Anthony O'Neal
speaker
1,191 appearances
4 recordings
1 series
first heard Feb 2025
last heard 17 Aug
Anthony O'Neal’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Aug 2026 with 1.
Appearances
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.
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 man listen and what the truth of the fact is this was years ago i mean i was in my 20s then i remember her telling her friend that that she was like yeah yeah girl he gotta follow his own 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, OK, how do I take the seat at the head of my table?
How 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 a 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, too, 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. Louis, 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 wanna say, 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, these are the mistakes that I made while dating.
These are the mistakes I've made within my Christianity walk. These are the 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 number four is what did I do to make sure I didn't do this again?
Well, 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, Louis, 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. And so that way, that's the life. You got a good credit score. You got a real good job with benefits. You have a, you're a homeowner.
That's the American dream within the black community. I was taught 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, he's doing good with his finances, right? within our particular community, I won't 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? We're taught, hey, as long as 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. And that's not good.
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 Mazda Ryder, the latest 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. But 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. I'm like, $24? Wait, what? Like, yeah, I financed it, 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, and I'm getting 24 doors and I'm getting inside of the real estate game, I'm buying an asset that will then fund my toys, my wants, and my desires.
And 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. 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 an 800 bracket.
I said, but Arlen, girl, let me tell you something though. I mean, I make money and I invest a lot. 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.
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