Anthony O'Neal

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, OK, 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.

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, OK, 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 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

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 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 want to be in my home. Why do I want the home? I don't want the home just because it's nice sitting on the beach. I want the home probably because, you know what, man, growing up, me and my kid, 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.

And I know I want to be out of debt. I want to be in my home. Why do I want the home? I don't want the home just because it's nice sitting on the beach. I want the home probably because, you know what, man, growing up, me and my kid, 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. Day 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 out everything and I call this a zero base budget.

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. Day 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 out 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. So 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, okay, cool, I want to be debt free, but 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.

But for me, I know a lot of people get turned off by the word of budgeting. So 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, okay, cool, I want to be debt free, but 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 on a regular. Louis, I'll get five highlighters, different colors, and I'll go do a 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. And if I'm saying, okay, dang, I was talking about Barber. He spent two grand on food in one month. Just eating out. I'm like, two grand?

And this is something I do on a regular. Louis, I'll get five highlighters, different colors, and I'll go do a 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. And if I'm saying, okay, dang, I was talking about Barber. He spent two grand on food in one month. Just eating out. I'm like, two grand?

I'm like, bro, it's just you. What are you eating for $2,000? 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 $500 including groceries and eating out, boom, when it's just you.

I'm like, bro, it's just you. What are you eating for $2,000? 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 $500 including groceries and eating out, boom, when it's just you.

So 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 won't say the majority.

So 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 won't say the majority.

With the school of greatness, we're going to say a majority of y'all should be winning. For those of you 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 managing it well because you're not measuring where your money is going. So that's number three.

With the school of greatness, we're going to say a majority of y'all should be winning. For those of you 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 managing it well because you're not measuring where your money is going. So that's number three.

I'm going to list out everything and watch this before I put it on the budget. I'm going to write it out. Yo, I owe this bank this. I owe that bank this. I'm going to list out all the debt. Out of all the debt, I'm going to list out all of my monthly expenses. Then I'm going to take that information and I'm going to put it on this budget. And here's the truth. We're going to be honest.

I'm going to list out everything and watch this before I put it on the budget. I'm going to write it out. Yo, I owe this bank this. I owe that bank this. I'm going to list out all the debt. Out of all the debt, I'm going to list out all of my monthly expenses. Then I'm going to take that information and I'm going to put it on this budget. And here's the truth. We're going to be honest.