Anthony O'Neal - #1 Bestselling Author & Fmr Ramsey Show Co-Host | The Debt-Free Millionaire Who Thinks Most Rich People Are Trapped

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Freedom is the goal.

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What does that mean?

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I believe that freedom is better than being rich because I know a lot of people who have a lot of money, but they're not free.

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I want to be able to do what I want to do, when I want to do it, with whomever I want to do it with, and go wherever.

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Today's guest is Anthony O'Neill, a best-selling author, personal finance expert, and host of The Table with AO.

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He helps people get out of debt, build wealth, and break generational financial struggles.

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In this episode, we're talking about financial freedom,

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making smarter money decisions, and building a life beyond just getting rich.

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I think a lot of people focus on money first and they focus on life satisfaction last.

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Where were you at in your life when that was happening?

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Man, I was selling cars and I was a bill collector.

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It was paying the bills, but it wasn't giving me a lifestyle that I desired.

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We were just trying to focus on how can I make the most money, but not how can I put you in the best situation for your situation?

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What's the healthier way to look at money?

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Money is a tool to help me get to where I want to go

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It is one of the tools in our toolbox to build the kind of life that we desire.

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My fitness pal is a success story partner.

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Now there's this thing that happens when you start paying attention to what you eat.

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And I think we can all agree that we want to care about our health and our wellness and our nutrition.

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But more often than not, we just kind of think we eat clean.

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We think we eat healthy, but we're not really, really paying attention to every single meal and what makes up every single meal.

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But it's not.

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Just by paying attention and starting to log and track what you eat, you start making better choices without really trying.

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And that surprised me because when I first started using the MyFitnessPal app, and I've been using it for a while now, it's a nutrition tracking app, and I started logging what I was eating, it started showing me my macros, which means how much protein, carbs, and fats I was getting.

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And then I started to understand why some days I felt good, high energy.

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Some days I felt like garbage because those three things, proteins, carbs, fats, that's what your food is made out of.

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And the balance between them affects everything.

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So my Fitness Pal app truly changed my life when it came to managing my food, which managed and helped everything else.

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Now, on the premium version of the app, it breaks down those numbers by meal.

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So not just seeing one calorie number for the day, I can see what's happening at breakfast versus lunch versus dinner, where my protein actually lands, whether I'm eating enough earlier in the day or piling everything on at night.

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And all of a sudden,

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When I'm crashing at 3, 4 p.m., well, I can take a look and see it's not so surprising anymore based on what I ate or what I didn't eat.

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So that's what I mean when I say that MyFitnessPal is a great app for awareness.

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It's not obsessive.

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It's not stressful.

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It's not time consuming.

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It's actually the opposite.

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Guessing is stressful.

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When you have all the information, the food you eat, your nutrition becomes way easier to keep up with.

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Also, a lot of people stress out that logging food is going to be very time consuming.

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It's not.

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And if it was annoying, I'd stop.

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But what I love about the app is that they've made it super, super simple.

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They've removed all friction in food logging, right?

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They have the largest food database out there.

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So whatever I'm eating is already in it.

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I can voice log so I can just say what I'm eating.

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They have a barcode scanner that handles all the package stuff.

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They have a tool called meal scan, which lets me point my camera at my plate and it breaks down all the macros and then logs it for breakfast, lunch, dinner, whatever.

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And the app remembers my regular meals.

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And I'm really just in and out of the app in seconds.

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And on top of that, it connects with over 40 fitness apps and wearables.

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So my workouts, my nutrition, they're all in one place.

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See, food is the foundation of everything.

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your energy, your sleep, your weight, your recovery, your performance at work, at home.

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And I really believe that when you start to pay attention to what you eat, every single part of your life improves.

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And to be honest, for me, it's the most useful tool because when I see the information, when I see what I'm eating,

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and I feel the effects of having good nutrition and good food at the right time, the decisions on what to eat become obvious.

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Not because someone told me to eat better, it's because I have the data.

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And the data makes it super, super easy to stay on track.

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So please do yourself a favor, go to podcast.myfitnesspal.com and use code SCOTT.

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That's S-C-O-T-T, all uppercase letters, for 15% off MyFitnessPal Premium.

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That is podcast.myfitnesspal.com, code SCOTT for 15% off.

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My fitness pal premium.

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The most important, in my opinion, idea and quote you've ever said, it's so simple.

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Freedom is the goal.

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What does that mean?

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You know, I've coined this phrase of I believe that freedom is better than being rich.

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Because I know a lot of people who have a lot of money, but they're not free.

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But I don't know a lot of people who who are free and don't have some sort of financial wealth, if that makes sense.

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And I think that for me, freedom is the goal because I want to be able to do what I want to do.

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when I want to do it with whomever I want to do it with and go wherever.

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Right.

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And so I think oftentimes this culture and this community is chasing money, money, money.

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And if I'm being honest, Scott, man, I'm, I'm single today because I was chasing money.

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Um, I, I, I,

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There's a lot of things missing in my life because I wasn't free.

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And I thought chasing more money will give me the things that I desire in life.

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When the fact, but the truth of the fact is I actually lost more chasing more money.

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And so, man, my message is real, is really about how do I get you from struggling financially to freedom?

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Now, freedom for you may look different than freedom for me.

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You know, freedom for us may look different from freedom from your team that's here with us today.

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So it's like for me, I want everyone to understand what is your definition of freedom?

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Freedom for me is, man, my parents didn't have a wedding.

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You know, my mom and stepdad actually had a, they got married south of the border in between North Carolina and South Carolina.

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I want to be able to give my wife that.

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Freedom for me is my...

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Growing up, we didn't have vacations.

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We didn't go out of the country or go on family vacations with my parents because they had to work two jobs just to pay the bills.

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So they couldn't afford to take a week, two weeks off and take all the kids to out of the country.

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I want to be able to take my family out of the country, man.

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You know, another example is.

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I didn't really see my parents date like that.

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You know, they didn't have like every single week or every other week.

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Hey, this is our day for you and I.

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And I want to be so free that, man, every Friday or every Monday or whatever day that is, that's me and my wife's day.

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And then every at least Saturday or every Sunday or whatever that is, that's family day and that's father and children day.

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So freedom to me, man, this is whatever, whatever I desire it to be.

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And you don't have to have a million dollars.

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$100,000.

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It's whatever you decide it is.

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Go after it.

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What's crazy is so many people make so much money and they're still not free.

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And I was just thinking about, so your book that dropped August 25th, Stop Living Paycheck to Paycheck.

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When you think of the term, like stop living paycheck to paycheck, you think that somebody's not making money, is working some entry level job.

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I was just reading on LinkedIn a story, very nerdy, but whatever, of this couple that they make a million dollars a year, and then they broke down all of their expenses, and with a million dollar a year income, they were still spending more than they were making.

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So that million-dollar-a-year couple, lifestyle creep, the private schools, the mortgage, the shopping at the bougiest grocery store, they're still living paycheck to paycheck.

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So it's not about how much money you make.

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And I think that that's lost on a lot of people.

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A lot of very successful rich people that are stressed out financially because they still haven't figured out how to be free.

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Now, they haven't figured out how to be free, but let's go deeper.

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The reason why they're not free is because they have no margin in life.

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I always say this is two things.

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Income teaches me how much money you make.

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Margin shows me what you can build and have.

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And so 49% of individuals who make over $100,000 are living paycheck to paycheck.

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That is to me, that is crazy as hell.

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That how in the world are you making minimum $8,333 a month to up to $100,000 if you're a millionaire and you're still living paycheck to paycheck?

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It's because they don't have any margin.

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One of the very first things that I have written on the very first day of my class, I'm a professor at Virginia University in Richmond, Virginia.

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And day one, I write on the board, margin.

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Tell my students, hey, by the end of this semester and these next 16 weeks, you should be able to leave out of here and understand the importance of this word.

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What do you mean?

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I don't care how much money you make.

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If you don't have any margin, you don't have any freedom.

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I don't care how much your pay raise is.

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If you don't have any margin, you don't have any freedom.

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I think one of the most shocking stories for me was.

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And I move with integrity, too, so I want to say too much to kind of give it away.

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But there was this huge name makes close to about 16 million dollars a year.

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And this particular individual only had at the end of that year, one hundred and thirteen thousand dollars to their name.

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But when I looked around houses, cars, entourage, expenses here, expenses there.

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And the very first thing I told this particular individual is we got to get you some margin.

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And so that is something that I live and I stress.

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And Scott, people get upset when I say it.

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This is why I don't do debt.

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This is why I don't believe in borrowing any money, because the more debt that you have, the less margin that you have.

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And I want to be able to keep the majority of my money for me and my last name and my legacy.

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So what's wrong with the popular prevailing money advice?

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I mean, a lot of it.

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I mean, one of the most popular things which pisses me the heck off is leverage other people's money.

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That's how every—outside of Ramsey, who's, like, got famous from doing this, and now yourself, who's also talking about no debt.

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Everyone else is talking about leverage and borrowing and debt.

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I mean, you know, and I'll say this.

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This is the first time I've said it on your podcast.

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I wish half of them would just really shut up.

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And I would love to challenge some of them to come have a real honest conversation with me on my podcast.

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I come on their podcast and have this conversation because me and my homeboy saw my just just the other day.

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Debt gives this.

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perception that, okay, you're going to keep the money that you have and nothing in your life will change financially for the entirety of this loan.

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So if you go out there and you finance this car at $700 a month for seven years, what that debt is saying is, oh yeah, you'll be good.

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Cause you want to keep your money the exact same for seven years.

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But what happens when COVID happened?

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Well, what happens when you lose a job?

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What happens when life happens?

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What happens when your spouse has something that's out of their control?

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Your money goes down, but that debt stays the same.

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And that bill collector still wants their money plus interest.

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And they ain't giving you no room to play with.

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And it's like, for me, why do we want to push debt on someone?

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Let's just look at the math.

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63 percent of individuals are living paycheck to paycheck.

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So we're going to tell that person to go leverage other people's money to get ahead.

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So wait, if I'm already living, let's say, for example, I make $5,000 a month.

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I got $5,500 going out and I listened to 90% of the financial advice that's online.

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Well, go get a credit card and use that.

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Well, that credit card now comes with a payment that goes on top of the $5,500 a month that I'm already paying.

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So I'm not saying debt is just this horrible thing.

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What I'm saying is this.

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If the majority of us are already living paycheck to paycheck, telling them to leverage other people's money is foolish and it is unwise.

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Now, do I believe there's a category of individuals, a sub small number of individuals who can take debt on and leverage that to build wealth?

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Absolutely.

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But I think that's maybe 10 percent of America.

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Well, what happens is you have people who listen to Robert Kiyosaki, who's a billion in debt.

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And they're paycheck to paycheck.

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And he's built an empire for himself on debt and he's killed it, but.

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Not gonna knock him.

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If you have no money and interest rates change or anything, you get laid, forget interest rates change.

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So you get laid off.

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Man, listen, how do you service it?

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How do you pay it off?

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2020, 2025, 850,000, yet alone just African-American women were laid off.

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That's 850,000 people who had a car loan, who had this, who had that.

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And out of nowhere, they have no job.

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And rents do, leases do, mortgages do.

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Child support, not child support.

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Daycare is still due.

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I got to have somewhere to take my kids.

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So for me, it's when I listen to this financial advice that is still out there, and I'm like, y'all, listen.

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There's no guarantee that your income is going to stay the same.

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I'm an entrepreneur.

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And over the last six years, I've had some really good months, and I've had some horrible months.

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But I don't stress because I don't have any debt.

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I don't have any consumer debt.

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I do have a mortgage, right?

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I do have asset debt.

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But you have margin.

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But I have margin.

