The Table with Anthony ONeal

In this episode, Anthony breaks down the five rules he used to leave his career with money in the bank, including how to calculate your “freedom exit number,” why consumer debt can keep you trapped in a job you hate, and how paying off payments can shrink a seven-year exit plan to just 15 months. He also explains how to use your current paycheck to fund your next move, prepare for the benefits you’ll lose when you leave, and recognize the situations where your health or safety matter more than hitting the perfect number. The goal is not just to quit. It is to leave with peace, options, and a real plan for what comes next.

Mentioned Here:

📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 

📄Get Life Insurance in 10 Minutes: https://www.anthonyoneal.com/lifeinsurance

KEY POINTS 

00:00 – Introduction: Anthony made six figures and still couldn’t afford to quit his job 

00:00 – Calculate your “Freedom Exit Number”: 3–6 months of take-home pay 

04:59 – Rule #1: Never quit on a feeling. Quit on a number 

15:29 – Rule #2: Kill the payments keeping you tied to your paycheck 

20:38 – Rule #3: Make your current job pay for your exit

20:38 – Test your business or next career before giving up your paycheck 

25:55 – Rule #4: Count what your paycheck quietly buys, especially benefits 

30:51 – Rule #5: Know when health or safety means you need to leave sooner 

35:58 – Why leaving correctly gives you the freedom to pursue your purpose

QUOTES: 

“Quitting doesn't hand you clarity; it hands you a deadline. Quitting doesn't hand you freedom; without proper strategy, it hands you a headache.” – Anthony O’Neal

“I would rather you step down and breathe than stay and break.” – Anthony O’Neal

ABOUT ANTHONY ONEAL:

Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: [email protected] 

🤝 SPONSOR THE TABLE PODCAST: [email protected] 

Connect With Anthony:

👉 Website: https://www.anthonyoneal.com 

📸 Instagram: https://www.instagram.com/anthonyoneal 

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 

🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 

📞 Call In & Be On The Show: (771)-224-8131

TRUSTED PARTNERS:

These tools help you win with money:

- SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings 

- Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly 

- Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff 

- MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo 

- Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos 

- BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp 

Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community!

⚠️ GENERAL DISCLAIMER

This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions.

Arian Simone joins Anthony O’Neal for a conversation on how she went from a financially savvy family and a profitable college business to living in her car at 23, and how that experience permanently changed how she thinks about security, debt, investing, and entrepreneurship. They unpack the lessons she inherited from generations of women who built wealth, why she believes access to capital matters, the mistake that taught her not to play small, and why real financial freedom is less about looking successful and more about having options when life goes left.

KEY POINTS 

00:00 – Introduction: Arian Simone joins Anthony on The Table

02:28 – From full-ride scholarships to living in her car at 23

05:35 – The grandmother who built wealth and paid for college debt-free

11:27 – Seven months homeless, rock bottom, and the faith that carried her through

13:19 – Why access to capital matters and the mission behind Fearless Fund

22:00 – Venture capital explained: cash, equity, and ownership

28:13 – The profitable business Arian closed because she thought she failed

33:11 – The $10M opportunity that taught her not to play small

38:49 – How living in her car changed her approach to debt and security

44:18 – Two paths to wealth: entrepreneurship and generational financial habits

QUOTES: 

“Everybody's not free from disruption. Disruption can hit your life at any point in time.” – Arian Simone 

“You need to be very careful when you choose who you want to align with your vision.” – Arian Simone

GUEST RESOURCES: 

Arian Simone 

Website | https://www.ariansimone.com/ 

IG | https://www.instagram.com/ariansimone/

ABOUT ANTHONY ONEAL:

Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: [email protected] 

🤝 SPONSOR THE TABLE PODCAST: [email protected] 

Connect With Anthony:

👉 Website: https://www.anthonyoneal.com 

📸 Instagram: https://www.instagram.com/anthonyoneal 

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 

🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 

📞 Call In & Be On The Show: (771)-224-8131

TRUSTED PARTNERS:

These tools help you win with money:

- SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings 

- Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly 

- Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff 

- MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo 

- Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos 

- BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp 

Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community!

⚠️ GENERAL DISCLAIMER

This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions.

