The Table with Anthony ONeal

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