What happens to your investments when the stock market crashes? And should you sell everything, hold cash, or keep investing? 

In this episode of The Table, Anthony O’Neal sits down with investing expert Courtney Hale to break down 5 stocks and ETFs that could help protect your portfolio during a market downturn. From Walmart and Coca-Cola to dividend and utility ETFs, Courtney explains how defensive investing works, why panic-selling can cost you thousands, and how to start building protection with just $100. They also reveal why missing just five of the market's best days could dramatically reduce your long-term returns, how wealthy investors prepare for economic uncertainty, and why protecting your money matters as much as growing it. The goal isn't to predict the next crash. It's to have a strategy before it happens.

Mentioned Here:

• 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 
• 📈 Start Investing Today: https://www.anthonyoneal.com/invest 
• 🎙️ Have an investing question for Anthony & Courtney? Submit yours for a chance to be featured: https://anthonyoneal.com/ask
• 📺 Learn to invest with confidence! Subscribe to Courtney Hale's Investing Uncomplicated YouTube channel: https://www.youtube.com/@Courtney-Hale
• 📈 Join Courtney Hale's FREE Investing Webinar and learn practical strategies to build long-term wealth: https://7figureportfolio.investinguncomplicated.com/

KEY POINTS 

00:00 – 5 defensive investments to help protect your portfolio during a market downturn.

02:15 – Why sitting on cash could cost you more than staying invested.

03:50 – How missing just 5 of the market's best days could cut your returns in half.

07:30 – Why panic-selling your investments is the wrong move.

09:00 – Why Walmart and Coca-Cola could hold up during economic uncertainty.

16:30 – The recovery math: why a 50% loss requires a 100% gain.

17:45 – How XLU, SCHD, and XLP can add defensive exposure to your portfolio.

24:30 – Courtney's $100 investing strategy: splitting it between XLP and XLU.

26:00 – When to shift back toward growth investments and why staying invested matters.

31:30 – How Courtney and Anthony are preparing their families and finances for a downturn.

QUOTES: 

“We have to put defense in place to protect our money. And watch this: that defense then becomes offense because it grows, right?” – Anthony O’Neal

“Although cash isn't moving, prices are still moving, opportunities are still moving, and the biggest risk to your money is not having your money invested when the market goes down.” – Courtney Hale

ABOUT ANTHONY ONEAL:

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

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com 

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

A $500 course helped Rodney go from earning $41,000 in healthcare to a $120,000 construction career without a four-year degree, but the investment was only the beginning. 

On this episode of The Table, Rodney shares how losing his job, preparing for fatherhood and wanting to build a debt-free home gave him the purpose to follow through. He and Anthony unpack career training, interview preparation and why a bigger paycheck matters most when it creates ownership, family security and freedom. 

Mentioned Here:

• 🚀 Ready to make your next career move? Explore Course Careers at anthonyoneal.com/coursecareers. 
• 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book

KEY POINTS 

00:00 – Introduction: Rodney’s $79K salary jump and career pivot

03:27 – Jobless with a baby on the way: the pressure to make a change

04:51 – A debt-free home became the goal behind his career move

13:39 – The $500 course that helped him break into a new field

17:00 – Why money alone wasn’t enough to finish his first course

21:11 – Being rich versus being free: the power of ownership

28:00 – Inside the training: skills, support and job-search preparation

35:01 – Failing the exam, trying again and navigating 14 interviews

43:51 – Why Anthony is rethinking his mortgage and choosing freedom

QUOTES: 

“I always say to my audience and to my community that freedom is always to me better than being rich.” – Anthony O’Neal

“I could either pay to learn and go to school for it, or I could try to break into the industry and get paid to learn. And that's exactly what I'm doing now. Every day is like class.” – Rodney 

ABOUT ANTHONY ONEAL:

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

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com 

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

In this episode, Anthony breaks down his five-phase escape plan to get out of the paycheck-to-paycheck cycle, eliminate consumer debt, build your Freedom Exit Number, invest consistently, and ultimately create a legacy. Using the example of a woman earning $60,000 a year with $43,000 in consumer debt, he shows how changing the order of your money can turn $1,700 a month in payments into money working toward your future. If you’re earning money but still don’t feel financially free, Anthony explains the order he believes can help you get your paycheck back, create margin and finally start building wealth that serves you and your family.

Mentioned Here:

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

- 🔵 Freedom Circle™ - Build your financial future with weekly coaching, accountability, and a proven roadmap: https://www.anthonyoneal.com/freedomcircle 

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

KEY POINTS 

00:00 – Introduction

04:59 – The 300 Rule: monthly lifestyle × 300 = your financial freedom number

10:14 – Can you actually reach your number—and how eliminating payments makes it smaller

14:30 – The order: save 1 month → pay off consumer debt → build 3–6 months → invest

18:30 – What will your number cost you? Anthony opens up about losing relationships while chasing success

20:04 – The four seats at your table: spouse, children, faith, and your circle

26:10 – When you hit your number, will you stop—and what are you stopping for?

