The Money Expert: “If I Was Broke Today, This Is EXACTLY What I’d Do To Become Debt-Free” | Anthony O’Neal

0:00My friend, welcome back. If you are looking to create abundance in your life, then you are in for a treat today. we have Anthony O 'Neill, who is here to explore what it truly means to take control of your finances and live authentically. Through candid stories and practical advice, he's going to share with you why true wealth isn't about credit scores or appearances, but about creating a life of abundance on your own terms. Anthony provides a clear roadmap to reclaiming your power and building genuine wealth that can be passed down for generations. He's got to talk about all the mistakes that so many people make today around money, and it is going to blow you away.

0:41If you're enjoying this at any time, please share this with a friend that you want to see succeed in their abundance, in their mindset, and in their thinking around money, so they can actually behave in new ways to support them in their financial growth. And speaking of financial growth and abundance, we have a new book coming out very soon. March 18th, it drops, you can pre order it right now. It's called Make Money Easy, Create Financial Freedom and Live a Richer Life. This has been a 10-year journey of research and putting together some of the top millionaires and billionaires advice in the world to break down how to unlock financial freedom for your life, but more importantly, live a richer life because there are some people who have lots of money but who are also not free because they haven't figured out how to create richness in their life with their money.

1:34And that's what this is all about, creating that inner richness so you can have a rich outer life. Go to lewishouse.com slash tour. You can pre-order your copy and also see the cities that I'm going to on book tour and podcast tour. It's gonna be a two for one in seven cities in 10 days. So go to lewishouse.com slash tour to check out the book. Please pre-order your copy ASAP and get a ticket. Bring your friends to one of the cities where we are going to around the country. And I am so excited to see people. I'm going to be out on tour. I just got married. Me and Martha had a beautiful wedding.

2:11Been posting about it on social media. And I'm excited to get out there and promote this message and this book because for the first part of the year, I was planning a wedding. And now that that's complete, I can go out in the world and see all of you. So I'm very excited, very grateful, very blessed. I hope you're feeling blessed today as well. And without further ado, let's dive into this episode right now. Welcome back, everyone. School of Greatness. Very excited about our guest. We have the inspiring Anthony O 'Neill in the house. My man. What's up, man? Good to be back, man. Listen, it's going to be back on the Lewis Howell Show.

2:49But I mean, we're at the table. So I'm really excited about it. We are at the table. You got a new book called Take Your Seat at the Table. Live an authentic life of abundance, wellness, and freedom. Yes, sir. Most people are not free today. They are living in a lot of debt. They're living in a lot of stress and a lot of anxiety. And we all know that money problems are one of the main things that cause anxiety, stress, overwhelm, and a lack of freedom for people. Would you say that people being in debt and not knowing how to get out of debt is one of the biggest things that causes them stress around money?

3:21And if so, how do people start to get out of debt when they just feel overwhelmed by it? I think people are in debt because of the lack of knowledge. People perish for the lack of knowledge and wisdom. Right. And so I think we have programmed in our minds that the way to be successful in life is to have this amazing credit score is to have all this amazing debt. Right. Because we're using other people's money. But then when we wake up, we have this 800 credit score. We have this debt, but then we don't have any freedom and we don't have freedom because we don't have ownership. So when I step back and I look at my life, if I'm going to take a seat at the head of my table, I have to have a level of ownership.

4:03And ownership means that particular banks, because we're on the school of greatness, I won't name any banks. But if I'm if I'm with this bank, this bank gives me a personal loan. I have a credit card with this particular bank. I have a car loan with this particular bank. I have student loans over here. Now, all of these institutions now sit at the head of my table and they're telling me what to do. And I'm thinking, well, I was using other people's money so I can build wealth. Well, no, you were using other people's money, and because you're using other people's money, now you're in bondage. So now when you wake up.