If you owe more on your car than it’s worth, trading it in may not solve the problem. It can roll thousands of dollars of old debt straight into your next loan. In this episode, Anthony breaks down how car debt keeps people trapped, the three numbers you need to know before your next move, and four practical steps to decide whether to keep the car, sell it, close the gap, and eventually break the car-payment cycle for good. He also shares how he went from making six figures with nothing left before the end of the month to building a life where his cars no longer control his financial future. 

MENTIONED HERE

📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 

🚗Stop Overpaying
For Car Insurance: https://www.anthonyoneal.com/carinsurance 

QUOTES: 

“A $4,000 car that you own beats a $44,000 car that owns you. Every single day of the week.” – Anthony O’Neal

“Nobody out there was foolish. We were all optimizing for how it looked in the driveway instead of what it left us in our account.” – Anthony O’Neal

ABOUT ANTHONY ONEAL:

Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: [email protected] 

🤝 SPONSOR THE TABLE PODCAST: [email protected] 

Connect With Anthony:

👉 Website: https://www.anthonyoneal.com 

📸 Instagram: https://www.instagram.com/anthonyoneal 

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 

🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 

📞 Call In & Be On The Show: (771)-224-8131

TRUSTED PARTNERS:

These tools help you win with money:

- SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings 

- Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly 

- Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff 

- MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo 

- Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos 

- BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp 

Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community!

⚠️ GENERAL DISCLAIMER

This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions.

If Anthony O’Neal had to start investing from scratch in September 2026, this is exactly how he’d do it. 

Anthony breaks down his simple 80/20 investing strategy, what he would do with his first $500, where to find extra money in your existing budget, and why waiting for the “perfect” time to enter the market could cost you years of growth. He also explains the order of accounts he would prioritize, how an emergency fund protects your investments, and how consistently investing just $107 a month could potentially grow into more than $250,000 over 30 years. This episode is a practical roadmap for anyone who wants to stop overthinking investing and start building real wealth with the money they have today.

MENTIONED HERE

• 🚗Stop Overpaying
For Car Insurance: https://www.anthonyoneal.com/carinsurance 
• 📈 Start Investing Today: https://www.anthonyoneal.com/invest 
• 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book

KEY POINTS 

00:00 – Introduction: How Anthony would invest his first $500 using an 80/20 strategy

03:38 – Why you can apply the same investing formula even if you only have $25 or $100

05:47 – Why boring, low-cost index funds can become the foundation of long-term wealth

18:04 – How to find your first $500 without getting a raise or starting a side hustle

18:25 – Four everyday expenses that may be quietly eating up your investing money

28:13 – Why an all-time market high is not automatically a reason to wait

31:27 – Why an emergency fund gives you the ability to stay invested when markets fall

35:37 – The order Anthony recommends: 401(k) match → Roth IRA → brokerage account

37:17 – How $107 a month could potentially grow to roughly $252,000 over 30 years

40:02 – The 3 investing mistakes that can destroy a good strategy

QUOTES: 

“The schedule is the strategy, and your feelings are not.” – Anthony O’Neal 

“Your emergency fund is not a savings goal. It's what buys you the right to hold on. It protects your peace.” – Anthony O’Neal

“Time in the market beats the amount you put in every single time.” – Anthony O’Neal

ABOUT ANTHONY ONEAL:

Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: [email protected] 

🤝 SPONSOR THE TABLE PODCAST: [email protected] 

Connect With Anthony:

👉 Website: https://www.anthonyoneal.com 

📸 Instagram: https://www.instagram.com/anthonyoneal 

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 

🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 

📞 Call In & Be On The Show: (771)-224-8131

TRUSTED PARTNERS:

These tools help you win with money:

- SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings 

- Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly 

- Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff 

- MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo 

- Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos 

- BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp 

Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community!

⚠️ GENERAL DISCLAIMER

This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions.

Can you really buy a home with $0 down without putting yourself in a bad financial position? 

In this episode, Anthony sits down with Coalition Properties Group to break down how 100% financing works, what lenders actually want to see, and how to prepare yourself to buy within the next six months. They unpack credit scores, savings, debt-to-income ratios, PMI, tax returns and P&L statements for entrepreneurs, plus why writing everything off can hurt your ability to qualify. Anthony also shares how getting a second mortgage quote saved him $1,000 a month, and the group explains renovation loans, property management costs and how to know when owning more real estate is no longer worth the stress. 