31:45 – Decide what your freedom is for before you reach it

QUOTES: 

“Being debt-free is not the end goal, but it is the starting line.” – Anthony O’Neal

“I don't want you serving the lender with your paycheck. I want your paycheck serving you, your family.” – Anthony O’Neal

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

What if the financial goal you’re chasing is actually costing you the life you’re trying to build? 

Anthony O’Neal gets personal about making $1 million in year one, $2 million in year two, and realizing he had no target, no finish line, and no idea what he was really running toward. In this episode, Anthony breaks down how to calculate your own financial number using the 300 rule, determine whether you can realistically get there, shrink the number by eliminating consumer debt, and decide what your life should look like once you reach it. Financial freedom isn’t about chasing more forever. It’s about knowing your number, counting the cost, and building a life where your money gives you back your time, family, faith, and freedom. 

Mentioned Here:

• 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 
• 🔵 Freedom Circle™ - Build your financial future with weekly coaching, accountability, and a proven roadmap: https://www.anthonyoneal.com/freedomcircle 
• Download the In The Black App (your daily money coach): https://www.anthonyoneal.com/intheblack

KEY POINTS 

00:00 – Introduction: Why becoming debt-free is the starting line for financial freedom

04:46 – Why getting your paycheck back starts with getting out of consumer debt

10:08 – How a $60K salary can eliminate $43K of consumer debt

15:09 – How eliminating debt gives you $1,700/month back

20:29 – Building 3–6 months of take-home pay for real financial margin

25:37 – Why investing while carrying high-interest consumer debt can keep you stuck

30:31 – From debt freedom to legacy

QUOTES: 

“I was running towards no target, no finish line. Simply, I was just chasing more and more and more with no target.” – Anthony O’Neal

“Your number is going to have a price, and you need to know that price before you even pay it.”

– Anthony O’Neal

ABOUT ANTHONY ONEAL:

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

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com 

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

A bigger paycheck can make you look successful, but it does not automatically make you wealthy. Anthony breaks down the difference between income and net worth, sharing how he once made six figures and still had nothing left by the end of the month. He explains how lifestyle creep, car payments, and consumer debt quietly eat every raise, then lays out the order for turning income into actual wealth: build margin, create a 3–6 month freedom fund, eliminate consumer debt, and start buying assets that work for you. Financial freedom isn't about how much money passes through your hands; it is about how much stays and what you do with it. 

Mentioned Here:

• 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 
• 💰 Calculate Your Wealth Number: https://www.anthonyoneal.com/start-investing#calculator



KEY POINTS

00:00 – Introduction: Why a good salary and a strong net worth are not the same thing

03:49 – The number most people never track: what you own minus what you owe

10:23 – Why margin matters more than a raise—and how payments keep eating your income

17:37 – The wealth-building shift: let your income rise while keeping your expenses flat

22:19 – How lifestyle creep can leave you looking successful but owning nothing

24:25 – Build margin → save 3–6 months → kill consumer debt → buy assets

27:52 – Why building wealth usually looks boring, unsexy, and consistent

QUOTES: 

“Your income tells you what passes through your hands. Your net worth tells you what stayed.” – Anthony O’Neal

“A payment is your income converting into somebody else's asset.” – Anthony O’Neal

“More income with the same habits builds a more expensive version of the life you are trying to live.” – Anthony O’Neal

ABOUT ANTHONY ONEAL:

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

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com 

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

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: bookings@anthonyoneal.com 

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com 

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

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: bookings@anthonyoneal.com 

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com 

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

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: bookings@anthonyoneal.com 

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com 

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

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: bookings@anthonyoneal.com 

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com 

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

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: bookings@anthonyoneal.com 

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com 

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

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: bookings@anthonyoneal.com 

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com 

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

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 

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

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: bookings@anthonyoneal.com 

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com 

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

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: bookings@anthonyoneal.com 

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com 

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

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: bookings@anthonyoneal.com 

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com 

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Should married couples combine finances, or does keeping money separate offer more protection? Anthony sits down with Durelle and Samantha Bailey - Entrepreneurs, Content Creators, and Hosts of The Bailey Way, to discuss the trust, communication, and shared vision required to build wealth as a team.

After nine years of marriage, Durelle and Samantha reveal why love alone is not enough, how they built six figures in savings and investments by age 31, and why almost every account they own is joint. They also break down their weekly money meetings, personal allowances, major purchase decisions, and plans to create financial options for their daughter before she is even born.