4:35To those debtors. To those debtors. To those creditors. So think about it. I can't go to my son's basketball game because when I get off of work, I have to go get another job because I have to pay them back. Interest. Interest. And I'm oversaturated with how much money I've got to get back. And so I think with people, the reason why we're so stressed is because we really have a step back and ask ourselves, like, wait a minute, do I have ownership to this day? I still believe in 100 percent being consumer debt free. Right. Consumer debt free means that, you know, anything outside of my real estate, anything outside of an asset, I'm going to pay cash for it because I want to have ownership to where when I'm blessed to have a family, when I'm blessed to have kids, then I can wake up and decide what I want to do with my life, not what do I have to do because I owe every woman.

5:25That's just the bottom line. So debt is one of the big things that holds people back. What do you think is the number one thing that's stopping most people then from becoming debt-free? I think it's because they don't want to sit back and be honest and be different. It's easy to blend in with the world because everyone is doing this. Everyone is talking about an 800 credit score. Everyone is saying, even like with me, you're engaged to an amazing woman, I'm getting married soon. I'm still single, right? One of the top questions I get when I'm dating is, what's your credit score? Really? Yes. Come on.

5:57Hey, man, listen. People care about that that much? What is your credit score? No way. Yes, Louis. Women are asking you what's your credit score? Absolutely. Come on. Hey, Louis, I'm going to be real. You and my brother, I can say this. In my community and culture? Yes. And I'm like, but the credit score doesn't mean that I'm successful with money. It simply means I'm good at paying back the people who I borrowed from. Right. Because I can have an 800 credit score and not have$800 inside my savings account. Wow. Interesting. But when I answered that question, I remember the first time a young lady asked me that question, Louis, and I told her the truth, that's like a 530.

6:32Because I had just finished paying off all of my debt. So you know when you pay off all your debt, they penalize you for that. Really? Yes, your credit score drops. They don't reward you because you're debt free. They penalize you. So I'm like, well, I got a 530. She was turned completely off. You could be like, well, I got 100 grand in the bank still. Never asked a question. Interesting. Right? So the whole night, I saw how the mood shifted because of my credit score. She started looking for an out, texting her friends, hey, come be here. Listen. And the truth of the fact is, this was years ago.

7:04I mean, I was in my 20s then. I remember her telling her friend that she was like, yeah, girl, he got a 530. on credit score he can't he bad with his money and i never responded because i wasn't financially mature then to respond in the correct way uh but as i evolved i said man wow like a credit score does not mean that i'm good with my money i think a lot of people are stuck because they're trying to to have this perfect three-digit score but you can't pass down the three-digit score you can't give your son or your daughter and build a legacy with that score so i'm focused on okay how do I take the seat at the head of my table?

7:41How do I position my family who's at the side of my table, who's at the opposite side of my table, my wife, what is the best thing I need to do with my finances to make sure that when I am transitioning to heaven, that I can leave them with something. And I can't do that with the score. Really? Can't do that with the score. So for me, it's all about what am I investing? How much debt do I have? How do I eliminate that? What's my insurance policies and also to what wealth am I leaving behind and when I say wealth it's not just about the finances it's about what wisdom and knowledge am I leaving behind and this is something that we do not talk on social media influencers don't talk about this Lewis to this day I started this about four years ago man every mistake that I make and that I have made I write it down and it's in a journal so when my kids get of age when they're like i want to say uh if i'm blessed to have some right around freshman sophomore year i'm giving them my journal your mistake journal my mistake journal hey this is these are the mistakes that i made while dating this is the mistakes i've made within my christianity walk these are mistakes i've made with my money these are the mistakes that i've made in life in general so they're going to see a letter of what here it is a letter to them a mistake that I made the consequence of that mistake what I learned from that mistake and then I'm forest what did I do to make sure I didn't do this again I was gonna ask you a question about the credit score thing I thought this is interesting I mean maybe I I don't know no one's ever asked me like what's your credit score but that's that's interesting so your fiance's never actually that question no because I have money yeah but I've made money and I saved my money.