MENTIONED HERE:

💸 Download my 5 free scripts to lower your monthly bills and put more money back in your pocket: https://www.anthonyoneal.com/5scripts

🎥 Ready to level up your content? Book your next shoot at https://www.neatnessstudios.com/ 

📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book

KEY POINTS 

00:00 – Introduction: How 100% financing works and when it makes sense

04:15 – Why $0 down still requires money in the bank

10:49 – The 640 credit score and savings benchmarks lenders want

04:58 – How debt-to-income affects what you can afford

11:44 – How to get mortgage-ready in the next six months

21:05 – Why tax write-offs can hurt entrepreneurs at closing

26:19 – What self-employed buyers need to prove their income

32:56 – How Anthony saved $1,000 a month by negotiating

17:39 – How to know when you own too much real estate

35:32 – How renovation loans can help you buy and upgrade a home

QUOTES: 

“I'm already living paycheck to paycheck. Let me go buy this asset. When really I don't have the means to take care of the asset. Now the asset becomes a liability.” – Anthony O’Neal

“What if I was just hoping it and just doing what the average everyday social media world says, just write off everything and come zero?” – Anthony O’Neal

ABOUT ANTHONY ONEAL:

Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: [email protected] 

🤝 SPONSOR THE TABLE PODCAST: [email protected] 

Connect With Anthony:

👉 Website: https://www.anthonyoneal.com 

📸 Instagram: https://www.instagram.com/anthonyoneal 

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 

🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 

📞 Call In & Be On The Show: (771)-224-8131

TRUSTED PARTNERS:

These tools help you win with money:

- SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings 

- Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly 

- Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff 

- MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo 

- Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos 

- BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp 

Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community!

⚠️ GENERAL DISCLAIMER

This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions.

Saving money matters, but at some point, keeping too much cash in the bank can work against your financial goals. 

In this episode of The Table, Anthony O’Neal breaks down how much you really need in emergency savings, why inflation quietly eats away at idle cash, and what to do with the money you have above that number. He explains his three-tier emergency fund strategy, the difference between saving and building wealth, and why fear can sometimes disguise itself as financial wisdom. Anthony also opens up about his own experience hoarding cash instead of investing and why building wealth today is ultimately about creating freedom, security and a stronger legacy for your family.

MENTIONED HERE:

- 💸 Download my 5 free scripts to lower your monthly bills and put more money back in your pocket: https://www.anthonyoneal.com/5scripts

- 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book

- 💰 Find the best High-Yield Savings Accounts: https://www.anthonyoneal.com/savings



KEY POINTS 

00:00 – Introduction

00:00 – 60% of Americans Can’t Cover a $1,000 Emergency

00:00 – How Inflation Quietly Costs You Money

00:00 – Why Consumer Debt Comes Before Investing

00:00 – Why Your Emergency Fund Belongs in a High-Yield Savings Account

05:12 – How to Calculate Your Real Emergency Fund

05:12 – The $250,000 FDIC Insurance Limit

10:16 – How Your Savings Balance Changes Your Spending

10:16 – Why You Should Automate Money You Know You’ll Spend

10:16 – The Order: Debt-Free → Emergency Fund → Investing

15:05 – How Fear Kept Anthony From Investing

20:29 – Finding Your Freedom Number

QUOTES 

“There's a number where safe turns into unwise. Safe turns into stuck.” — Anthony O’Neal 

“Saving protects you and your family. Building grows you and your family. These are not the same things.” — Anthony O’Neal 

“Your money isn't just a number in the app; it's stewardship. What you do with the surplus says whether you're building towards financial freedom, or you're building towards true freedom, or just building a bigger pile of fear.” — Anthony O’Neal 

ABOUT ANTHONY ONEAL:

Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: [email protected] 

🤝 SPONSOR THE TABLE PODCAST: [email protected] 

Connect With Anthony:

👉 Website: https://www.anthonyoneal.com 

📸 Instagram: https://www.instagram.com/anthonyoneal 

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 

🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 

📞 Call In & Be On The Show: (771)-224-8131

TRUSTED PARTNERS:

These tools help you win with money:

- SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings 

- Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly 

- Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff 

- MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo 

- Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos 

- BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp 

Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community!

⚠️ GENERAL DISCLAIMER

This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions.

Waiting to pay off debt is costing you more than you think. 

