Anthony O'Neal

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'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.

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.

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

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.

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.

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.

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.

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.

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.

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.