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
I wanna be able to do things with my family that my family couldn't do when I was growing up. And so I'm learning to, I'm valuing that more. That wakes me up every day.
gets me excited every day that gets me on my YouTube channel every single day because I'm working for them then I'm also working for the community that's cool what's the third thing the parents should be doing more uh the last one we talked about like don't don't tell them the only way to be successful is having 700 800 credit score which goes into one thing that they're not doing enough is really having the money conversation with them early on as possible
You know, I think that parents, as soon as they say mama, as soon as they say daddy, you need to start having a money conversation. Absolutely. Absolutely. What are those conversations they should be having? It's on their level. You know what I mean? If the kid is saying, hey, mom, can I get a piece of candy? Well, they understand that candy. Tell them, hey, it costs money.
and show them, hey, you gotta give this in exchange for that. But let's pass that level. Let's start having a conversation with middle schoolers. One of my good friends has a private school in Nashville. I went to read books with them last, a couple of months ago again, right? When I walk into their school, she has a picture of all of her kids on college campuses. These are middle school kids.
Fifth grade. And I said, what are you doing? She said, actually, If you look on this one, those are third graders. And I was like, you're taking them to college. They don't do they even understand what they're looking at? She says no. But young people are impressionable at a very young age. So they will remember like, hey, I want to go here. So I need to work hard right now.
And so it was like we we have to stop saying our young people are young. If they can remember songs, if they can remember famous dances from TikTok, they can remember the conversation around money. So we got to have that conversation as early as possible so that when they get into high school, they are already aware of what's going on with the finances.
That's the second most important decision of my life.
The first one is... That's just my spiritual walk, just being a Christian. I think that was the first part, the first and most important part. The second most is choosing the right partner. Yep, and choosing the right wife. You want me to be real? I'm trying not to get emotional. I had the right wife. You did? I let her go. Why? Because I was young. I was dumb. Ooh. I was immature. Dang.
I was selfish. And I didn't... I thought I wanted something else, but I let it go. And so now it's like, okay, let's fix it because, you know, hey, you don't want to pass up on that again. I believe that the quality of my future is depending upon the quality of my life. And I had that there.
But because of the immaturity, because of the looking at what everyone else had around me, I let someone go who could have been my wife. And I learned from that. It was a hard season for me because one of the things I've learned that wealthy people do very well is they confess when they're wrong. And they tell themselves, yo, you messed up. How do we make sure we do not make this decision again?
That's when I say, you know what, let me submit myself to a married couple to get wisdom. You know what, let me just talk more to my therapist about this area so I can make sure that the next time I have the opportunity to meet an amazing woman that I do not pass up on that again. And so... My partner is the second most decision because this is the woman that will be raising my daughter.
This is the woman that will be raising my son. This is the woman that together we're going to build an empire. I need a partner that we are aligned and sync and we have each other's back.
Maybe you're dating for a few dates, but... I wouldn't even go... I'm not even getting into a committed relationship with a woman until we have a money conversation.
The very first question I'm asking her is, what was the conversation you had about money growing up? You know, what did your parents teach you about money? And then two, for me, what's your thoughts around ownership? What's your thoughts around debt? And then three, it's a fun one, but it answers a lot of questions. It's going to answer a lot. You have a million dollars right now.
What are you doing with it? Hmm. Yep. What are you doing with it? And, and a bonus one that I really, really, really, I really had this conversation on both sides. What, what do you value most? In life? Yes. Like what, what, what's, what's valuable to you that money cannot buy? And, um, it just starts the conversation going.
And I think really understanding the root of the individual really sets you up to understand, okay, how they're gonna be thinking proceeding forward.
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.
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.
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