In this episode of The Table, Anthony O’Neal breaks down what carrying high-interest consumer debt can cost you every year, why avoidance and shame keep people stuck, and what that same money could become if it were redirected toward building your future. He shares his five-step plan for attacking debt, including calculating your “waiting tax,” using the debt snowball, finding margin in your budget, building an emergency buffer, and setting a real debt-free deadline. Financial freedom doesn’t begin when you finally have enough money. It begins when you decide to stop waiting.

Mentioned Here: 

- 💸 Download my 5 free scripts to lower your monthly bills and put more money back in your pocket: https://www.anthonyoneal.com/5scripts

- 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 

- 🔵 Join The Freedom Circle™ for weekly coaching, a proven financial roadmap, and a community to help you follow through: https://www.anthonyoneal.com/freedomcircle

KEY POINTS 

00:00 – Introduction: The Hidden Cost of Carrying Credit Card Debt

00:36 – Why Your Monthly Payment Hides the Real Cost of Debt

05:35 – How Debt Keeps Your Paycheck Working for Lenders

07:25 – What $185 a Month Could Become If You Invested It Instead

10:31 – How Shame and Avoidance Keep You Stuck in Debt

11:05 – Why Waiting Makes Your Debt More Expensive

12:08 – Anthony’s 5-Step Plan to Attack Consumer Debt

12:56 – Building Momentum, an Emergency Buffer, and a Debt-Free Deadline

20:59 – How One Couple Paid Off $34,000 and Changed Their Future

QUOTES 

“The balance, honestly, isn't the thing that's killing you. It's the waiting that's killing you.” — Anthony O’Neal 

“It's not always about how much you earn. It's about how many hands touch your check before you do.” — Anthony O’Neal 

“Debt doesn't just charge you interest; it changes your options.” — Anthony O’Neal 

“Waiting doesn't protect you from pain; it delays it and makes it more expensive.” — Anthony O’Neal 

“Financial freedom is a decision before it's a destination, and it's available to you right now, not next year.” — Anthony O’Neal 

Social media is full of people promising fast money, six-figure months and millionaire lifestyles. Anthony O’Neal says the numbers tell a very different story: Americans can earn well and still have little margin, heavy debt and no real financial security.

In this episode, Anthony steps into professor mode to break down his five-phase Escape Plan for building financial freedom in the right order. Using the real-life example of a 34-year-old earning $6,000 a month but spending $6,400, Anthony walks through how to create margin, eliminate consumer debt, build an emergency fund, invest consistently and prepare a legacy that protects the people you love. The goal isn’t to look rich. It’s to build a financial life strong enough to give you freedom, security and options.

Mentioned Here:

📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 

📱 Download the In The Black App (your daily money coach): https://www.anthonyoneal.com/intheblack

KEY POINTS

00:00 – Introduction

02:38 – The Real Numbers: 63% of Americans Are Living Paycheck to Paycheck

04:39 – Why Making Good Money Means Nothing If You Can’t Keep It

05:24 – Marcus’ Money Problem: $6,000 Coming In, $6,400 Going Out

07:51 – Anthony’s Five-Phase Escape Plan for Building Financial Freedom

11:26 – Phase 1: How to Control Your Cash Flow and Create Monthly Margin

13:58 – Phase 2: Using the Debt Snowball to Eliminate Consumer Debt

17:22 – Phase 3: Building a Safety Net of 3–6 Months of Take-Home Pay

20:40 – Phase 4: When to Start Investing and Building Real Wealth

24:35 – Phase 5: Building a Legacy That Protects Your Family After You’re Gone

QUOTES 

“The payment doesn't disappear when the debt disappears. What does it do? It just gets promoted to the next one until you are consumer debt-free.” – Anthony O’Neal

“Your children [are] going to inherit your habits before they inherit your assets.” – Anthony O’Neal

“You got to be so focused for a season, not forever, but for a season, that you can change your life.” – Anthony O’Neal

“Freedom is about passing down not just wealth, but legacy, but wisdom, access, real estate.” – Anthony O’Neal

ABOUT ANTHONY ONEAL:

Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: [email protected] 

🤝 SPONSOR THE TABLE PODCAST: [email protected] 

Connect With Anthony:

👉 Website: https://www.anthonyoneal.com 

📸 Instagram: https://www.instagram.com/anthonyoneal 

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 

🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 

📞 Call In & Be On The Show: (771)-224-8131

TRUSTED PARTNERS:

These tools help you win with money:

- SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings 

- Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly 

- Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff 

- MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo 

- Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos 

- BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp 

Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community!

