Anthony O'Neal

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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 over the last 12 months — 1 in all, peaking in Aug 2026 with 1.

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The School of Greatness · The Exact Plan to Be Debt-Free in 12 to 24 Months | Anthony O'Neal · 26 Feb 2025 podcast

and just have it really, really, if it's an easy conversation, then I think we can make it easy. I haven't read your book completely yet, but by the time you come to 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 why I made the title.

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 do I want to be within the next 12 months? After 12 months, next three years, five years. So you're thinking 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 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 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 that 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 out everything and I call this a zero based 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, 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 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. Wow.

Just eating out.

my two grand i'm like bro it's just you what are you eating for two thousand dollars wow and twin 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 fours 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 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 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 managing it well because you're not measuring where your money is. 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. it is going to frustrate you. It is going to make you feel depressed a little bit.

You're going to feel discouraged a little bit because what's going to happen is you're going to see you have more debt than you have income. That'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 to 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. Because 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 she was like, man, Anthony, I'm in $238,000 in debt.

140 of them is her student loans because she has her doctorate student loans. 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 going to get another job working at Walmart part time.

I said, I think that's a, that's not a good, good use of your time. I 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? And she was like, what do you mean?

I said, 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 never thought about that. So she went home and she started dreaming with her husband. Well, she came back to me.

Not only did she come up with the business that is going to help kids with the SAT, but she also came up with the business that helps school students in school to be a teacher to help them graduate in college. A 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, OK, 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.

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