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And I have enough margin to last me up in six months to a year, right?

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But man, I get a little nervous when, like I literally just decided, me and you are recording this today, I literally just decided two months ago I'm paying off my mortgage within the next year and a half.

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By the end of next year,

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I want to be completely 100% debt free on my personal side of things because I just I don't want the liability.

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I don't want to be stressed.

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And let's just be honest, man.

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You know, you have a young lady.

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I don't know if you're married, but I know you have you have a partner.

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And one thing I do know.

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from the ladies that I talk to, not dating, but just from, you know, ladies in general, a lot of them say, man, Anthony, your method actually will help me become a better wife and a better mom.

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Because if you can take the stress off of me saying, I don't have to worry about bills because we don't have any bills.

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man, I'm going to love my husband even better.

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Like, I'm going to fully be in tune because there's nothing over me that's making me think, okay, wait, how are we going to pay this?

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How are we going to pay this?

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But wait, we got to pay this bill next week and we don't have it.

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And unfortunately, that's 63% of people in America today.

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And man, it bothers me when I hear that advice.

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And I don't attack nobody for their method, but I do believe that, man, make it make sense.

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Help me understand.

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How does your method help a single mother or a young man who's an entrepreneur watching us on the podcast right now want to build a business, but he doesn't have the capital, he doesn't have the margin, but he still has a dream?

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We got to start him somewhere different.

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You know, I don't think people understand

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If you've ever had no money in your bank account, which I've had many times in my life, and bills are due, you are not the same person.

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You are not.

223
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Bro, look at how good you look.

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I don't know if people know how old you are, but you're older than I thought you were because you look so, like, stress-free and rough.

225
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But in all seriousness...

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Like when you don't have money problems and when you don't have debt due and when you have a little bit of money to bank at that margin, life is just calmer.

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And then you show up better for your team, for your wife, for your husband.

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I think people vastly underestimate how important it is to just feel financially secure.

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And that I'm going to be risky.

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I'm a badass.

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I'm going to take out debt.

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I'm going to leverage myself.

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This is how you make wealth.

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Okay.

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But like you try, you try being, forget the fact that it's going to hurt you financially if things go sideways.

236
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Like it can ruin your relationship with your kids.

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People don't think about that shit when they take on a risky financial position.

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I think that's a mistake.

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It's a huge mistake, bro.

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And we got to change it.

241
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And that's why I teach what I teach.

242
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One of the ideas that you wrote about, which I think is really relevant for people for this podcast because they are so ambitious.

243
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The quote is, I spent years doing work that paid the bills, but didn't light me up.

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I think a lot of people focus on money first and they focus on life satisfaction last.

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Where were you at in your life when that was happening and what was going on?

246
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Man, I was selling cars and I was a bill collector.

247
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My very first job was a bill collector because I needed a job to pay bills.

248
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And keep in mind, I'm getting up every single day and I'm calling people, telling them they need to pay this car or we're going to sue them when I owe the same car that they owe.

249
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Wasn't passionate about that.

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But it was paying well.

251
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It was paying the bills.

252
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But it wasn't giving me the lifestyle that I desired.

253
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But it was keeping my lights on.

254
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It was keeping a roof over my head.

255
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It was keeping my car from being repoed.

256
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But every single day I woke up, man, I woke up stressed.

257
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I woke up like, man, this is whack.

258
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This is horrible.

259
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And then I transitioned and went into selling cars.

260
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And, man, I think that was the first time I ever made some real money in my life.

261
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I'm making $100,000 a year at 23, 24 years old.

262
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But I'm also lying to people.

263
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I'm also seeing a mother come in who's 75 years old, got an 820 credit score, but she only has a disability check of $650.

264
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But she wants to finance a car for her grandson, whose credit score was a 510.

265
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He makes decent money, but clearly he don't know how to pay his bills.

266
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So we said, OK, cool, mother, this is what we're going to do.

267
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We're going to put the car in your name.

268
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Car can't go into the son's name, but you got to pay $800 a month for this, bro.

269
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She only makes $600.

270
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But because she had an 820 credit score back in them days, you didn't have anything above a 700.

271
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You didn't have to have any proof of income.

272
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Just whatever we typed into the system, the bank would say, OK. We lied just to get a check, because back then we were buying cars for much cheaper because it wasn't that much competition because cars really weren't on the Internet like that.

273
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So we can jack up prices and we can really sell some cars.

274
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I mean, I'm I'm making, you know.

275
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$1,000, $2,000 off of cars, selling 20 to 30 cars a month.

276
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And I'll probably say half of them, man.

277
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We just, we weren't really doing people right.

278
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We were just trying to focus on how can I make the most money, but not how can I put you in the best situation for your situation.

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Life at the Speed of Play is a success story partner.

280
00:19:45.327 --> 00:19:48.309
Now, this is a book by Mark Pincus, the guy who founded Zynga.

281
00:19:48.330 --> 00:19:49.470
I've actually had him on the show.

282
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I met him in person.

283
00:19:50.932 --> 00:19:52.373
And Reid Hoffman wrote the foreword,

284
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calling him one of the best idea people in Silicon Valley.

285
00:19:55.734 --> 00:20:00.875
The book is Life at the Speed of Play, Launch Products People Love, about 170 pages.

286
00:20:01.155 --> 00:20:02.655
It's already a national bestseller.

287
00:20:02.936 --> 00:20:09.137
It's his framework for figuring out whether an idea is actually worth going after before you put serious time and money into it.

288
00:20:09.337 --> 00:20:12.958
Not theory, the way he actually does it, and he's repeatedly built successful businesses.

289
00:20:13.238 --> 00:20:14.999
On top of that, you can read it in a weekend.

290
00:20:15.179 --> 00:20:18.241
It can change your entire life and give you the right direction if you're an entrepreneur.

291
00:20:18.261 --> 00:20:24.905
So right now, if you go to getmarksbook.com slash success, you get two copies for $32, that's $16 each.

292
00:20:25.285 --> 00:20:31.629
Mark is paying for the second copy himself because he wants you to give it to somebody, a friend who's been sitting on an idea, someone who needs to push, whoever.

293
00:20:31.889 --> 00:20:34.510
That's getmarksbook.com slash success.

294
00:20:34.891 --> 00:20:37.372
Mark with a K, buy one, second one's free.

295
00:20:37.612 --> 00:20:39.413
My Fitness Pal is a success story partner.

296
00:20:39.593 --> 00:20:40.273
Now, a quick story.

297
00:20:40.293 --> 00:20:42.874
A few weeks ago, I was in the middle of a very heavy recording week.

298
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So five episodes back to back.

299
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By Wednesday, I could feel it.

300
00:20:46.875 --> 00:20:53.877
I felt tired and I pulled up my food log in the My Fitness Pal app and I could see why I felt tired.

301
00:20:54.077 --> 00:20:55.858
I was heavily under eating.

302
00:20:56.438 --> 00:20:57.859
I was not keeping up with my meals.

303
00:20:58.139 --> 00:21:00.740
My macros were all off on weeks like that.

304
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Staying on top of your fuel and your food and what you eat is the difference between being sharp on episode five and being flat.

305
00:21:07.842 --> 00:21:10.643
And that's the kind of thing you only catch when you're paying attention.

306
00:21:10.844 --> 00:21:14.885
And that's why I keep logging every single meal I eat in the MyFitnessPal app.

307
00:21:14.905 --> 00:21:16.666
It's not because I'm obsessing over numbers.

308
00:21:16.986 --> 00:21:22.428
It's not because I'm trying to diet because I'm trying to have an awareness about what I eat in the day.

309
00:21:22.688 --> 00:21:25.631
And the app makes it so easy to maintain that awareness.

310
00:21:25.711 --> 00:21:28.454
I can point my camera at a plate with meal scan.

311
00:21:28.795 --> 00:21:32.939
It'll tell me exactly what I'm eating, all my macronutrients, proteins, fats, carbs.

312
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There's an intermittent fasting tracker.

313
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If I want to intermittent fast, it keeps my eating window honest and it all syncs with my watch and all of my fitness apps and it just runs in the background.

314
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See, food is a foundation for energy, sleep, recovery, performance.

315
00:21:47.133 --> 00:21:49.916
It is the one input that you cannot skip.

316
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So do yourself a favor, track what you're eating.

317
00:21:52.959 --> 00:21:56.342
It'll make you feel better, perform better in everything that you do.

318
00:21:56.382 --> 00:22:02.928
Go to podcasts.myfitnesspal.com and use code Scott, all uppercase for 50% off MyFitnessPal premium.

319
00:22:03.228 --> 00:22:06.431
That's podcasts.myfitnesspal.com, code Scott.

320
00:22:06.751 --> 00:22:08.393
HubSpot is a success story partner.

321
00:22:08.553 --> 00:22:08.673
Now,

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Every entrepreneur, founder, CEO is listening right now needs to pay attention.

323
00:22:13.737 --> 00:22:14.478
I have a question for you.

324
00:22:14.778 --> 00:22:22.425
When a buyer asks AI for a solution or a product that your business sells, does your business come up?

325
00:22:22.705 --> 00:22:25.528
The answer is that most companies have no idea.

326
00:22:25.848 --> 00:22:32.672
They don't know if their name shows up in any of the AI tools, chat, perplexity, Claude.

327
00:22:33.093 --> 00:22:39.657
And by the time they find out, they have lost tons of traffic and tons of deals to someone who did show up.

328
00:22:40.037 --> 00:22:41.578
HubSpot AEO.

329
00:22:42.058 --> 00:22:49.363
It helps you show up in those moments with the right answers that your customers and your buyers are looking for when they go type in a question.

330
00:22:49.583 --> 00:22:50.764
It's before the first click.

331
00:22:50.824 --> 00:22:52.765
It's before they fill out some form on your website.

332
00:22:52.785 --> 00:22:53.926
It's before they fill out some form on your website.

333
00:22:54.066 --> 00:22:57.868
That is the moment that HubSpot AEO is built for.

334
00:22:58.228 --> 00:23:03.932
So if you want your company to show up in AI searches when your customer is looking, check out hubspot.com.

335
00:23:04.292 --> 00:23:07.994
They are the agentic customer platform for growing businesses.

336
00:23:08.434 --> 00:23:14.818
I think with a lot of people, I mean, it's degrees of, people have degrees of happiness with their job.

337
00:23:14.838 --> 00:23:18.120
In some cases they're doing shit where they're hurting people, not good.

338
00:23:18.980 --> 00:23:22.944
In some cases, they just hate their life and they're making a lot of money and they have golden handcuffs.

339
00:23:22.964 --> 00:23:24.506
They're not necessarily hurting people.

340
00:23:24.646 --> 00:23:25.147
That's a fact.

341
00:23:25.788 --> 00:23:29.792
I think that when people just start out, like the main focus is money.

342
00:23:30.593 --> 00:23:35.057
And I think that's the reason why businesses fail, why people are unhappy, why relationships.

343
00:23:35.698 --> 00:23:37.380
And it's all about money.

344
00:23:38.021 --> 00:23:38.281
So...

345
00:23:40.407 --> 00:23:43.048
What's the first principles when it comes to money?

346
00:23:43.108 --> 00:23:50.692
What's the healthier way to look at money so you don't make all of these career decisions, business decisions, poor relationship decisions?

347
00:23:51.112 --> 00:23:52.033
Where does somebody start?

348
00:23:52.053 --> 00:23:53.373
Because it's such a complex topic.

349
00:23:53.553 --> 00:23:55.934
I think the very first thing for me, I had to realize that money is a tool.

350
00:23:57.315 --> 00:23:59.696
Money is a tool to help me get to where I want to go in life.

351
00:24:00.096 --> 00:24:01.157
That's it.