⚠️ GENERAL DISCLAIMER

This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions.

In this episode of The Table, Anthony O’Neal breaks down the jobs facing the greatest exposure to AI, why he believes this shift is already happening, and how everyday investors can think about getting on the wealth-building side of the transition. He shares five AI-related stocks under $100 at the time of recording, including one under $10, plus two ETFs for investors who would rather spread their risk across multiple companies.

But Anthony isn’t saying to chase hype. He walks through the financial foundation you should have in place before investing, how to approach higher-risk stocks without gambling your paycheck, and four questions to ask before putting your money into any AI investment. The goal is simple: prepare for disruption, protect what you’ve built, and position yourself for the opportunities on the other side.

Mentioned Here: 

• 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 
• 📈 Start Investing Today: https://www.anthonyoneal.com/invest 

KEY POINTS

00:00 – Introduction: AI is already disrupting jobs, but wealth is moving with it

01:48 – Why 7.9 million U.S. jobs could be at risk from AI

02:40 – The jobs with the highest exposure to automation

03:30 – How companies are already replacing customer service work with AI

05:59 – Why Anthony says disruption can become a wealth-building opportunity

10:30 – Five AI stocks under $100 positioned around the AI boom

19:14 – Anthony’s Apple and BlackBerry lesson: why timing can matter

21:20 – Two AI ETFs for investors who don’t want to pick individual stocks

23:59 – Anthony’s five-step foundation for investing without gambling your paycheck

26:45 – Four questions to ask before buying any AI stock

QUOTES 

“Every time technology disrupts an industry, wealth doesn't disappear. It simply moves.” – Anthony O’Neal

“Investing while you're drowning in consumer debt….that's not wealth building. It's just risk on top of risk.” – Anthony O’Neal

ABOUT ANTHONY ONEAL:

Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: [email protected] 

🤝 SPONSOR THE TABLE PODCAST: [email protected] 

Connect With Anthony:

👉 Website: https://www.anthonyoneal.com 

📸 Instagram: https://www.instagram.com/anthonyoneal 

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 

🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 

📞 Call In & Be On The Show: (771)-224-8131

TRUSTED PARTNERS:

These tools help you win with money:

- SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings 

- Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly 

- Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff 

- MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo 

- Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos 

- BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp 

Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community!

⚠️ GENERAL DISCLAIMER

This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions.

In this episode, Anthony O’Neal sits down with Courtney Hale to break down his five-part ETF portfolio and explain how ETFs work, why overlapping funds may not provide real diversification and how everyday investors can build a portfolio designed for growth and protection. They also discuss starting with what you can afford, reviewing your portfolio every six months and avoiding the FOMO that causes investors to chase every new opportunity.

*ETF prices and market information reflect the time of recording and may have changed.

Mentioned Here: 

📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 

📈 Compare Investing Platforms and Buy Your First ETF: https://www.anthonyoneal.com/invest

KEY POINTS

00:00 – Introduction

01:41 – How ETFs simplify investing and why overlapping funds can create overconcentration

03:06 – Why investing should be automated every payday

04:22 – The five jobs in Courtney’s Everyday Investor Portfolio

06:28 – Why beginners should focus on five to seven investments

08:12 – Building the Engine and Accelerator with SPMO and DRAM

13:41 – How one ETF can provide access to a basket of expensive companies

15:07 – Why every portfolio needs downside protection

16:37 – Using the optional Edge category for informed personal opportunities

22:32 – Power Plays, six-month portfolio reviews and the $566.24 portfolio example

29:46 – How FOMO leads investors to abandon their strategy

33:48 – Evaluating where new investments belong and passing the framework to your children

ABOUT ANTHONY ONEAL:

Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: [email protected] 

🤝 SPONSOR THE TABLE PODCAST: [email protected] 

Connect With Anthony:

👉 Website: https://www.anthonyoneal.com 

📸 Instagram: https://www.instagram.com/anthonyoneal 

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 

🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 

📞 Call In & Be On The Show: (771)-224-8131

TRUSTED PARTNERS:

These tools help you win with money:

- SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings 

- Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly 

- Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff 

- MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo 

- Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos 

- BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp 

Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community!

⚠️ GENERAL DISCLAIMER

This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions.