE of these 8 hits home, you owe it to your future to keep watching. 🔥 PRE-ORDER MY NEW BOOK & GET $275 IN FREE BONUSES Stop Living Paycheck to Paycheck: The Proven Path to Break Free from Debt, Build Real Wealth, and Live Free on Any Income 👉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…

In this video, I'm breaking down the EXACT 3 ETFs you need to build real, lasting wealth — even if you only have $5 to start. No picking stocks. No watching CNBC. No finance degree required. I'm pulling back the curtain on what wealthy people have been doing for decades (and never told us about), plus the ONE mistake quietly costing investors thousands of dollars every year. By the end of this video, you'll know: ✅ Why your savings account is secretly making you broke ✅ What an ETF actually is (cookie jar on the bottom shelf explanation) ✅ The 3 ETFs that build generational wealth ✅ The order to follow BEFORE you invest a single dollar ✅ How to take your first step — even with $0 This is the strategy I wish someone showed me when I was 25, sleeping in my car with $6.32 in my bank account. Today, it's the foundation of how I built real wealth — and it's the same strategy I'm teaching thousands of families inside my brand new book. 🚨 PRE-ORDER MY NEW BOOK 🚨 Stop Living Paycheck to Paycheck: The Proven Path to…

Every generation gets one shot. One shift that separates the families who build generational wealth from the families who watch it happen from the sidelines. Your parents' generation had the housing boom. The next had the internet. Right now, we are standing at the very beginning of the AI revolution, and here is the hard truth: only the people who are positioned get to take advantage of it. In this episode, I am not giving you a tech conversation. I am giving you a wealth conversation. I walk you through the exact three-level plan to get positioned so that when the door opens, and it is already opening, you can actually walk through it instead of watching someone else walk through it for you. LINKS AND RESOURCES MENTIONED IN THIS EPISODE: - Pre-order my new book, Stop Living Paycheck to Paycheck (get $255 in free bonuses): https://www.anthonyoneal.com/book - Get the In The Black app, your number one money coach in your pocket: https://www.anthonyoneal.com/app - Open a high-yield savings account:…

Stop wasting your paycheck. Buy these 10 things FIRST before 2026. Friday hits, the deposit lands, and by Monday it's gone. Sound familiar? In this video, I break down the exact 10 purchases wealthy people make before anything else — the ones that separate them from the 78% of Americans living paycheck to paycheck. *Get started with Plus500! Practice with a FREE demo account or kickstart your trading with a BONUS of $30 when depositing at least $300, using the code: AO30 The bonus is valid for 90 days. T&Cs apply. 👉 https://www.anthonyoneal.com/plus500 Trading futures involves the risk of loss and is not suitable for every investor. Mentioned In Todays Show: 📕 PRE-ORDER MY NEW BOOK — Stop Living Paycheck to Paycheck: anthonyoneal.com/book (Get $275+ in FREE bonuses!) 📱 DOWNLOAD THE IN THE BLACK APP — Your AI Money Coach: anthonyoneal.com/app 💰 HIGH-YIELD SAVINGS ACCOUNTS (Updated Weekly): anthonyoneal.com/savings Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out:…