352
00:24:01.357 --> 00:24:05.459
Once I understand it's a tool, then I'm like, okay, wait.

353
00:24:06.179 --> 00:24:07.340
If you give me a hammer...

354
00:24:08.432 --> 00:24:10.373
You tell me to go build something.

355
00:24:10.553 --> 00:24:13.235
I know what this hammer can do for me in that process.

356
00:24:13.835 --> 00:24:14.036
Right.

357
00:24:14.716 --> 00:24:17.318
But I need more than a hammer to build a house.

358
00:24:18.418 --> 00:24:19.539
But this hammer is a tool.

359
00:24:20.460 --> 00:24:30.526
And I think money, when we can realize that it is one of the tools in our toolbox to build the kind of life that we desire, probably one of the most important ones.

360
00:24:30.586 --> 00:24:30.806
Right.

361
00:24:30.846 --> 00:24:35.129
To then I think you look at money differently before.

362
00:24:35.189 --> 00:24:37.871
I looked at money as, oh, man, money will make me.

363
00:24:39.347 --> 00:24:40.107
Excuse my French.

364
00:24:40.768 --> 00:24:41.588
You know what I'm saying?

365
00:24:41.608 --> 00:24:43.609
But I'm just going to tell you, too, I'm on your podcast.

366
00:24:43.629 --> 00:24:44.729
I believe I'm that nigga.

367
00:24:45.649 --> 00:24:47.870
If I had a lot of money, that's who I am.

368
00:24:48.350 --> 00:24:50.291
Then I realized I ain't that guy.

369
00:24:51.231 --> 00:24:51.972
I had all the money.

370
00:24:53.112 --> 00:24:57.214
I'm just a typical dude who pursued money without no purpose, without no vision.

371
00:24:57.294 --> 00:25:00.955
And where there is no vision, that's where people perish.

372
00:25:00.975 --> 00:25:05.997
So when I realized that, yo, this is a tool to get me to the lifestyle that I desire, which is freedom.

373
00:25:06.832 --> 00:25:10.779
Man, Scott, my whole life changed because you know what?

374
00:25:11.621 --> 00:25:14.766
I hear a lot of people say, oh, I want to be, I want to make a billion dollars.

375
00:25:14.787 --> 00:25:16.309
I'm going to make a billion dollars one day.

376
00:25:16.810 --> 00:25:18.213
I never want to make a billion dollars.

377
00:25:19.195 --> 00:25:21.997
I don't want the stress that comes with that lifestyle.

378
00:25:22.498 --> 00:25:24.559
I don't want the responsibility that comes with that.

379
00:25:24.659 --> 00:25:26.641
I don't want the taxes that come with that.

380
00:25:27.221 --> 00:25:34.888
Man, listen, man, I tell everyone, man, let me just get a cool 15, 20 million sitting inside my investments to pay me a cool 4% to 5% a year.

381
00:25:35.528 --> 00:25:36.069
I'm happy.

382
00:25:36.209 --> 00:25:37.209
And that's your FU number?

383
00:25:37.390 --> 00:25:38.530
That's my FU number.

384
00:25:39.731 --> 00:25:43.514
And that's my FU number and that's my G number.

385
00:25:43.575 --> 00:25:43.995
Goodbye.

386
00:25:45.970 --> 00:25:46.671
You know what I'm saying?

387
00:25:46.691 --> 00:25:53.946
Because it's like, I think, like, I was listening to this podcast, another dope young lady you should have on your podcast, Morgan Devon.

388
00:25:54.527 --> 00:25:56.912
And years ago, she said, man, what's your number?

389
00:25:57.893 --> 00:26:02.737
And man, I was making all this money and I never asked myself, Anthony, what is your number?

390
00:26:03.197 --> 00:26:07.680
So I literally went in my office on that day, Morgan's after listening to Morgan's podcast.

391
00:26:07.821 --> 00:26:08.421
Thank you, Morgan.

392
00:26:08.941 --> 00:26:14.606
And man, I went down on my chalkboard and I wrote down everything that I desired monthly.

393
00:26:15.146 --> 00:26:20.150
The house, if I wanted a chef to make me some meals throughout the week, like whatever that was.

394
00:26:20.170 --> 00:26:21.371
And when I added that up.

395
00:26:22.366 --> 00:26:23.367
I said, okay, cool, great.

396
00:26:23.387 --> 00:26:27.331
Then I multiply that by 300 to give me my number.

397
00:26:27.391 --> 00:26:28.111
I was like, that's all I need?

398
00:26:29.032 --> 00:26:29.513
What?

399
00:26:29.533 --> 00:26:30.473
I love this exercise.

400
00:26:30.794 --> 00:26:31.574
I love this exercise.

401
00:26:31.695 --> 00:26:32.535
Nobody does this.

402
00:26:32.575 --> 00:26:34.537
Yeah, so this is my number.

403
00:26:35.418 --> 00:26:37.019
This will generate this much per year.

404
00:26:37.440 --> 00:26:39.382
That per year will generate this much per month.

405
00:26:40.222 --> 00:26:42.805
Why the heck am I trying to go for a much bigger number?

406
00:26:43.385 --> 00:26:46.108
And I think that that is the secret between...

407
00:26:47.745 --> 00:26:53.169
I believe someone who's just going for the flow and following culture and rather someone who's moving strategically.

408
00:26:53.270 --> 00:27:00.315
And the reason why, you know, I have less stress in my life is because I'm not trying to be like everyone else.

409
00:27:01.156 --> 00:27:02.177
I know my number.

410
00:27:02.517 --> 00:27:04.899
I know my goal and I know what I got to do to hit that.

411
00:27:05.660 --> 00:27:07.041
And that's my target.

412
00:27:07.261 --> 00:27:07.761
And watch this.

413
00:27:08.262 --> 00:27:09.983
I may hit it before my target date.

414
00:27:10.824 --> 00:27:13.526
And if I hit it before my target date, I'm not going to change that number.

415
00:27:14.766 --> 00:27:19.889
I'm going to keep going to my target data when I want to stop having to exchange my time for money.

416
00:27:20.529 --> 00:27:22.490
But let's say if I hit it in the next five years.

417
00:27:22.570 --> 00:27:22.750
Cool.

418
00:27:22.770 --> 00:27:23.010
Great.

419
00:27:23.171 --> 00:27:24.151
I hit the next five years.

420
00:27:24.591 --> 00:27:26.933
Whatever I add on to that, that's that's gravy.

421
00:27:27.153 --> 00:27:29.434
I'm not trying to intentionally do that.

422
00:27:29.974 --> 00:27:30.274
I'm not.

423
00:27:30.354 --> 00:27:31.355
OK, well, she said this.

424
00:27:31.375 --> 00:27:32.095
Let me go to double.

425
00:27:32.215 --> 00:27:32.696
No, man.

426
00:27:33.296 --> 00:27:36.318
No, no, because I want freedom.

427
00:27:37.095 --> 00:27:38.596
I want to wake up one day and say, you know what?

428
00:27:38.896 --> 00:27:41.117
I don't feel like getting out of bed at 5 o'clock in the morning.

429
00:27:41.338 --> 00:27:42.538
I'm going to get up when I want to get up.

430
00:27:43.259 --> 00:27:47.581
I want my wife to turn over one day and be like, hey, can we go to Mexico today?

431
00:27:48.422 --> 00:27:49.002
Hell yeah.

432
00:27:49.963 --> 00:27:50.683
Get the kids dressed.

433
00:27:50.823 --> 00:27:51.183
Let's go.

434
00:27:52.784 --> 00:27:54.385
I want that kind of freedom, man.

435
00:27:54.825 --> 00:27:55.426
And I think...

436
00:27:56.493 --> 00:28:01.877
If you move strategically, use money as a tool, have a clear vision.

437
00:28:02.837 --> 00:28:13.204
The thing that's missing in between that, which is why I wrote the book, Stop Living Paycheck to Paycheck, is now what is the plan and the strategy to get to that number, to get to your financial goal?

438
00:28:13.545 --> 00:28:23.952
Because every wealthy person that I've had an opportunity to work with, that I've been mentored by or I had a conversation with, all of them had a strategy and a plan that they were working.

439
00:28:23.972 --> 00:28:24.352
Yeah.

440
00:28:24.773 --> 00:28:26.876
And I'm like, okay, wait, what is my strategy?

441
00:28:26.896 --> 00:28:27.597
What is my plan?

442
00:28:27.637 --> 00:28:28.879
How do I have this conversation?

443
00:28:29.440 --> 00:28:32.665
And so I was looking and reading books, man.

444
00:28:34.250 --> 00:28:42.932
I didn't see a lot of books that really gave the average everyday hard working middle class person a solid plan just to get them out of paycheck to paycheck.

445
00:28:43.632 --> 00:28:47.152
So my book is not for the millionaire who has crazy millions in margin.

446
00:28:47.272 --> 00:28:47.632
It's not.

447
00:28:48.173 --> 00:28:52.793
My book is for that entrepreneur, that everyday person who's saying, you know what, I make decent money.

448
00:28:53.354 --> 00:28:54.494
Why is my life so stressful?

449
00:28:54.554 --> 00:28:55.054
Exactly.

450
00:28:55.534 --> 00:28:56.374
You know what's crazy, though?

451
00:28:56.414 --> 00:28:58.234
It's just such a smart, important point.

452
00:28:58.314 --> 00:29:00.955
I just don't want to gloss over it.

453
00:29:02.731 --> 00:29:04.532
You set your own FQ number.

454
00:29:04.652 --> 00:29:06.333
You set your own goals.

455
00:29:06.653 --> 00:29:11.315
And when they're your goals, not society's goals, culture's goals, your parents' goals.

456
00:29:11.515 --> 00:29:11.835
Uh-oh.

457
00:29:12.536 --> 00:29:12.876
Uh-oh.

458
00:29:13.276 --> 00:29:13.996
That's when you hit them.

459
00:29:14.257 --> 00:29:14.977
That's when you hit them.

460
00:29:15.077 --> 00:29:18.859
And you know, like, I think so many people are going after all these other people's goals.

461
00:29:18.999 --> 00:29:22.280
And they never stop once for a second and think, is that what I actually want?

462
00:29:22.580 --> 00:29:22.761
No.

463
00:29:23.081 --> 00:29:23.321
Fact.

464
00:29:23.661 --> 00:29:26.062
I was reading about sort of a little bit about your journey.

465
00:29:26.102 --> 00:29:29.044
So you became a teacher at HBCU.

466
00:29:29.064 --> 00:29:29.264
Yep.

467
00:29:30.224 --> 00:29:31.565
But you were planning to do that by 50.

468
00:29:32.245 --> 00:29:32.465
Yes.

469
00:29:32.585 --> 00:29:32.805
No.

470
00:29:33.025 --> 00:29:36.547
So my goal is by 50, I'm 42 today.

471
00:29:37.427 --> 00:29:40.428
By 50, I want to honestly be a perfect, not a professor.

472
00:29:40.448 --> 00:29:43.449
I keep saying that I want to be an HBCU president.

473
00:29:43.869 --> 00:29:44.629
I got you.

474
00:29:45.190 --> 00:29:46.530
So but it's your goal.

475
00:29:46.810 --> 00:29:48.471
You're on track to do it for sure.

476
00:29:48.971 --> 00:29:53.172
And I feel like when you when the goals you're going after are truly yours, not someone else's.

477
00:29:53.913 --> 00:29:54.893
It's ways you to get them.

478
00:29:55.193 --> 00:29:55.893
Oh, heck yeah, man.

479
00:29:55.913 --> 00:30:00.275
When I told half of my people I want to be an HBCU professor, half of them said, what?