9:21Yeah, yeah, yeah. But I remember talking in like the first, maybe it's weird, but either the first night I met her or within the first couple days of like hanging out, I was just talking about money more openly. Not like, oh, I have all this money and let me spend it on all these things. But I was just speaking about it in a way where it wasn't taboo. I was speaking about it in a way where it was more open. I was just like, oh, you do products, you're an actor, like, oh, that must be awesome. What are most actors making these days? Not like, what are you making directly, but like how is the industry what is it going on or here's what i'm doing in podcasting and here's what i was when i started out broke on my sister's couch so good here's what i've kind of created over the last 15 years you know so it was more of an open conversation about it yeah of where i was to where i am now not like oh open my bank account here's my money right right right but i think because i came from that space i don't know maybe she's mexican and they don't that culture they don't ask about credit score I don't know but I'm interested when when a woman asks someone about their credit score and say it's an 800 credit score that the guy has and the woman thinks to himself oh that's good he's got a high credit score what does she learn about the man with that high credit score or low credit score and what does she not know about that man based on a higher a lower credit score.

10:39Well, with me being a man, I can't specifically say what every woman will learn and know, because I think that's a great question for a woman. So ladies, please answer that question inside the comments. But here's what I perceive, Luis, is that within, you made a good call out that your fiance, soon to be wife is Mexican. Well, within my particular community, let's go back a little bit. We're taught within our culture that when you graduate high school, go to school, right? Keep your credit score good. Work 40 years. While you're working 40 years, get a good job. I'm not getting a good job. Get a good home.

11:16And so that way, that's the life. You got a good credit score. You got a real good job with benefits. You're a homeowner. That's the American dream within the black community. I was talking to at a younger age. So I think what ladies are looking for, okay, wait, if he has a good credit score, this means that he's doing good with his finances. Within our particular community, I don't want to say within our particular community, I think within the world in general, we're not really taught money lessons. We're not really taught, hey, do you budget? We're not really taught, do you invest? We're not really taught, are you an entrepreneur?

11:48We're taught, hey, once you have a good 800 credit score, you can always get financed. And so I think when ladies hear a man has a good credit score, it's like, okay, so we can get a home. We can get a car. We can get this. But for me, I'm like, yeah, but you're not really understanding. what you're simply saying is we can get a lot of debt that's not good and that's not good if you're buying like consumer stuff if you're not using it to invest in smart assets or something yeah you know what i'm saying so i mean if we're talking about hey yes you need an 800 credit score so we can get into the real estate game i'm all for that but if we're talking about we need an 800 credit score so we can buy the latest miles of rider the latest you know bentley okay wait a minute we have a problem i need to have this so i can go get me a credit card so i can get all these reward miles.

12:31But the truth of the fact is, when I look at all of my millionaire friends, they're not bragging about their reward miles. They're bragging about the investments that they're buying and that's making them money and that's paying for their liabilities, that's paying for their toys. But when I hear them having this conversation, and this is what I really get excited about, it's like, wait, man, I just bought a duplex. I just bought a situation with 24 doors. I'm like, 24 doors? Wait, what? Like, yeah, got finance and did this and did that. I'm like, okay, cool, great. And that's one of my philosophies that has changed over the years is that, wait a minute, if I can use other people's money to get into the real estate game the correct way, then I'm getting 24 doors and I'm getting inside of, you know, the real estate game, I'm buying an asset that will then fund my toys, my wants, and my desires.