KEY POINTS

00:00 – Introduction: Why love alone is not enough to sustain a marriage

03:47 – How respect and trust guide financial decisions

05:18 – Building wealth around one shared family vision

09:27 – How they saved and invested six figures by age 31

13:55 – Should successful women protect or merge their assets?

17:04 – Why income alone does not make a man marriage-ready

21:08 – Three things men need before marriage and family

30:39 – Their joint accounts, allowances and full transparency

33:43 – How weekly money meetings prevent financial resentment

41:54 – Investing now to give their daughter future options

QUOTES 

“Over time you learn that it's not about feelings, it's not about emotions, it's not even just about being present. It goes far beyond that. It goes to intentionality in your finances, in your planning, in communicating.” – Durelle Bailey 

“When you have the time to build your own vision, then you want to protect that, and you want to make sure you're getting into a relationship, potentially a marriage, with somebody who's going to be able to build that with you.” – Samantha Bailey

Follow Samantha:

IG: https://www.instagram.com/samanthacassandra

TikTok: https://www.tiktok.com/@samanthacassandra_ 

Follow Durelle:

IG: https://www.instagram.com/durellebailey/

TikTok: https://www.tiktok.com/@durellebailey 

The Bailey Way Podcast: 

https://podcasts.apple.com/gb/podcast/the-bailey-way-podcast/id1891519590

https://open.spotify.com/show/4vGAwONisokQkCSIJuUQQD?si=fpLS1SyISGOfj3SxYCOCbg&utm_source=copy-link 

https://youtube.com/@thebaileyway?si=Qeizptouq_LEGJr6 

ABOUT ANTHONY ONEAL:

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

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com 

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

In this episode, Anthony O’Neal reveals the investing mistake that cost him money, time, and stress. He breaks down his move toward index funds, automation and long-term consistency, including how waiting 10 years to invest could mean the difference between roughly $1 million and $400,000.

Anthony also shares what should come before aggressive investing and walks through the 5-step system he uses to eliminate financial anxiety, build a strong foundation and turn investing into a tool for greater freedom, peace and control.

Mentioned Here:

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

KEY POINTS

00:00 – Introduction: Why Anthony changed how he invests

03:05 – The BlackBerry mistake that cost Anthony real money

06:11 – Why Anthony switched from individual stocks to index funds

08:28 – How consistency beats clever investing

10:48 – Why Anthony changed investing platforms

18:43 – Starting at 25 vs. 35: $1 million vs. $400,000

21:53 – What to do before investing aggressively

30:05 – Anthony’s five-step investing plan

QUOTES 

“I stopped trying to be the smartest guy in the room, and I started trying to be the most consistent guy in the room.” – Anthony O’Neal

“Timing did more work for me than cleverness ever did. Timing did more work for me than being smart and going after the sexy, most popular one company.” – Anthony O’Neal

ABOUT ANTHONY ONEAL:

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

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com 

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal 

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Anthony O’Neal breaks down five careers that can pay $80K or more without a college degree, including one with a national median salary of $106,580. But “no degree required” does not mean no investment required. Anthony reveals the training, licensing, risks and starting-pay realities hidden behind the salary headlines, then shares five questions to ask before choosing a new career. Learn how to pursue a higher income without mistaking a promising opportunity for an easy shortcut, and how to choose a path that supports your financial freedom. 

Mentioned Here:

• 📖 Pre-order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book
• 💼 Train for a High-Paying Career Without a College Degree: https://www.anthonyoneal.com/tradeschools

KEY POINTS

00:00 - Introduction

05:03 - Median pay vs. starting pay

06:54 - The real cost of skipping college

08:25 - Job #1: Elevator and escalator repair

11:35 - Job #2: Power plant operator

13:38 - Education, earnings and alternative career paths

18:23 - Job #3: Electrical power-line installer

19:43 - Job #4: Transportation inspector

21:02 - Job #5: Police or sheriff’s officer

24:55 - The five-question career checklist

27:24 - Why more income still needs a plan

QUOTES 

“You can’t come in there expecting to look at the top of the mountain when you just got to the bottom. You haven’t even started climbing yet.” – Anthony O’Neal

“Some jobs pay you for your hands. This particular job pays you for your nerves.” – Anthony O’Neal

“It’s not a degree versus a no degree. It’s investment versus no investment.” – Anthony O’Neal

“Chasing a job without a money plan is upgrading your income into a house with a hole in the roof.” – Anthony O’Neal

“Wealth is built through strategy. Your career is a part of that strategy.” – Anthony O’Neal

ABOUT ANTHONY O'NEAL:

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

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Making six figures does not guarantee financial freedom. Anthony O’Neal knows because he earned six figures selling cars and still lived paycheck to paycheck.