480
00:30:01.066 --> 00:30:02.046
Well, there's no money in that.

481
00:30:03.107 --> 00:30:07.189
But that's where my FU number comes in because it's like, well, wait a minute.

482
00:30:07.329 --> 00:30:12.952
If I'm already getting paid for my number, I can go do whatever I want to do.

483
00:30:13.452 --> 00:30:13.732
Right.

484
00:30:14.293 --> 00:30:22.717
And so to me, it's important for me to get back to my community, to my culture, because I know what happens within my community, my culture.

485
00:30:23.077 --> 00:30:30.621
And honestly, I wish somebody taught me in middle school or in high school and for sure in my college years about money.

486
00:30:31.458 --> 00:30:32.219
Because think about it, man.

487
00:30:32.939 --> 00:30:39.867
When you have kids, when I have kids, when you got to have kids, they're going to go to school and learn nothing about money.

488
00:30:39.887 --> 00:30:45.012
They're going to learn how to read, write, process information, add.

489
00:30:46.233 --> 00:30:50.958
All that to hopefully get them two things, either into a higher education or a job.

490
00:30:52.032 --> 00:30:57.260
If they go into higher education, the higher education is so they can get, quote unquote, a better job, a better source of income.

491
00:30:57.781 --> 00:31:02.788
But wait, if the end goal is to get a job and an income, why are you not teaching me what to do with that money?

492
00:31:03.881 --> 00:31:08.202
So my philosophy now is like, man, let me get into education.

493
00:31:09.022 --> 00:31:11.163
Let me go get my doctorate degree.

494
00:31:11.203 --> 00:31:25.166
Let me start getting into, I'm a professor now, and one of the very first things my president told me, Dr. Lucas, he said, I want you to rewrite the curriculum for consumer economics for your class, and I want you to be the test pilot.

495
00:31:25.766 --> 00:31:30.607
So I want you to teach consumer economics, but it needs to also teach financing and investing and education.

496
00:31:31.880 --> 00:31:34.963
Man, I'm telling you, my kids walking to that class got bored.

497
00:31:35.983 --> 00:31:40.187
By week two, the end of week two, they don't show up late.

498
00:31:41.248 --> 00:31:51.676
Because I've learned how to explain economics and the economy in the way of this younger generation to help them understand the importance of money.

499
00:31:51.876 --> 00:31:56.180
And they're like, yo, half of the things you're teaching me, I'm seeing my parents do right now.

500
00:31:57.240 --> 00:31:58.962
And I said, and those things you need to avoid.

501
00:31:59.858 --> 00:32:01.319
I never tell them don't go borrow money.

502
00:32:01.819 --> 00:32:03.000
I just teach them both sides.

503
00:32:03.340 --> 00:32:05.062
Here's what life looks like on both sides.

504
00:32:05.102 --> 00:32:06.042
You make the decision.

505
00:32:06.983 --> 00:32:07.383
That's it.

506
00:32:08.044 --> 00:32:11.706
And so for me, man, it's like if you set your goals.

507
00:32:13.447 --> 00:32:19.832
If you sit down, turn off your phone and watch this guy, this is where we all man, we jack this up.

508
00:32:20.878 --> 00:32:22.958
We think and then we go tell the wrong friend.

509
00:32:23.979 --> 00:32:29.260
Then the wrong friend who you like, who you really rock with, be like, nah, nah, bro, that's stupid.

510
00:32:29.280 --> 00:32:29.800
That's dumb, bro.

511
00:32:29.820 --> 00:32:30.280
Don't do that.

512
00:32:30.640 --> 00:32:31.140
Don't do that.

513
00:32:31.200 --> 00:32:32.140
Don't do that.

514
00:32:33.081 --> 00:32:36.961
And then it's like now you go home thinking second thoughts.

515
00:32:37.061 --> 00:32:37.522
Oh, shoot.

516
00:32:38.122 --> 00:32:39.102
Did I make the right decision?

517
00:32:39.162 --> 00:32:39.442
Dang.

518
00:32:40.062 --> 00:32:40.902
My boy said don't do this.

519
00:32:40.942 --> 00:32:41.862
My girl said don't do this.

520
00:32:42.383 --> 00:32:43.043
No, bro.

521
00:32:43.283 --> 00:32:44.243
That's your dream.

522
00:32:45.344 --> 00:32:46.585
Go live your life.

523
00:32:46.905 --> 00:32:51.909
And if your friends don't want to rock with you because that's your dream, that's your desire, man, it's your show.

524
00:32:52.490 --> 00:32:54.031
I can't cuss like that, but F them.

525
00:32:54.812 --> 00:32:55.593
You know what I'm saying?

526
00:32:55.633 --> 00:32:58.975
Move on, bro, because that friend ain't going to cut you a check.

527
00:32:59.236 --> 00:32:59.696
100%.

528
00:32:59.976 --> 00:33:01.678
And people screw up their whole lives because of that.

529
00:33:01.918 --> 00:33:02.678
Man, listen.

530
00:33:03.420 --> 00:33:04.280
Don't get me started.

531
00:33:04.620 --> 00:33:04.960
I see.

532
00:33:05.160 --> 00:33:09.102
You know, but it's in every part, every, how do I say?

533
00:33:09.142 --> 00:33:10.862
Like you're starting a business.

534
00:33:11.522 --> 00:33:12.843
You build the wrong kind of business.

535
00:33:12.923 --> 00:33:16.403
You take on VC or angel money because you think that's the cool thing to do.

536
00:33:17.624 --> 00:33:19.364
Now, all of a sudden you're on someone else's clock.

537
00:33:19.544 --> 00:33:20.505
You don't hit your returns.

538
00:33:20.745 --> 00:33:21.505
You've lost control.

539
00:33:21.525 --> 00:33:21.965
You're fucked.

540
00:33:22.962 --> 00:33:26.666
Your parents say you should become a doctor, an engineer, a lawyer.

541
00:33:27.427 --> 00:33:28.588
You want to be an entrepreneur.

542
00:33:28.608 --> 00:33:29.109
You have a dream.

543
00:33:29.129 --> 00:33:30.450
You have a passion, but you don't do it.

544
00:33:30.470 --> 00:33:32.453
You wake up one day when you're 50, you resent your whole life.

545
00:33:32.473 --> 00:33:35.756
You resent your family.

546
00:33:36.237 --> 00:33:43.024
Every part of everyone's life, unfortunately, the majority of people listening to this, hopefully I listened to it long enough where they've...

547
00:33:44.089 --> 00:33:45.409
They're not living this way anymore.

548
00:33:45.850 --> 00:33:49.011
But most people's lives are actually someone else's lives.

549
00:33:49.831 --> 00:33:50.631
And it's very sad.

550
00:33:50.891 --> 00:33:51.332
Very sad.

551
00:33:51.472 --> 00:33:52.812
And it fucks up everything.

552
00:33:53.072 --> 00:33:53.753
That's a fact.

553
00:33:54.113 --> 00:33:58.994
I just wanna like grab people and shake them and be like, bro, is the life you're actually living the life you want?

554
00:33:59.014 --> 00:34:05.477
Because when you do figure out the life you want and you have that and you understand what that life looks like and you can figure out

555
00:34:07.085 --> 00:34:16.088
what trips you want, what kind of house you want, what school your kids go to, then all of a sudden money becomes less scary because you actually don't need as much of it as social media makes you think you need.

556
00:34:17.248 --> 00:34:22.350
And all of a sudden, like, you're regulated, your nervous system chills the fuck out, and you can actually live a life you enjoy.

557
00:34:22.670 --> 00:34:24.711
I think your listeners need to try something that I did.

558
00:34:24.731 --> 00:34:27.252
Still do to this day.

559
00:34:29.373 --> 00:34:30.313
Because I'm still human.

560
00:34:31.133 --> 00:34:34.594
Every now and then, I'll mute everybody on my Instagram page.

561
00:34:35.755 --> 00:34:36.175
I'll mute them.

562
00:34:37.100 --> 00:34:38.641
I'll just post, won't see nothing else.

563
00:34:39.421 --> 00:34:43.643
Because I think sometimes you'll see your peers and see some of your competitors.

564
00:34:43.663 --> 00:34:47.264
I don't say competitors, but other people who are doing what you do in the space.

565
00:34:47.324 --> 00:34:50.505
And they'll paint this narrative that they're just winning, they're killing.

566
00:34:50.525 --> 00:34:53.607
And you don't know the hell or drama or any issues they may be going through.

567
00:34:54.067 --> 00:34:58.629
So you'll go out there and make dumb financial decisions and moves based upon what you see on social media.

568
00:34:59.209 --> 00:35:01.751
So every single July, man, I honestly turn off social media.

569
00:35:01.991 --> 00:35:03.272
I don't go on it at all.

570
00:35:03.732 --> 00:35:12.599
But then when I start feeling my body and my brain starting to be a little jealous and starting to make decisions based upon what I'm seeing on Instagram, man, I mute everybody on my Instagram page.

571
00:35:12.959 --> 00:35:13.439
You feel it?

572
00:35:13.639 --> 00:35:15.180
You feel it when you're starting to be influenced?

573
00:35:15.200 --> 00:35:19.343
I feel it because, I mean, for me, I'll start saying, okay, shoot, I need to go do this.

574
00:35:19.624 --> 00:35:20.284
Or I better go do that.

575
00:35:20.324 --> 00:35:21.285
Well, dang, they just did this.

576
00:35:21.325 --> 00:35:22.005
Or he just did this.

577
00:35:22.045 --> 00:35:22.466
She did it.

578
00:35:23.907 --> 00:35:26.729
And then now my team is like, Anthony, bro, that's not us.

579
00:35:27.806 --> 00:35:28.687
Why are we doing this?

580
00:35:28.727 --> 00:35:29.507
I'm like, nah, you're right.

581
00:35:29.968 --> 00:35:30.448
That's me.

582
00:35:30.988 --> 00:35:31.549
Social media.

583
00:35:32.049 --> 00:35:33.090
Social media is powerful.

584
00:35:33.130 --> 00:35:33.991
You have been influenced.

585
00:35:34.291 --> 00:35:34.791
For sure.

586
00:35:35.452 --> 00:35:35.772
You know?

587
00:35:35.892 --> 00:35:39.195
And so I'm like, even the best of us get influenced in a negative way.

588
00:35:39.335 --> 00:35:43.958
I just think we have to be mature to understand, y'all, I'm being influenced right now.

589
00:35:43.978 --> 00:35:45.620
Let me log off.

590
00:35:45.640 --> 00:35:52.705
Let me step back for a little bit because I remember one time, man, true story,

591
00:35:56.512 --> 00:35:59.113
Just moved to Maryland, was in my house, maybe about a year and a half.

592
00:36:00.013 --> 00:36:03.514
A company I did a lot of money, multiple M's that year.

593
00:36:03.634 --> 00:36:09.816
And, man, I saw someone on social media just go buy this dope house.

594
00:36:09.836 --> 00:36:12.637
I was like, dang, that's dope.

595
00:36:13.737 --> 00:36:14.717
I'm doing more than you.

596
00:36:14.897 --> 00:36:15.337
The hell?

597
00:36:17.458 --> 00:36:17.798
So...

598
00:36:19.523 --> 00:36:24.387
One of my friends, he called me and was like, hey, bro, there's this lot available on the Potomac River.

599
00:36:24.767 --> 00:36:27.049
You could buy that lot for $800,000.

600
00:36:27.109 --> 00:36:28.750
I was like, what?

601
00:36:28.810 --> 00:36:29.851
On the Potomac River?

602
00:36:30.451 --> 00:36:30.711
Bruh.

603
00:36:30.731 --> 00:36:34.514
I was like, yeah, bro, and it's already been approved for a deck.