13:18And so when I hear ladies say that, I'll be honest with you, man, it is somewhat of a turnoff for me but i also understand the lack of education behind that question yeah yeah and so what i tend to do now is say you know what my credit score is good because i have real estate and that's the only thing that's on there and it's being paid for so i am in the 800 bracket i said but darling girl let me tell you something though i mean i make money and i invest a lot yeah and my real estate my credit score comes from real estate which is assets and i really start having that conversation i love how you know i know we were talking about my book but your book you know make money easy i think we really do have to make money such an easy conversation yes and just have it really really if we if it's an easy conversation that i think we can make it easy i haven't read your book completely yet uh but by the time you come on my show i will have it read but it's like i love the title of your book because i think we make it so difficult that's that's why i made the title people we make it so hard because it is hard if we're not educated facts and it feels scary and overwhelming if we don't have the information the education like you're talking about yeah and i think debt feels daunting for a lot of people does and if you were broke today and if you were in debt let's say let's say you made a bunch of challenging financial decisions you made all you know your mistake journal is filled up to the brim yeah uh and you're broke and in a lot of debt yep what is the exact process you would take then from going from broken in debt to creating a financially free life oh i get excited about this all right very first things i'm stepping back and before i even look at my debt i'm talking okay where i want to be within the next 12 months after 12 months next three years five years so you think a game plan first i'm getting the vision for the next five years of my life right so if i say hey listen i want to be in california living in my dream home debt free like whatever that vision is i'm casting that vision below that vision i'm writing down the why you know one of my good friends uh pastor darius daniels mentioned something he said man if your why doesn't make you cry then the price of commitment for the next five years is going to make you cry let's go and it's going to make you quit and so for me once i write down the vision i'm going to write down a why why do i want to accomplish this vision so if i'm drowning in debt and i know i want to be out of debt i'm going to be in my home while i went to home i don't want the home just because it's nice sitting on the beach.

15:41I want the home probably because you know what, man, growing up, me and my siblings had to share a room, right? You know what? We never were a homeowner. Maybe I'm the first homeowner in my family. So I'm getting a deep enough why that when it gets hard, when I feel like giving up, it's going to make me cry and make me push through. So I'm doing that. So that's number two. Then number three, I'm looking at, I'm pulling credit card. I'm pulling the last three months of my bank statements and I'm getting on a very detailed budget. I'm writing down everything and I call this a zero base budget. But for me, I know a lot of people get turned off by the word of budgeting.

16:15So I call it what's the vision now I have for my life? What's the vision for my money? So if I'm saying, OK, cool, I want to be debt free. Well, I got to go look at my credit report. I got to pull Equifax TransUnit Experian. I got to pull the last three months of my bank statements. And this is something I do in a regular. Lewis, I'll get five highlighters, different colors and I'll go through and highlight, okay, food is one color and I want to see how much money over the last three to six months have I spent on food. Wow. And if I'm seeing, okay, dang, I was talking about barber. He spent two grand on food in one month.

16:47Wow. Just eating out. I'm like, two grand. I'm like, bro, it's just you. Yeah, right, right. What are you eating for$2 ,000? Wow. I'm like, I know it's expensive out here in the streets, but it's not that expensive. so I'm like two grand in one month okay we need to cut that off by like three-fourths you need to be down to five hundred dollars including groceries and eating out boom when it's just you so like I'm highlighting everything and I'm assessing making sure that I know exactly where my money is going because here's the truth you cannot manage your money if you're not measuring it you can't really understand what you're doing and where you're going if you're not tracking what it's doing and for the majority of the people who are watching this show i'll say i won't say the majority but if you're with the school of greatness we're going to say a majority y 'all should be winning for those of us who are watching this show a lot of us are probably saying dang i just got paid last week but i don't know where the money went and it's because you're not you're not managing it well because you're not measuring where your money is going so that's number three i'm gonna i'm gonna list out everything and watch this before i put it on the budget i'm gonna write it out yo i owe this bank this i owe that bank this i'm gonna list out every every all the debt out of all the debt i'm gonna list out all of my monthly expenses then i'm gonna take that information and i'm gonna put it on this budget and here's the truth if we're gonna be honest it is gonna frustrate you yeah it is gonna make you feel depressed a little bit you're gonna feel discouraged a little bit because what's gonna happen is you're gonna say you have more debt then you have income.

