The Table with Anthony ONeal

The job market isn't crashing, but it is freezing, and your paycheck may not be keeping up. With only 29,000 jobs added in September, wages struggling to outpace inflation, and more than one in four unemployed Americans out of work for over six months, Anthony O'Neal breaks down what the latest jobs report means for your financial future. Drawing on his experience losing a six-figure job with barely any savings, Anthony explains why he's urging Americans to build six months of take-home pay in emergency savings instead of settling for three. He also shares four practical money moves to protect your income, eliminate consumer debt, strengthen your career prospects, and build financial security even when the economy feels uncertain. As this episode of The Table highlights: you can't control the job market, but you can control how prepared you are. 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 🔵 THE FREEDOM CIRCLE™ Founding membership: https://www.anthonyoneal.com/freedomcircle 🚀 Ready to make your next career move? Explore your options at http://anthonyoneal.com/bootcamp KEY POINTS 00:00 – Introduction: Why inflation is quietly shrinking your paycheck.04:20 – The frozen job market: low hiring, low firing.06:30 – Where jobs are still growing despite the slowdown.11:55 – Why Americans are working more but gaining less.15:35 – Why Anthony now recommends six months of savings.20:15 – Anthony's six-figure job loss and the cost of having no safety net.27:30 – Four money moves to protect your financial future.32:15 – The racial unemployment gap and why preparation matters. QUOTES: "A raise that is smaller than inflation is not a raise; it is a pay cut with a nicer email attached to it." – Anthony O’Neal"Shame is not on the list. Shame has never funded a single emergency fund, but strategy, getting connected with the right people, and sharpening your skills does." – Anthony O’NealABOUT 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)-224-8131TRUSTED 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 DISCLAIMERThis 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/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

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 HaleABOUT 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)-224-8131TRUSTED 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 DISCLAIMERThis 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/brandsPrivacy & 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 – Introduction04:59 – The 300 Rule: monthly lifestyle × 300 = your financial freedom number10:14 – Can you actually reach your number—and how eliminating payments makes it smaller14:30 – The order: save 1 month → pay off consumer debt → build 3–6 months → invest18:30 – What will your number cost you? Anthony opens up about losing relationships while chasing success20:04 – The four seats at your table: spouse, children, faith, and your circle26:10 – 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 itQUOTES: “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’NealAdvertising Inquiries: https://redcircle.com/brandsPrivacy & 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 thing03:49 – The number most people never track: what you own minus what you owe10:23 – Why margin matters more than a raise—and how payments keep eating your income17:37 – The wealth-building shift: let your income rise while keeping your expenses flat22:19 – How lifestyle creep can leave you looking successful but owning nothing24:25 – Build margin → save 3–6 months → kill consumer debt → buy assets27:52 – Why building wealth usually looks boring, unsexy, and consistentQUOTES: “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’NealABOUT 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)-224-8131TRUSTED 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 DISCLAIMERThis 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/brandsPrivacy & 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 Table02:28 – From full-ride scholarships to living in her car at 2305:35 – The grandmother who built wealth and paid for college debt-free11:27 – Seven months homeless, rock bottom, and the faith that carried her through13:19 – Why access to capital matters and the mission behind Fearless Fund22:00 – Venture capital explained: cash, equity, and ownership28:13 – The profitable business Arian closed because she thought she failed33:11 – The $10M opportunity that taught her not to play small38:49 – How living in her car changed her approach to debt and security44:18 – Two paths to wealth: entrepreneurship and generational financial habitsQUOTES: “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)-224-8131TRUSTED 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 DISCLAIMERThis 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/brandsPrivacy & 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 strategy03:38 – Why you can apply the same investing formula even if you only have $25 or $10005:47 – Why boring, low-cost index funds can become the foundation of long-term wealth18:04 – How to find your first $500 without getting a raise or starting a side hustle18:25 – Four everyday expenses that may be quietly eating up your investing money28:13 – Why an all-time market high is not automatically a reason to wait31:27 – Why an emergency fund gives you the ability to stay invested when markets fall35:37 – The order Anthony recommends: 401(k) match → Roth IRA → brokerage account37:17 – How $107 a month could potentially grow to roughly $252,000 over 30 years40:02 – The 3 investing mistakes that can destroy a good strategyQUOTES: “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’NealABOUT 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)-224-8131TRUSTED 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 DISCLAIMERThis 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/brandsPrivacy & 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 – Introduction00:00 – 60% of Americans Can’t Cover a $1,000 Emergency00:00 – How Inflation Quietly Costs You Money00:00 – Why Consumer Debt Comes Before Investing00:00 – Why Your Emergency Fund Belongs in a High-Yield Savings Account05:12 – How to Calculate Your Real Emergency Fund05:12 – The $250,000 FDIC Insurance Limit10:16 – How Your Savings Balance Changes Your Spending10:16 – Why You Should Automate Money You Know You’ll Spend10:16 – The Order: Debt-Free → Emergency Fund → Investing15:05 – How Fear Kept Anthony From Investing20:29 – Finding Your Freedom NumberQUOTES “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)-224-8131TRUSTED 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 DISCLAIMERThis 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/brandsPrivacy & Opt-Out: https://redcircle.com/privacy

Building wealth on one income comes with a different kind of pressure. In this episode, Anthony O’Neal breaks down the four financial pillars every single person should focus on: income, safety, retirement, and legacy. From building a second income stream and setting financial boundaries to creating emergency savings, investing for retirement, and putting an estate plan in place, Anthony shares a practical plan for building financial freedom without waiting for marriage or a second paycheck.KEY POINTS 08:52 – The 4 financial pillars every single person should build.09:16 – Your income is your entire financial engine.12:55 – Your income is not a group project.15:42 – Build financial safety when there’s no second income to fall back on.22:39 – Build your retirement plan in the right order.24:48 – Don’t enter marriage as a financial burden.27:32 – Legacy planning isn’t only for married people with kids.32:04 – Your stewardship doesn’t start when you get married.QUOTES “There's no spouse retirement account to fall back on later. Your account is the account.” – Anthony O’Neal “Your income is not a group project. This ain't dissing nobody. This ain't being different. This is what I call: love with structure. You cannot build your future while quietly funding everyone else's present.” – Anthony O’Neal “Stewardship is not just about what we do today. Stewardship is about what did we position to happen after we left.” – Anthony O’Neal “Legacy is a head start.” – Anthony O’Neal ABOUT ANTHONY ONEAL:Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy.📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: [email protected]🤝 SPONSOR THE TABLE PODCAST: [email protected] With Anthony:👉 Website: https://www.anthonyoneal.com📸 Instagram: https://www.instagram.com/anthonyoneal🎵 TikTok: @_anthonyonealFREE 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)-224-8131TRUSTED 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/betterhelpAffiliate 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 DISCLAIMERThis 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/brandsPrivacy & Opt-Out: https://redcircle.com/privacy