604
00:36:34.895 --> 00:36:39.458
And you can't get approved for a deck no more, a boat deck in the PG County area.

605
00:36:39.858 --> 00:36:40.439
I said, what?

606
00:36:40.939 --> 00:36:42.140
So I said, man, let me look at it.

607
00:36:42.180 --> 00:36:45.122
So I go out there and I see it.

608
00:36:46.503 --> 00:36:47.844
I put in the offer.

609
00:36:48.244 --> 00:36:48.825
I get the land.

610
00:36:49.765 --> 00:36:55.729
that I meet a builder out there to tell me how much it's going to cost to build on this thing.

611
00:36:56.169 --> 00:36:59.771
Man, it was a beautiful layup.

612
00:37:00.972 --> 00:37:01.852
Lamb was $800.

613
00:37:02.633 --> 00:37:05.395
He wanted $2.8 million just to build the house.

614
00:37:05.815 --> 00:37:06.835
That's a nice house.

615
00:37:07.676 --> 00:37:08.336
It better be.

616
00:37:08.917 --> 00:37:15.581
Bro, I said, wait, I'll be $3.6 million in this house, single man,

617
00:37:17.392 --> 00:37:22.276
I'm only 5'6", 5'7", 5'8 on a good day.

618
00:37:22.296 --> 00:37:24.978
No, you're 6, dude.

619
00:37:25.139 --> 00:37:30.783
I'm like, that mortgage payment, 25 grand easy.

620
00:37:30.823 --> 00:37:31.304
25 grand.

621
00:37:33.826 --> 00:37:34.526
I went back home.

622
00:37:37.129 --> 00:37:38.029
I said, what, Dad?

623
00:37:39.351 --> 00:37:39.711
No.

624
00:37:43.360 --> 00:37:45.982
Because I'm seeing things on social media.

625
00:37:46.743 --> 00:37:47.243
Watch this.

626
00:37:47.424 --> 00:37:49.305
I see that I'm making this good money.

627
00:37:49.325 --> 00:37:50.726
I'm like, I could pay it off.

628
00:37:52.468 --> 00:37:54.970
Man, I canceled that deal.

629
00:37:56.371 --> 00:37:58.393
Just because I have it doesn't mean I need to spend it.

630
00:37:58.914 --> 00:38:02.236
And I just unplugged from social media for a while just to reset my own brain.

631
00:38:02.897 --> 00:38:03.458
You felt it.

632
00:38:03.518 --> 00:38:04.679
You felt you were being influenced.

633
00:38:04.699 --> 00:38:05.019
Yes, sir.

634
00:38:05.919 --> 00:38:08.721
I mean, in my house, that house at the time is beautiful.

635
00:38:08.741 --> 00:38:09.321
I still have it.

636
00:38:09.361 --> 00:38:17.826
I have moved and purchased a nicer home on the nicer side of town, but it still ain't $4 million almost.

637
00:38:18.467 --> 00:38:19.547
But that was someone else's goal.

638
00:38:19.707 --> 00:38:20.688
That was somebody else's goal.

639
00:38:20.708 --> 00:38:20.848
Yeah.

640
00:38:22.175 --> 00:38:24.137
You know, and so I desire a family.

641
00:38:24.157 --> 00:38:28.141
So I went and got me a family house in a family neighborhood, a family community.

642
00:38:28.922 --> 00:38:31.064
I'm the only single person in my community.

643
00:38:31.084 --> 00:38:32.625
But if you live there, you won't be for long.

644
00:38:32.645 --> 00:38:34.927
You're setting your life up for the goals you want.

645
00:38:35.148 --> 00:38:35.448
Yes, sir.

646
00:38:36.609 --> 00:38:36.929
That's it.

647
00:38:37.810 --> 00:38:39.131
Noom is a success story partner.

648
00:38:39.351 --> 00:38:41.693
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649
00:38:42.113 --> 00:38:44.756
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650
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651
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652
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653
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654
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656
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657
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658
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659
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660
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661
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663
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664
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666
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667
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668
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669
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670
00:39:48.258 --> 00:39:49.699
Cost of medication not included.

671
00:39:50.059 --> 00:39:51.959
Final pricing depends on program selection.

672
00:39:52.119 --> 00:40:02.274
Results based on a January 2026 analysis of 14,203 NoomGLP1RX program members who logged weight over a 40-week period.

673
00:40:02.795 --> 00:40:05.899
Higher app engagement was associated with greater weight loss at 16 weeks.

674
00:40:07.081 --> 00:40:08.302
NetSuite is a success story partner.

675
00:40:08.502 --> 00:40:10.022
Now you probably know NetSuite already.

676
00:40:10.042 --> 00:40:16.245
It's a software that a ton of companies use to basically manage everything, their finances, their inventory, their HR.

677
00:40:16.285 --> 00:40:17.466
It's just all in one place.

678
00:40:17.686 --> 00:40:19.687
Now they just came out with NetSuite Next.

679
00:40:19.887 --> 00:40:22.608
This is the AI version of all of that.

680
00:40:22.628 --> 00:40:27.230
So now you can ask it a question the way you'd ask someone on your team who just knows everything about your business.

681
00:40:27.570 --> 00:40:28.470
It gives you the answer.

682
00:40:28.750 --> 00:40:34.473
It keeps you up to date on all the things you need to know about your company and your business without you having to go digging for them.

683
00:40:34.693 --> 00:40:40.317
And it has these AI agents that take care of all the routine work in your business that eats up everybody's day.

684
00:40:40.577 --> 00:40:45.421
Now, the bigger picture here is that AI is starting to change how teams actually work together.

685
00:40:45.721 --> 00:40:49.484
It's happening incredibly fast, and most companies don't have a plan for it.

686
00:40:49.724 --> 00:40:50.384
NetSuite does.

687
00:40:50.684 --> 00:40:56.168
They have a free guide called Aligning for the Agentic Era, how AI is changing everyday work.

688
00:40:56.328 --> 00:41:01.332
It breaks down how AI could reshape the way your whole organization works and what your business should be doing to get ahead of it.

689
00:41:01.512 --> 00:41:04.233
If I needed a tool like NetSuite, it's what I'd use and you should too.

690
00:41:04.513 --> 00:41:13.457
So if your revenues are at least in the seven figures, get our free business guide, Aligning for the Agentic Era, How AI is Changing Everyday Work at netsuite.com slash scottclary.

691
00:41:13.757 --> 00:41:17.459
The guide is free to you at netsuite.com slash scottclary.

692
00:41:17.719 --> 00:41:20.120
That's netsuite.com slash scottclary.

693
00:41:20.220 --> 00:41:21.541
Monarch is a success story partner.

694
00:41:21.621 --> 00:41:22.342
Now, quick question.

695
00:41:22.482 --> 00:41:24.443
Do you know where your money went last month?

696
00:41:24.544 --> 00:41:26.285
Not roughly, but exactly.

697
00:41:26.385 --> 00:41:27.106
And most people don't.

698
00:41:27.326 --> 00:41:28.247
And I didn't for years.

699
00:41:28.307 --> 00:41:30.428
And that is most of our money stories, right?

700
00:41:30.508 --> 00:41:34.251
When we first start our career, we have one income and one account and you can kind of wing it.

701
00:41:34.492 --> 00:41:42.358
But once you're running businesses, once you're investing, once you're carrying 50 different subscriptions that you stopped paying attention to, winging it gets super expensive.

702
00:41:42.558 --> 00:41:43.579
Monarch fixed that for me.

703
00:41:43.679 --> 00:41:46.420
It is the personal finance app that tracks everything.

704
00:41:46.480 --> 00:41:50.543
So that means accounts, investments, savings goals, spending all on one screen.

705
00:41:50.663 --> 00:41:54.365
The first week I had it, it fired recurring charges I'd been paying for months without realizing.

706
00:41:54.485 --> 00:41:58.968
And every single week, the AI recap tells me if spending spiked, if my net worth moved,

707
00:41:59.168 --> 00:42:00.188
And what bills are coming?

708
00:42:00.208 --> 00:42:03.449
And I can just ask it, hey, can I afford this trip without touching my savings?

709
00:42:03.489 --> 00:42:06.610
And I can get a real answer based on my actual numbers.

710
00:42:06.710 --> 00:42:08.870
It is a financial advisor in your pocket.

711
00:42:09.150 --> 00:42:11.011
It costs less than an hour with a real one.

712
00:42:11.151 --> 00:42:12.911
So write your own money story with Monarch.

713
00:42:13.151 --> 00:42:17.732
Use code success at Monarch.com and get your first year of Monarch core half off at just $50.

714
00:42:17.992 --> 00:42:21.513
That's 50% off your first year at Monarch.com with code success.

715
00:42:21.913 --> 00:42:25.114
Walk me back to that gap that people are trying to figure out.

716
00:42:29.735 --> 00:42:34.637
and they're paycheck to paycheck right now, and then there's this middle ground that they got across, right?

717
00:42:35.078 --> 00:42:37.299
And that middle ground is what screws everyone up.

718
00:42:37.319 --> 00:42:39.460
They don't know the next step they got to take.

719
00:42:39.760 --> 00:42:43.241
They know what they want, but maybe they don't know how to do it, or maybe they don't have the courage to do it.

720
00:42:43.261 --> 00:42:43.561
I don't know.

721
00:42:43.821 --> 00:42:45.402
It's probably a mixture of both.

722
00:42:46.203 --> 00:42:49.184
How do you get from, and when I say paycheck to paycheck, I'm going to say this one more time.

723
00:42:50.244 --> 00:42:53.006
You can be making a million dollars a year and still be living paycheck to paycheck.

724
00:42:53.026 --> 00:42:54.726
So it is not an income level.

725
00:42:54.786 --> 00:42:57.508
It is a relationship with money.

726
00:42:58.548 --> 00:43:00.850
I think it's going to be two things, right?

727
00:43:00.890 --> 00:43:03.632
It's going to be more for sure, more mental.

728
00:43:03.793 --> 00:43:05.134
And in second, practical.

729
00:43:05.274 --> 00:43:07.696
I think a lot of people know they need to do better.

730
00:43:07.856 --> 00:43:20.087
I think where people fail at is they don't have the step by step things on what they need to do to get across to that side of freedom side.

731
00:43:20.747 --> 00:43:22.909
And so the very first thing I tell people is this.

732
00:43:22.949 --> 00:43:26.113
I'm like, man, I need you to step back and come up with your why.

733
00:43:27.134 --> 00:43:30.877
One of my good friends, another guy you need to have on your show, because he's all about success.

734
00:43:30.917 --> 00:43:32.259
He's brilliant in this area.

735
00:43:32.299 --> 00:43:33.480
Dr. Darius Daniels.

736
00:43:34.481 --> 00:43:42.249
He told us one day in a small session, he said, if your why doesn't make you cry, then a price of commitment will make you cry.

737
00:43:43.225 --> 00:43:58.591
Meaning that if you can't look in your future and get a little emotional about why you want financial freedom, why you want to stop living paycheck to paycheck, then then the commitment of what it's going to take for you to get from here to there to get to your freedom situation.

738
00:43:58.951 --> 00:44:00.132
It's going to make you cry.

739
00:44:00.392 --> 00:44:05.914
And if you're crying because of the commitment, because of the journey, you're going to quit and never get over there.

740
00:44:06.414 --> 00:44:07.995
But if your why makes you cry.

741
00:44:09.020 --> 00:44:20.342
If your vision gets you passionate, whatever obstacles, whatever issues may come in your way, whatever speed bumps may come your way, Scott, you're going to get through it because you want to get to it because of your why.

742
00:44:21.162 --> 00:44:22.482
And so that's what I tell everybody.