18:23That's going to be my number four. Once I see that I have all this debt, I'm going to measure, okay, what is the income strategy that I need to come up with that is going to create margin and help me pay off my debt. And I tell everyone that's going to be a job. And instead of getting a second job, listen, man, the content creation space, I just think right now is a healthy place to get into. But I think a lot of us have a lot up here that people were paid to have. and so like for example I had a school teacher come to me and uh she was like man Anthony I'm in$238 ,000 in debt oh 140 of them are um is uh is her student loans because she has her doctorate yeah uh then two of them are cars her and her husband then the others just credit cards and stuff from here I said okay all right let's write it down and so um as I was talking with her I said listen she said I'm gonna get another job working at Walmart part time I said I think that's a that's It's not a good use of your time.

19:21I say, why not? You're a school teacher. Why not go home? You're making good money over here. Why not go home and create maybe a course or an academy that helps get kids ready for the SAT? She goes, what do you mean? I say, why not use the skills that you're giving to the job, to the school system and build a side business that now parents can buy to help them get ready for the SAT? She was like, Anthony, I've never thought about that. So she went home and she started dreaming with her husband. But when she came back to me, not only did she come up with a business that is going to help kids with the SAT, but she also came up with a business that helps school students in school to be a teacher to help them graduate in college.

20:07A year later, her side business is paying her more than what the school teacher is doing because she took her wisdom and her knowledge and turned it into a side business. So not only is she creating more income, now she's able to use the tax benefits that the wealthy are using. And I said, okay, are you going to quit your job? She was like, no, because my side business is funding this thing. I honestly love teaching students. So what happened? Husband quit his job. He runs the business. Wow. He does all of the marketing. He does all of the stuff. And this is what I love. It puts them back at the head of their table.

20:46Yes. because now it's like, wait, we're now controlling our life. Now she went from having to be a schoolteacher to wanting to be a schoolteacher. She went from having to work to, you know what? I love what I do. And that's the freedom that you have when you're at the seat at the head of your table is that you get to decide what you want to do in a direction or wherever you want to go. What would you say is the number one piece of financial advice you're seeing online that people should ignore? You know, there is a lot. You know, it's not just one. I'm like, man, there's so many Lewis that I could say.

21:26But I think the number one financial advice that I would say, and I talk about this inside of the book that I would ignore, is that everyone has to be an entrepreneur. Ignore that. Ignore that. Yeah. Because that's not the case. I think everyone should have an entrepreneurial mindset but not everyone should be entrepreneurial because if if you want to be a when they say be an entrepreneurship what they're talking about is they're selling you hey man I could work on the beach hey man I'm flying in the private jets hey man you know I'm able to go buy this g-wagon and ride off 100 % of it because it's over 6 ,000 pounds they're lying to you I've been doing this for four years I mean you don't have several conversations offline this entrepreneur world is not for everybody and it's frustrating and i have not to this day worked on the beach because you weren't you worked at a career before and now you're you're an entrepreneur now yes and if i'm being honest in the corporate america space in the corporate space man i'm working harder today than i was then of course right so i'm i'm not flying on private jets and just not working for a month or two that that's not happening and so i think some of the worst advice is looking at these enforcers and they're selling you on hey i can coach you to be a your own boss and you'll be working at the beach and not saying it can't happen because have i gone on vacation and work absolutely but what i am saying is out of 365 days a year these people say you only got to work 20 of them that's a lie and so i think for me it's it's really we got to start teaching how to how to have the entrepreneurial mindset but not everyone is called to be an entrepreneur because i think i need a real good assistant if i'm going to be effective and i think people are made as a christian i do believe people are made to be the number two the number three the number four to be the team player because an effective business cannot run without effective team members and you can be just as wealthy you can be just as successful if you are living the authentic life of yourself.

23:39I think one of the greatest mistakes of that I see in people, especially this younger generation, they want to rush to be their own boss, but they haven't really done anything to learn how to be an effective boss. And I'm so grateful that God put me through the seasons of serving in the church world, serving in a corporate America space, because I would not be successful today if I didn't learn up on any different people. And I think for me, I think that is one of the dumbest mistakes that I've seen people make. And I think another mistake I saw online, and it was so frustrating to me, is take your student loans and go buy real estate with it.