In this episode, Anthony exposes the decisions, cultural pressures and money mindsets that keep hardworking people financially stuck, regardless of their income. He breaks down four common financial mistakes, shares the three moves that helped him escape the cycle and explains how to build a written money plan, eliminate debt with the debt snowball and create a one-month emergency buffer.

If payday feels more like temporary relief than real progress, this episode will help you stop performing wealth, build a stronger financial foundation and start moving toward lasting freedom.

KEY POINTS

00:00 Introduction

02:25 The Statistics Revealing How Many Americans Are One Emergency Away From Financial Trouble

04:41 Why Making More Money Without a Plan Can Leave You Broke at a Higher Income Level

07:08 The Three Root Causes Keeping Smart, Hardworking People Financially Stuck

11:50 The Four Money Mistakes That Keep People Trapped in the Paycheck-to-Paycheck Cycle

19:09 The Three Moves Anthony Used to Start Building Financial Freedom

19:58 Why a Written Financial Vision Is More Powerful Than a Dream in Your Head

21:12 How the Debt Snowball Creates the Quick Wins and Momentum Needed to Eliminate Debt

22:42 Why Anthony Now Recommends a One-Month Emergency Buffer Before Aggressively Paying Off Debt

23:58 How One Couple Eliminated $50,000 in Debt and Avoided Going Backward During an Emergency

27:02 How Eliminating Debt Allowed Them to Begin Investing and Build a Multimillion-Dollar Future

29:10 Why Your Financial Struggle May Be a Plan Problem, Not an Income Problem

33:58 Three Practical Money Moves You Can Make Within the Next 24 Hours

QUOTES 

“Making more money and still having no plan just means you get to be broke at a higher income level.”

“When you’re financing all of it, you are spending tomorrow’s money on today’s feelings.”

“Hope is not a financial plan, because faith without action is not a financial plan either.”

“We can’t win a game that we never wrote the rules for. So, if you want to win the money game, you have to write down your money rules.”

“It’s about buying yourself time so you don’t have to make a desperate decision.”

“You don’t have a money problem. You have a plan problem. You don’t have an income problem. You have a strategy problem.”

ABOUT ANTHONY ONEAL:

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

Mentioned Here:

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

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

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

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy

Black America is facing a financial crisis that goes far beyond income. Dr. Wes Bellamy joins Anthony O’Neal to unpack the troubling data surrounding Black unemployment, education, savings, earnings and homeownership.

With the median savings for Black men sitting at just $2,200, one emergency could wipe out everything. Anthony and Dr. Bellamy discuss why Black men and women need each other financially, what is driving young Black men away from education and employment, and how discipline, strategy and ownership can create a different future.

They also confront the online narratives discouraging homeownership and explain why protecting assets, increasing earning power and building together are essential to creating financial freedom for the next generation.

Download and read Dr. Wes Bellamy’s report:

The Economic State of Black Men and Boys in the United States

KEY POINTS

00:00 Introduction

03:07 The Unemployment, Education and Financial Statistics That Alarmed Him Most

06:56 Why Black Men and Women Must Work Together to Build Financially Stable Households

08:56 Why $2,200 in Median Savings Is Not Enough to Survive a Real Emergency

13:40 The Declining Presence of Black Men in Higher Education and Why College Still Matters

19:50 Where Young Black Men Are Going When They Are Disconnected From College, Trades and Work

24:01 How Insecurity and the Path of Least Resistance Prevent Men From Progressing

28:00 The Racial Earnings Gap and Four Moves Black Men Can Make to Increase Their Earning Power

33:09 The Habits, Discipline and Sense of Purpose That Position People to Earn More

42:26 Why Closing the Black Homeownership Gap Is Essential to Building Wealth and Legacy

QUOTES 

“Brother, you got to figure out a way to be able to be sustained, and then how to thrive even in the midst of this chaos.” – Dr. Wes Bellamy

“What we can do is equip ourselves with the information, the knowledge to be able to eventually either thrive in where you are—that may not be fair—or figure out how to go and start your own thing.” – Dr. Wes Bellamy

“The quickest way for us to devalue ourselves is to give away our financial pathways to freedom.” – Dr. Wes Bellamy

GUEST RESOURCES

Dr. Wes Bellamy

IG | https://www.instagram.com/dr.wesbellamy/ 

ABOUT ANTHONY ONEAL:

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

📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com

🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com

Connect With Anthony:

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

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

🎵 TikTok: @_anthonyoneal

FREE TOOLS & RESOURCES:

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

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

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

TRUSTED PARTNERS:

These tools help you win with money:

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

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

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

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

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

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

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

⚠️ GENERAL DISCLAIMER

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

Advertising Inquiries: https://redcircle.com/brands

Privacy & Opt-Out: https://redcircle.com/privacy