743
00:44:22.502 --> 00:44:23.963
Everyone says, Anthony, what's your why?

744
00:44:23.983 --> 00:44:28.664
I'm like, man, listen, I watched my mama work two, three jobs just to make sure we had a decent Christmas.

745
00:44:29.004 --> 00:44:34.605
Man, I watched my father have to go out there and travel across the world just to make sure that I could eat well.

746
00:44:35.045 --> 00:44:36.085
And I said, man, my why?

747
00:44:36.705 --> 00:44:39.491
To this day, I've never been to Disneyland or Disney World.

748
00:44:40.496 --> 00:44:41.616
To this day, I've never had.

749
00:44:41.676 --> 00:44:42.357
I'm 42.

750
00:44:43.077 --> 00:44:43.537
Never been.

751
00:44:44.157 --> 00:44:45.058
And I've been invited.

752
00:44:45.098 --> 00:44:49.339
I said, nope, I'm not going until I'm going with my children and with my kids.

753
00:44:49.599 --> 00:44:50.320
That's my why.

754
00:44:50.520 --> 00:44:57.022
So when I have obstacles come up as an entrepreneur, when I feel like quitting sometimes, man, my why is like heck no.

755
00:44:57.042 --> 00:44:59.163
Because if you quit, then you're quitting on your why.

756
00:44:59.423 --> 00:45:02.444
And if you quit on your why, you're quitting on your kids that you haven't met yet.

757
00:45:02.724 --> 00:45:07.506
And when you get them, you got to look them in their face and say, I couldn't sustain what was coming my way for you.

758
00:45:07.886 --> 00:45:08.206
And that

759
00:45:08.866 --> 00:45:09.967
I, man, I was about to cuss.

760
00:45:10.307 --> 00:45:11.487
I was, but, but the hell with that.

761
00:45:12.348 --> 00:45:13.528
I'm not going to look at my kids.

762
00:45:13.568 --> 00:45:20.952
I'm not going to look at my wife and tell my wife, I cannot give them freedom because I didn't push through.

763
00:45:21.352 --> 00:45:25.133
And I think that's the very first thing that you got to do is come up with your why.

764
00:45:25.213 --> 00:45:26.074
And you got to go deep.

765
00:45:26.114 --> 00:45:27.054
Don't just say, I want a house.

766
00:45:27.214 --> 00:45:27.534
No, no, no.

767
00:45:27.975 --> 00:45:28.775
Why do you want that house?

768
00:45:29.095 --> 00:45:30.837
Don't just say, I want to be debt free.

769
00:45:30.937 --> 00:45:31.297
No, no, no.

770
00:45:31.677 --> 00:45:32.818
Why do you want to be debt free?

771
00:45:32.838 --> 00:45:39.364
You got to go deep and really dig down in your soul because the journey is going to make you want to quit.

772
00:45:40.244 --> 00:45:42.326
And every single day, you're successful.

773
00:45:42.666 --> 00:45:46.189
How many days have you set up in your head and been like, dang, what am I doing?

774
00:45:46.870 --> 00:45:47.270
Everyone.

775
00:45:47.991 --> 00:45:48.811
That's what I'm saying.

776
00:45:49.031 --> 00:45:49.912
Every single one.

777
00:45:49.932 --> 00:45:50.753
That's what I'm saying.

778
00:45:50.833 --> 00:45:52.034
I'll tell you this morning.

779
00:45:52.214 --> 00:45:52.454
Yeah.

780
00:45:52.514 --> 00:45:54.676
I was doing street interviews around Miami.

781
00:45:54.736 --> 00:45:55.237
I woke up.

782
00:45:55.997 --> 00:45:59.701
It was like the fucking wildest hurricane, torrential rains.

783
00:45:59.861 --> 00:46:01.462
I looked outside.

784
00:46:01.943 --> 00:46:03.224
I don't even know if I said this when I called.

785
00:46:03.244 --> 00:46:06.006
In my head, at least I said, what the fuck am I doing?

786
00:46:06.226 --> 00:46:06.727
Oh, man.

787
00:46:06.807 --> 00:46:07.428
Yeah.

788
00:46:07.448 --> 00:46:08.068
I understand it.

789
00:46:08.248 --> 00:46:09.489
And we figured it out.

790
00:46:09.650 --> 00:46:09.850
Yep.

791
00:46:10.050 --> 00:46:10.871
And we got it done.

792
00:46:11.011 --> 00:46:11.231
Yep.

793
00:46:11.391 --> 00:46:16.616
But for like five seconds, I was like, I don't need to be doing this.

794
00:46:16.916 --> 00:46:17.777
Why am I doing this?

795
00:46:17.817 --> 00:46:19.178
And then I remembered why I'm doing it.

796
00:46:19.318 --> 00:46:20.920
And then I got my ass out of bed.

797
00:46:21.780 --> 00:46:22.540
We got it done.

798
00:46:23.261 --> 00:46:29.243
But the difference is a lot of people will experience that setback and they'll be like, I'm out.

799
00:46:29.503 --> 00:46:29.803
I'm out.

800
00:46:30.404 --> 00:46:30.624
Yeah.

801
00:46:31.004 --> 00:46:31.924
And then here's the thing.

802
00:46:32.565 --> 00:46:33.385
Wake up a week later.

803
00:46:33.405 --> 00:46:34.485
Dang, why did I do that?

804
00:46:34.846 --> 00:46:35.046
Yeah.

805
00:46:35.206 --> 00:46:35.746
And you regret.

806
00:46:36.086 --> 00:46:36.326
Yeah.

807
00:46:36.586 --> 00:46:37.927
Now you got to go start from scratch.

808
00:46:38.867 --> 00:46:42.609
And then the next thing, a year later, you quit.

809
00:46:43.809 --> 00:46:45.170
So now you're going back and forth.

810
00:46:46.585 --> 00:46:47.486
Your why wasn't big enough.

811
00:46:47.786 --> 00:46:48.246
It wasn't.

812
00:46:48.686 --> 00:46:50.307
And it's like, man, trust me.

813
00:46:51.568 --> 00:46:55.490
And I'll say this, to be vulnerable, there's been nights I've cried.

814
00:46:56.331 --> 00:47:01.393
There's been nights I've had to call my best friend and like, oh, bro, if you don't talk me out of this, I'm going to quit.

815
00:47:02.174 --> 00:47:07.277
There's been nights I've had to go and just get away and go chill out with my dad and play golf with him.

816
00:47:07.917 --> 00:47:14.621
There's been those days that I knew that if I don't get the right person speaking into my life, Anthony O'Neal is not going to make it through as far as in...

817
00:47:15.732 --> 00:47:16.332
I'm going to quit.

818
00:47:16.552 --> 00:47:17.973
I'm going to say, you know, forget this business.

819
00:47:18.013 --> 00:47:18.593
Forget this.

820
00:47:19.233 --> 00:47:19.653
I'm done.

821
00:47:20.473 --> 00:47:20.793
You know?

822
00:47:21.053 --> 00:47:24.734
I, um, here we go.

823
00:47:25.755 --> 00:47:27.095
I've never said this on any show.

824
00:47:27.715 --> 00:47:28.855
Vulnerable moment.

825
00:47:30.476 --> 00:47:32.676
Stop Living Paycheck to Paycheck came out August 25th.

826
00:47:33.576 --> 00:47:35.637
We made every single list but New York Times.

827
00:47:37.308 --> 00:47:38.829
Every single list.

828
00:47:38.989 --> 00:47:43.311
The second week on USA Today, we were number 33 first week.

829
00:47:44.091 --> 00:47:45.932
We was number 17 the second week.

830
00:47:48.314 --> 00:47:53.636
When I found out that I didn't make New York Times bestselling author, I said, why the hell am I writing books?

831
00:47:55.217 --> 00:47:56.358
Why the hell did I do all this?

832
00:47:57.518 --> 00:48:00.200
I did 150 interviews.

833
00:48:00.420 --> 00:48:01.760
I traveled the world.

834
00:48:03.121 --> 00:48:06.963
I haven't seen my German Shepherd dog in three months that I've been traveling promoting this book.

835
00:48:08.031 --> 00:48:09.951
I wrote this book.

836
00:48:10.091 --> 00:48:10.812
I said, man, forget this.

837
00:48:11.332 --> 00:48:11.632
I'm done.

838
00:48:12.372 --> 00:48:12.672
I'm done.

839
00:48:12.692 --> 00:48:14.212
I don't want to promote this book no more.

840
00:48:14.292 --> 00:48:15.373
It didn't make New York Times.

841
00:48:16.013 --> 00:48:17.053
But then my why hit me.

842
00:48:18.073 --> 00:48:20.374
Did you write this book to become a New York Times bestseller?

843
00:48:20.834 --> 00:48:21.334
I'm like, no.

844
00:48:22.394 --> 00:48:23.214
Why did you write this book?

845
00:48:24.095 --> 00:48:27.035
Because I wanted to help 100,000 people get out of debt.

846
00:48:29.776 --> 00:48:30.636
You sold a lot of books.

847
00:48:30.856 --> 00:48:31.596
I said, that's what it did.

848
00:48:33.517 --> 00:48:34.197
Who cares?

849
00:48:35.686 --> 00:48:36.626
I love New York Times.

850
00:48:37.027 --> 00:48:37.667
I rock with them.

851
00:48:37.707 --> 00:48:38.187
I bless them.

852
00:48:38.267 --> 00:48:39.448
They didn't select me.

853
00:48:39.488 --> 00:48:40.208
Okay, cool, great.

854
00:48:40.228 --> 00:48:40.728
You know what?

855
00:48:40.788 --> 00:48:41.188
Forget it.

856
00:48:41.608 --> 00:48:43.209
But my why wasn't New York Times.

857
00:48:43.869 --> 00:48:50.572
My why was I want to help 100,000 people get out of debt, stop living paycheck to paycheck via this book.

858
00:48:50.692 --> 00:48:51.433
I wrote the book.

859
00:48:51.513 --> 00:48:55.854
Man, people are calling me left and right, buying hundreds and hundreds of books.

860
00:48:56.174 --> 00:48:57.775
You know, I'm in a church often, man.

861
00:48:57.815 --> 00:48:58.996
They're booking me left and right.

862
00:48:59.176 --> 00:49:04.058
So the message is resonating and we're selling like crazy and we will easily sell 100,000 books.

863
00:49:05.973 --> 00:49:07.294
So I'm like, the message is working.

864
00:49:08.355 --> 00:49:14.200
Don't let this one letdown distract you from your real why.

865
00:49:14.941 --> 00:49:19.484
And I think, man, when people can really get that why, you're going to be hurt.

866
00:49:19.544 --> 00:49:20.765
You're going to feel like quitting.

867
00:49:21.266 --> 00:49:23.168
And honestly, that was just recently.

868
00:49:23.228 --> 00:49:24.369
And I was like, dang, man.

869
00:49:24.509 --> 00:49:26.190
Like, I was in my room.

870
00:49:26.210 --> 00:49:27.291
Like, oh, what the heck?

871
00:49:27.591 --> 00:49:28.572
I called some of my friends.

872
00:49:28.592 --> 00:49:29.173
Like, yo, bro.

873
00:49:29.947 --> 00:49:31.688
But then all of them kept reminding me my why.

874
00:49:31.888 --> 00:49:33.528
And man, that's why I'm here today.

875
00:49:33.868 --> 00:49:34.649
I leave you today.

876
00:49:35.089 --> 00:49:38.630
I go to Texas to do two more interviews, to do news.

877
00:49:39.030 --> 00:49:39.750
Then I leave there.

878
00:49:39.770 --> 00:49:42.691
I speak at a conference in front of 3,000 people.

