Anthony O'Neal

You know, that was me. You know, we're gonna have to deal with the lack of a lot of information that's important. The lack of understanding. What I did it at 18 and 19, I'm still paying for it today at 37 years old. Really? Still? Absolutely. What things? I mean, I have collection items on my credit report.

You know, that was me. You know, we're gonna have to deal with the lack of a lot of information that's important. The lack of understanding. What I did it at 18 and 19, I'm still paying for it today at 37 years old. Really? Still? Absolutely. What things? I mean, I have collection items on my credit report.

You know, every time I bought two homes, you know, over the last three years, I had to explain that. And I'm the money guy. Right. You know, it's like, Anthony, well, wait, what is this collection? What we see is from X amount of years ago. Right, right. Because we don't have the conversation. Everyone thinks, well, it'll be off in seven years. Well, here's the thing when it comes to money.

You know, every time I bought two homes, you know, over the last three years, I had to explain that. And I'm the money guy. Right. You know, it's like, Anthony, well, wait, what is this collection? What we see is from X amount of years ago. Right, right. Because we don't have the conversation. Everyone thinks, well, it'll be off in seven years. Well, here's the thing when it comes to money.

It'll be all. Let's say, for example, you own that particular collection item and let's say you sell it to me. Now, I can put it back on their credit report for another seven years. So just because it was a 15 year old situation that I had, if it got sold to another company collection agency, it restarts the whole process over again.

It'll be all. Let's say, for example, you own that particular collection item and let's say you sell it to me. Now, I can put it back on their credit report for another seven years. So just because it was a 15 year old situation that I had, if it got sold to another company collection agency, it restarts the whole process over again.

So I still have some items on my credit report from when I was 20 years old. And that's embarrassing when I go in there because no one sat down with me and had the true conversation around what is a credit card? What is interest? What's the difference between a credit card and a debit card? No one sat down and had that conversation with me. My mama told me, you don't need a credit card.

So I still have some items on my credit report from when I was 20 years old. And that's embarrassing when I go in there because no one sat down with me and had the true conversation around what is a credit card? What is interest? What's the difference between a credit card and a debit card? No one sat down and had that conversation with me. My mama told me, you don't need a credit card.

She said, don't do it. She didn't explain to me why not. No one sat down and had the hard conversation and give me the education. So without that education, I made poor decisions.

She said, don't do it. She didn't explain to me why not. No one sat down and had the hard conversation and give me the education. So without that education, I made poor decisions.

Easy. Everywhere you go is about credit card. You can't go into the mall without being offered a credit card when you're checking out. You can't even go into Walmart anymore these days. You know, everything is about credit. And again, I'm not knocking people who go down that route. I don't do that route. I actually enjoy the freedom of waking up every single month.

Easy. Everywhere you go is about credit card. You can't go into the mall without being offered a credit card when you're checking out. You can't even go into Walmart anymore these days. You know, everything is about credit. And again, I'm not knocking people who go down that route. I don't do that route. I actually enjoy the freedom of waking up every single month.

and having the freedom of saying, you know what, I don't owe anybody. I just owe my mortgage. I love getting into my car and I have no car note. I love going to the mailbox and excited to go to my mailbox because there may be a check in there, not a bill. No bills.

and having the freedom of saying, you know what, I don't owe anybody. I just owe my mortgage. I love getting into my car and I have no car note. I love going to the mailbox and excited to go to my mailbox because there may be a check in there, not a bill. No bills.

I don't know about you, but I remember every time my cell phone rang, if I didn't recognize the number, I didn't pick it up because that was what the collection agency was calling me. It feels good when my phone rings, I can, hello? What's up? I'm proud to answer it.

I don't know about you, but I remember every time my cell phone rang, if I didn't recognize the number, I didn't pick it up because that was what the collection agency was calling me. It feels good when my phone rings, I can, hello? What's up? I'm proud to answer it.

And so if we don't give people that proper information, 20 year olds now tend to build this negative relationship with money and they're not really building wealth. And think about it. If we can start having this education now, we should be seeing more 20-year-olds being successful. Millionaires are being made now.

And so if we don't give people that proper information, 20 year olds now tend to build this negative relationship with money and they're not really building wealth. And think about it. If we can start having this education now, we should be seeing more 20-year-olds being successful. Millionaires are being made now.

If you're dropping the course or if you're sitting at home and you're playing video games, people are actually making millions online right now. But if we have the conversation with them now, we can see a lot more younger people really producing income.

If you're dropping the course or if you're sitting at home and you're playing video games, people are actually making millions online right now. But if we have the conversation with them now, we can see a lot more younger people really producing income.