24:19I was like, go borrow money. Take out a Parent Plus loan. Oh, man. Have them sign on it. Have them sign on it to go buy real estate? and the real estate was just a down payment on all. It's not the whole house. So what I'm looking for is I gotta pay double interest now? High interest on the student loan, high interest on this? I'm like wait a minute. So there's so many different things man that I can really adjust to. But I think one of the things I learned from you man, I gotta give you credit for it. I think it was like a year and a half ago, lures because i'm always watching your shows and always growing from you your advice and the people you had on and man because of you i have an interchangeable seat at my table i have an interchangeable seat between my therapist and my emotional coach and you talked about that like a year and a half i want to say i mean and what i learned was that my emotions i was making financial decisions based upon my emotions when my emotions shouldn't be making decisions i should be managing my emotions.

25:29But my emotions should not be managing me. And I've made bad financial decisions because of how I felt off of my emotions. And if I'm being honest and vulnerable, I've lost out on great relationships and friendships because I didn't manage my emotions. And I'm like, whoa, so when I heard you say that, like, bro, I got convicted. I was like, look at Lewis over here preaching. I was like, Lewis, does he know he's a private? So I literally stepped back and started looking for emotional coaches because I realized, man, if I'm being honest, to this day, I still meet with him. And to this day, it is still a struggle for me to control and manage my emotions.

26:13Because when you have that feeling, you got to be like, no, this is my emotions. I cannot make a decision in this state. Yeah. And I've made decisions in that state that has cost me a lot of money that has. I probably lost out on an amazing woman because of that. I probably lost business relationships and even friendships because of that. But I think I hear this often within the world. And if you're feeling bad, man, just go to the mall and just do some window shopping. That's your emotions talking. You know what, man? And we tend to go buy things when we're feeling a certain kind of way. That's your emotions talking.

26:54And so I would encourage people, man, to get that interchangeable seat between the therapist and the emotional coach, and they work together. My therapist helps me understand the practical reason of why I made the decision. My emotional coach is helping me understand why I'm feeling the wind that I'm feeling and how to control that. Yeah, it's interesting. I mean, I can definitely relate to that. And for me, I've learned that regulating the emotions, like allowing yourself to feel it but not act on them necessarily until you regulate and understand them, gives you more sense of freedom, gives you more sense of power and peace in the decision.

27:28And it doesn't mean you're always going to feel good and you're going to have to go through uncomfortable situations. But when you can learn to regulate them, you can have more peace in the decision you make after you feel the emotions. and one of the challenges you know some people spend their money on things when they feel overwhelmed or excited or stressed yeah I was more of an emotional eater where it's like I would just go eat food I didn't need things I wasn't like let me go buy the shiny thing to feel good or winter shop or go on Amazon that was never my thing but it was like let me get the ice cream let me get the pizza to comfort me so whatever your vices of comfort yeah you luckily I I wasn't a spender on things to go into debt, which takes years to get out of.

28:09Is this my water? But I was a spender of food that created physical debt. It created physical weight that I then had to carry with me constantly. So whatever the weight is you're carrying or whatever the thing that you're spending to add more weight into your financial pocket or to your physical bucket, whatever it might be. or your weight might be like, oh, I'm going to go sleep with a bunch of women because I want to just feel good because I don't feel good right now. You're picking up that relational baggage, whatever it might be, or spiritual baggage from being in all those relationships. It's just learning how to regulate it better so we can have more abundance, wellness, and freedom, like you talk about in your book, Take Your Seat at the Table.

28:56And I think that's a big challenge for people. When you talked about, you know, if you're in debt$100 ,000,$200 ,000 from student loans and other two cars, it might seem daunting. You talked about this, okay, get clear on a 12-month, three-year, five-year vision. And understand why you want that vision in these 12 months, three years, and five years. Some people might say, oh, man, I have to cut all of my fun out of my life for the next five years. I have to live so below my means and cut all the food I'm going out, all the fun, all the activities and trips. I have to cut it all out because of the financial baggage and debt that I'm in in order to in five, seven years be debt free.