879
00:49:42.731 --> 00:49:43.472
Go to Chicago.

880
00:49:43.492 --> 00:49:43.772
It's like...

881
00:49:44.867 --> 00:49:45.987
The journey got to go on, man.

882
00:49:46.748 --> 00:49:53.570
Even though I didn't hit the list, which would have been amazing, but the why is more important.

883
00:49:54.350 --> 00:49:58.052
The vision is more important than a reward than this.

884
00:49:58.912 --> 00:50:04.054
When people don't have that why, this is why they quit the business.

885
00:50:04.094 --> 00:50:06.235
This is why they quit the job when it gets tough.

886
00:50:06.255 --> 00:50:08.576
This is why they quit the relationship when there's a fight.

887
00:50:09.676 --> 00:50:12.097
And your why will always be tested.

888
00:50:12.777 --> 00:50:13.077
Always.

889
00:50:13.198 --> 00:50:16.541
I don't think that people really understand until they live through what you've gone through.

890
00:50:16.821 --> 00:50:20.245
Blood, sweat, and tears for how many years were you doing?

891
00:50:20.265 --> 00:50:22.367
You've been building the brand, teaching people.

892
00:50:24.347 --> 00:50:31.770
And then it doesn't like, it's not the, the, you know, the, the Disney end to the journey.

893
00:50:31.930 --> 00:50:33.511
It's not, it's not.

894
00:50:34.291 --> 00:50:35.772
But your why has to be stronger than that.

895
00:50:35.792 --> 00:50:39.033
Cause I think a lot of people, when they put so much effort in, they feel entitled.

896
00:50:39.393 --> 00:50:40.534
They're like, I deserve that.

897
00:50:40.754 --> 00:50:43.175
Which you probably do, but the universe doesn't give a shit.

898
00:50:43.615 --> 00:50:44.015
Doesn't.

899
00:50:44.535 --> 00:50:48.077
And the people that win have that why that's stronger than the doubt.

900
00:50:48.857 --> 00:50:50.538
That's stronger than the time it doesn't work.

901
00:50:50.558 --> 00:50:51.258
But you know, it's funny.

902
00:50:53.400 --> 00:50:55.962
Like when the why is stronger, maybe it doesn't work the first time.

903
00:50:56.462 --> 00:50:56.562
Oh.

904
00:50:57.723 --> 00:50:58.423
But it does work.

905
00:50:58.864 --> 00:50:59.364
Here's the thing.

906
00:51:03.767 --> 00:51:06.068
Stop focusing on the battles and focus on the war.

907
00:51:07.529 --> 00:51:14.274
And as human beings, my ultimate goal is not to be a New York Times bestselling author.

908
00:51:15.354 --> 00:51:17.936
My ultimate goal is not to be rich and to be wealthy.

909
00:51:18.837 --> 00:51:20.778
My ultimate goal is not to be famous.

910
00:51:20.798 --> 00:51:21.018
Right?

911
00:51:22.040 --> 00:51:29.144
My ultimate goal is that when I die, my children start off better the way than I started off.

912
00:51:30.865 --> 00:51:32.145
So if I have kids.

913
00:51:33.406 --> 00:51:35.907
In my whole life, I pursued the New York Times.

914
00:51:37.308 --> 00:51:42.251
But my children are going to get to 22, 25, 30 years old and they're still living paycheck to paycheck.

915
00:51:43.171 --> 00:51:44.172
I failed as a man.

916
00:51:45.870 --> 00:51:50.357
If my wife still has to work two daggone jobs just so our family could live.

917
00:51:50.738 --> 00:51:55.625
If our wife has to work one job just so we can live as a family, I failed.

918
00:51:57.063 --> 00:52:15.438
And so when I when I write when I was writing that book, you know how many young people inherit their parents decisions, inherit their their parents habits, inherit, you know, stress rather than inheriting freedom, businesses, homes, land, wealth.

919
00:52:16.579 --> 00:52:25.446
They say that nearly 80 percent of people in the world would die with two things, bills and benefits, and the benefits are only enough to take care of partial of the bills.

920
00:52:27.306 --> 00:52:29.087
So forget all that other stuff, man.

921
00:52:29.428 --> 00:52:30.348
Okay, you were rich.

922
00:52:30.709 --> 00:52:31.009
Okay.

923
00:52:31.209 --> 00:52:32.270
Or you was making a lot of money.

924
00:52:32.350 --> 00:52:32.630
Okay.

925
00:52:32.890 --> 00:52:34.372
What are you leaving behind?

926
00:52:34.412 --> 00:52:36.253
Like, who benefits off of this?

927
00:52:36.293 --> 00:52:41.357
And me as a man, my beliefs as a Christian man, all that other stuff is good.

928
00:52:41.417 --> 00:52:42.798
New York Times, man, I would love it.

929
00:52:42.978 --> 00:52:43.979
I would so love it.

930
00:52:44.400 --> 00:52:47.262
Oh, man, he got a million followers on YouTube.

931
00:52:47.322 --> 00:52:47.842
That's cool.

932
00:52:47.902 --> 00:52:48.022
Yeah.

933
00:52:48.966 --> 00:52:59.854
But if I look at my kids and my kids still got to go to college and pay and borrow money to go to college, if I look at my kids and they turn 25 and they're not homeowners after everything that I've learned and know, I failed.

934
00:53:01.435 --> 00:53:08.200
So if you don't get out of paycheck to paycheck, you're just passing that habit down to your child and then your child's passing that down to your grandchildren.

935
00:53:09.696 --> 00:53:11.418
Your why gotta be so deep.

936
00:53:11.539 --> 00:53:17.366
My why includes the great, great grands I'll never meet, but they will know my name because I changed our family tree.

937
00:53:17.727 --> 00:53:18.869
You know what's really interesting?

938
00:53:19.750 --> 00:53:21.372
So there's, I love frameworks.

939
00:53:21.412 --> 00:53:23.655
Frameworks are always good in the book.

940
00:53:23.715 --> 00:53:27.000
And if you get the book, you'll understand this framework in depth, but there's

941
00:53:27.821 --> 00:53:29.763
five phases to wealth.

942
00:53:29.783 --> 00:53:35.672
You got stabilize, eliminate consumer debt, build savings and a financial rhythm, invest, all very good.

943
00:53:36.332 --> 00:53:37.434
But the last one is legacy.

944
00:53:37.734 --> 00:53:38.155
Absolutely.

945
00:53:38.495 --> 00:53:40.098
This is really interesting to me because

946
00:53:42.342 --> 00:53:45.324
I don't think a lot of people really understand what legacy means.

947
00:53:45.344 --> 00:53:46.365
They don't focus on it.

948
00:53:46.405 --> 00:53:50.929
They're not selfish, but a little bit selfish, focusing on surviving now.

949
00:53:51.529 --> 00:53:56.313
And even, you know, you look at Hermosi's, like, I don't care about legacy because I'm going to be forgotten.

950
00:53:57.113 --> 00:54:02.257
So it's interesting because everything that's your why is actually not you.

951
00:54:02.277 --> 00:54:02.398
Right.

952
00:54:03.178 --> 00:54:05.200
It's your legacy and your kit.

953
00:54:05.600 --> 00:54:11.205
Why do you, one, have a radically different opinion on legacy than somebody like Hermosi?

954
00:54:11.546 --> 00:54:12.526
Why is it important?

955
00:54:13.167 --> 00:54:20.734
But two, why is that more important to you than your own life?

956
00:54:22.455 --> 00:54:25.138
Why is your kid's life, your grandkid's life?

957
00:54:25.885 --> 00:54:30.108
I think for me, man, it's just my spiritual backing.

958
00:54:30.128 --> 00:54:37.153
You know, being a Christian, I do believe that it is my responsibility to leave an inheritance to his children's children.

959
00:54:38.134 --> 00:54:42.577
And when I look at myself, I don't know my great grandfather's name.

960
00:54:43.437 --> 00:54:45.799
Hell, if I'm being honest, I really don't know my granddad's name.

961
00:54:46.479 --> 00:54:47.400
I know it, but I don't know it.

962
00:54:49.636 --> 00:54:53.518
But I can name people who have impacted me who I've never met who are dead.

963
00:54:53.639 --> 00:54:55.520
And they were dead before I even met them.

964
00:54:56.200 --> 00:54:56.941
If that makes sense.

965
00:54:57.301 --> 00:54:57.861
I read a book.

966
00:54:58.922 --> 00:55:00.443
I listen to old podcasts.

967
00:55:01.303 --> 00:55:09.468
And I'm like, man, I want my children talking to their children and then their children talking to their children about what I did.

968
00:55:11.269 --> 00:55:13.811
And I say this respectfully.

969
00:55:13.831 --> 00:55:15.212
I have great parents.

970
00:55:15.232 --> 00:55:15.412
Right.

971
00:55:16.933 --> 00:55:21.014
But they didn't set me up to win financially.

972
00:55:21.474 --> 00:55:22.734
They set me up spiritually.

973
00:55:22.914 --> 00:55:25.555
They set me up and taught me how a man should be.

974
00:55:26.055 --> 00:55:28.756
But man, I didn't get no head start in life.

975
00:55:30.076 --> 00:55:33.217
So for me, man, let me be honest though with you, bro.

976
00:55:34.217 --> 00:55:37.638
I'm just now getting to this point of thinking like this.

977
00:55:38.318 --> 00:55:40.458
In my 20s, I was like, I'm always like, I don't give a damn.

978
00:55:40.718 --> 00:55:41.278
That's what I said.

979
00:55:41.298 --> 00:55:41.879
I don't care.

980
00:55:42.419 --> 00:55:42.599
What?

981
00:55:43.099 --> 00:55:43.319
No.

982
00:55:44.105 --> 00:55:49.251
And as I evolved, as I grew closer to God, I'm like, wait, this life has to be bigger than me.

983
00:55:50.692 --> 00:55:53.476
What I'm building should not only benefit me.

984
00:55:54.611 --> 00:55:59.836
It should benefit not just my family, wife and children, but it should also benefit my community.

985
00:55:59.856 --> 00:56:01.498
It should also benefit my peers.

986
00:56:01.919 --> 00:56:03.660
It should also benefit my church.

987
00:56:03.740 --> 00:56:06.043
It should also benefit people beyond me.

988
00:56:06.783 --> 00:56:07.624
So I say, you know what?

989
00:56:08.505 --> 00:56:09.006
Let's do it.

990
00:56:09.266 --> 00:56:10.147
And I'll tell you this much.

991
00:56:10.667 --> 00:56:15.072
When I got that philosophy that this is bigger than me, I started making more money.

992
00:56:16.708 --> 00:56:18.110
Because it was no longer selfish.

993
00:56:18.851 --> 00:56:24.257
It was, yo, I'm building something that benefits others as well.

994
00:56:25.118 --> 00:56:28.763
Prime example, I don't have any kids, but I have a 529.

995
00:56:28.783 --> 00:56:29.423
I have five of them.

996
00:56:33.878 --> 00:56:38.142
I need to get an extra one because we just had a new baby added to our family.

997
00:56:38.222 --> 00:56:39.143
I have two siblings.

998
00:56:39.663 --> 00:56:42.366
My younger sister, she has four kids.

999
00:56:42.546 --> 00:56:43.947
My younger brother has one.

1000
00:56:44.888 --> 00:56:52.175
And so I opened up five 529s because I don't give my nephews and niece any toys.

1001
00:56:53.718 --> 00:56:54.699
I think Theo's the oldest.

1002
00:56:54.719 --> 00:56:56.560
I think he's right around 13 years old now.

1003
00:56:57.501 --> 00:56:59.742
Since he's been born, I've never given him anything.

1004
00:57:00.763 --> 00:57:04.005
But every year, I put a lot of money inside of his 529.

1005
00:57:04.465 --> 00:57:17.954
So when he graduates high school, when I will go to his graduation, I'm going to give him an envelope with a number on it saying, hey, that's how much money you have to either go to school or to put into a Roth IRA for your future.

1006
00:57:19.075 --> 00:57:20.076
So now his uncle's,

1007
00:57:21.318 --> 00:57:36.762
gives him maybe by that time, if I'm being for real, not exaggerating, $75,000 that I only put maybe $16,000, $18,000 in, but because of the power of compound interest.

1008
00:57:37.463 --> 00:57:44.525
Now that's legacy because now he's going to understand like, whoa, wait, my uncle gave me $75,000.

1009
00:57:47.295 --> 00:57:50.976
I don't know too many people who can say that their uncle gave them $75,000.

1010
00:57:52.156 --> 00:57:54.176
But then let's talk about this guy that had one more left.

1011
00:57:55.717 --> 00:58:01.378
That $15,29, the beneficiary of that is going to my estate, my trust.

1012
00:58:02.298 --> 00:58:04.639
But that $15,29 is for my first child.

1013
00:58:05.659 --> 00:58:11.540
Can you imagine the kind of conversation me and that child would be whether it would be a boy or a girl?

1014
00:58:12.315 --> 00:58:17.196
that when they graduate high school, that they'll have a check for at least a quarter million dollars by then.

1015
00:58:19.256 --> 00:58:21.137
Do you understand what they're asking dad?

1016
00:58:21.197 --> 00:58:23.717
Why did you do that?

1017
00:58:23.737 --> 00:58:26.897
The thought that I can say, hey, listen, before I even met your mom, I was thinking about you.

1018
00:58:28.778 --> 00:58:41.440
That I refused to go out and to go party in my younger years, to go drop money on this, to go buy that, because I wanted to make sure that you start off life differently than what your mother and I started off with.

1019
00:58:42.787 --> 00:58:50.670
Now, when they get a job, now, when they start evolving, before they even think about even relationships, what are they going to do?

1020
00:58:51.210 --> 00:58:52.251
Open up a 529.

1021
00:58:53.831 --> 00:58:55.192
Now, I gave them a quarter million.

1022
00:58:55.212 --> 00:58:58.853
By the time they have a kid, they're giving their kids a half a million.

1023
00:59:01.017 --> 00:59:01.797
Then it just repeats.

1024
00:59:01.817 --> 00:59:03.358
He said, everyone up for success.

1025
00:59:03.778 --> 00:59:04.559
That's legacy.

1026
00:59:05.619 --> 00:59:06.700
I just planted the seed.

1027
00:59:07.960 --> 00:59:12.142
Now, which I respect Hermonzi.

1028
00:59:12.662 --> 00:59:18.245
He's built something amazing, so I'm never going to knock someone's philosophy, but it's not really just about the thought.

1029
00:59:19.505 --> 00:59:22.967
It's about what did the O'Neal family generate?

1030
00:59:25.168 --> 00:59:27.849
My great-great-great-grandchildren probably would never hear my name.

1031
00:59:29.313 --> 00:59:36.179
but they'll never know what that looks like because I started something different in my generation that got down to them.

1032
00:59:36.999 --> 00:59:38.961
And to me, that's legacy.

1033
00:59:39.141 --> 00:59:42.444
You ain't got, you don't have to know my name, but you will feel my impact.

1034
00:59:43.124 --> 00:59:48.729
How has your life changed when you started to pursue something that was bigger than just you?

1035
00:59:49.970 --> 00:59:51.091
Did it make the why easier?

1036
00:59:52.312 --> 00:59:57.997
It made the why easier, but it also made the journey a little bit harder, if it makes sense.

1037
00:59:58.850 --> 01:00:03.112
Because when the obstacles come, I say, well, dang, I ain't got to do this.

1038
01:00:03.572 --> 01:00:04.033
I'm good.

1039
01:00:05.293 --> 01:00:08.935
You know, but I push through easier, man.

1040
01:00:09.455 --> 01:00:13.657
You take on bigger challenges, but you can push through them.

1041
01:00:13.998 --> 01:00:14.338
For sure.

1042
01:00:14.358 --> 01:00:16.619
You know, how do I say this?

1043
01:00:18.280 --> 01:00:19.300
You probably wouldn't even believe it.

1044
01:00:19.340 --> 01:00:22.022
Your team was saying, dang, you don't look 42.

1045
01:00:22.342 --> 01:00:24.323
If you would have saw me two years ago, I looked like I was 42.

1046
01:00:24.343 --> 01:00:24.443
Yeah.

1047
01:00:25.881 --> 01:00:32.445
I'm 5'7", right, and I weighed 200 pounds.

1048
01:00:32.505 --> 01:00:32.785
200.

1049
01:00:33.145 --> 01:00:34.286
Thought I was having a heart attack.

1050
01:00:35.527 --> 01:00:37.508
Went to the hospital to only find out I had gas.

1051
01:00:39.129 --> 01:00:42.451
Came back the next day, looked at that bill, I was upset.

1052
01:00:44.092 --> 01:00:48.174
Saw my primary care doctor and she told me, Anthony, if you keep this up, you'll be dead before 50.

1053
01:00:49.255 --> 01:00:50.636
It'll be a real heart attack next time.

1054
01:00:51.136 --> 01:00:51.336
Yeah.

1055
01:00:52.640 --> 01:00:54.341
She said, I need you to lose at least 40 pounds.

1056
01:00:55.041 --> 01:00:56.542
I was like, 40 pounds?

1057
01:00:57.542 --> 01:00:58.223
Got my trainer.

1058
01:01:01.044 --> 01:01:04.405
He said, hey, man, you're just going to run for the next 30 days.

1059
01:01:04.445 --> 01:01:05.906
You're going to wake up every single day.

1060
01:01:05.926 --> 01:01:07.387
You're going to run for 40 minutes.

1061
01:01:07.887 --> 01:01:10.068
You're going to do 100 push-ups, 100 sit-ups, and that's it.

1062
01:01:10.488 --> 01:01:11.368
I said, man, this ain't sexy.

1063
01:01:11.889 --> 01:01:12.489
I'm a man.

1064
01:01:12.629 --> 01:01:14.190
I need, man, put me on a bench.

1065
01:01:14.230 --> 01:01:15.010
I need to bench press.

1066
01:01:15.470 --> 01:01:16.351
I need to do some squats.

1067
01:01:16.731 --> 01:01:17.711
I'm a man running.

1068
01:01:18.011 --> 01:01:18.672
I ain't no woman.

1069
01:01:18.872 --> 01:01:19.552
I ain't no chump.

1070
01:01:20.573 --> 01:01:21.033
I said, okay.

1071
01:01:21.474 --> 01:01:22.254
Ran for a week.

1072
01:01:22.715 --> 01:01:24.556
Man, my calves, I'm hurting.

1073
01:01:25.277 --> 01:01:27.019
I called him and said, man, forget this.

1074
01:01:27.239 --> 01:01:27.739
I'm good.

1075
01:01:28.480 --> 01:01:29.180
I ain't doing this.

1076
01:01:29.200 --> 01:01:30.562
He said, okay.

1077
01:01:31.983 --> 01:01:32.663
See how long you live?

1078
01:01:34.725 --> 01:01:37.428
I said, man, whatever.

1079
01:01:37.448 --> 01:01:38.168
Get off the phone.

1080
01:01:38.368 --> 01:01:38.989
I go a week.

1081
01:01:39.669 --> 01:01:41.111
I go back to doing what I was doing.

1082
01:01:42.472 --> 01:01:43.593
Had heartburns again.

1083
01:01:43.953 --> 01:01:44.954
I said, oh, shoot.

1084
01:01:46.353 --> 01:01:54.739
I'll never forget, I was eating some chicken, macaroni and cheese, collard greens, and a pound cake.

1085
01:01:56.521 --> 01:02:00.844
And I looked at that fool and I said, it won't be you who kills me.

1086
01:02:01.845 --> 01:02:05.787
It'll be my decision to continue eating you that kills me.

1087
01:02:07.229 --> 01:02:08.129
Called that man back.

1088
01:02:08.269 --> 01:02:10.951
I said, listen, I ain't ready to die.

1089
01:02:11.572 --> 01:02:13.193
I want to live as long as I can.

1090
01:02:14.832 --> 01:02:15.873
I got back in that gym.

1091
01:02:16.913 --> 01:02:24.179
And every time my feet started hurting, my feet started swelling, my body started aching, I said, man, I want to live.

1092
01:02:25.419 --> 01:02:34.246
And I think that's the kind of mindset you got to have is what is your why and what's going to keep pushing you when you feel like quitting, when you feel like giving up.

1093
01:02:35.423 --> 01:02:43.485
And as long as you do that, and as long as you follow the plan that's inside the book on the finances, stop living paycheck to paycheck, or even if you get somebody else's book, I don't care.

1094
01:02:44.085 --> 01:02:55.547
The key thing that I really want your audience to get is to get their why and then find a plan or a strategy that they align with and stick to that plan and strategy so you can get to your why.

1095
01:02:56.328 --> 01:02:58.168
My ultimate goal in life.

1096
01:02:59.132 --> 01:03:07.365
is to get to a point to where I no longer have to exchange my time for money because my money bought back me and my family's time.

1097
01:03:08.026 --> 01:03:10.069
And that's my ultimate goal.

1098
01:03:10.890 --> 01:03:12.132
Where can people connect with you?

1099
01:03:12.568 --> 01:03:14.790
Man, they can connect with me on Anthony O'Neill dot com.

1100
01:03:14.850 --> 01:03:19.454
And if they're looking for, let's say they are struggling, they don't have 20 bucks to purchase a book.

1101
01:03:19.514 --> 01:03:20.995
Well, we need to get you that 20 bucks.

1102
01:03:21.015 --> 01:03:26.299
But there's a lot of free resources on my page that will get you started in a healthy way.

1103
01:03:27.540 --> 01:03:29.602
And you go there, find my podcast.

1104
01:03:29.622 --> 01:03:30.763
We got to have you on my show, bro.

1105
01:03:32.023 --> 01:03:33.864
and just that's where you can find everything.

1106
01:03:33.984 --> 01:03:39.805
All my social media channels, podcasts, a lot of freebies, anthonyonell.com.

1107
01:03:40.105 --> 01:03:42.906
If you had to, you know, you don't have kids yet.

1108
01:03:42.926 --> 01:03:47.987
You've spoken a couple times about legacy and having kids, and this is the last thing I want you to leave the audience with.

1109
01:03:48.007 --> 01:03:50.728
You've given over so much a thank you.

1110
01:03:51.988 --> 01:03:59.010
If you could only pass on one lesson to your kids, the most important lesson, you can only pass on this one.

1111
01:03:59.810 --> 01:04:00.611
What would it be and why?

1112
01:04:01.011 --> 01:04:05.554
The caliber of your future will be determined by the decisions that you made today.

1113
01:04:07.416 --> 01:04:12.439
That today at 20, your 80-year-old self is depending on those decisions.

1114
01:04:14.381 --> 01:04:22.807
And that your father at 42 was paying for decisions that he made at 19, which will impact his 80-year-old self.

1115
01:04:24.488 --> 01:04:29.272
If you want freedom, if you want a joyful life, a fun life, a prosperous life,

1116
01:04:30.346 --> 01:04:37.570
a life that is in your own hands, you've got to make the decisions today because those decisions do compound.

1117
01:04:38.370 --> 01:04:40.391
And you went positive when you get there.

1118
01:04:40.551 --> 01:04:41.592
You don't want to be in the negative.