29:39And that seems exhausting. Most people don't have the discipline emotionally, mentally or financially to go so below their means when they've gone into debt for years. And they've created an identity of debt and spending. Yeah. How does someone wrap their head around that complete death of an identity on who they have been to say, oh, in order to be debt free, I want to take five years of my life to be, you know, so below my means, cut out everything. And then I can finally be free. This is a school of greatness. I would ask them, how are you feeling right now? Yeah, probably trapped, probably stressed, anxious, avoidant.

30:19they probably even know how much death they're in because they don't want to keep looking at it because it doesn't feel good it's like it's like when you gain weight you don't want to look jump on the scale because you're like i don't want to look at that but well i gotta say this respectfully i don't have to jump on the scale to know that i'm in a bad situation i need to change my life the scales is going to confirm what i already know yes and i think what what what i when i hear people say that oh man i gotta do all this i said okay cool don't do that live this for the rest of your life then yeah live the life scared to look at your checking account live the life for the rest of your life scared to go to to the to the mailbox i was there bro i was there to where i would drive by the mailbox knowing that the mail is probably packed because i knew there was bills in there that i didn't want to see but i still knew the bills were there but the thing was going into the mailbox was just confirmation of what I already knew.

31:13And man, I'm telling you, I felt the heaviness of, I know my money is not free. I felt the heaviness of, I know I'm not free. I can't live this free life because I know it. And I was just scared to face reality of, I have to change. And so here's, here's what I teach, you know, within, within my world, you know, at the table with Anthony O 'Neill and even with this book is that, man, if you can give me 18 or 24 months, we can change your life. I can't change it. I'm not the hero. You are the hero. I'm going to guide you through the process. But if you do not change anything, you're going to sacrifice the rest of your life living in misery, living with with no freedom, with no ownership, because you're fearful to be uncomfortable for 12 to 24 months.

32:04And so if I'm uncomfortable a little bit for 12 to 24 months to get the rest of my life to live a life of abundance wellness and freedom i'm taking 12 to 24 months because what i'm doing is i've got adjusted oh that's so good right there i've got adjusted to being uncomfortable like i i feel i've made this messy life of mine comfortable and i'm like man like i deserve a home but because my life style right now i've only warrant a an apartment but i can get a house but but but i cannot ah no no no you know what anthony i'm gonna change 2025 i'm gonna get on a plan and i'm being realistic with it you know it's gonna probably take me to the end of 2026 to get out of debt but here's the thing 2026 comes two years flies by quick.

33:00Boom. It flies by crazy quick. It seems like forever, but when you're there, it's like, man, what happened the last two years? Just the first month of this year just flew by, man. I've been out on my own for four years. You cannot ask me. Like, it doesn't feel like four years. Now, because we wake up every single day and we start over, it's okay, but wait. But before you know it, two years have gone by. and I ask people to imagine themselves yes I'm gonna be honest with you I'm not gonna sit here and sell you a bunch of you know oh no no listen you're right you're in 150 ,000 dollars in debt I know you feel that stress how do we what is a system and what is a process to get out of that I have this method that I teach it's called earn and I teach people how to earn their freedom how to earn a different level of finances and the e stands for listen you got to evaluate where you currently are in life and with your finances because we talked about earlier like hey pull your credit report pull how much debt that you have and watch this debt is not just on paper but do you owe family and friends money right if you told me i'm gonna pay you back get all of that on a sheet of paper and evaluate where you are the a stands for now you gotta arrange the vision we talked about the vision okay now um now that we know how much we are what is the vision where we going right and our sense for render the strategy this is where people fail at we do not get a proven strategy on how to make money easy we don't get a proven strategy on how to get out of debt we don't get a strategy on how do we change our life within the 12 to 24 months what we'll do is okay i know i got some debt i know i want to be debt free let me go on tiktok that's not a strategy to go on TikTok.