The Table with Anthony ONeal

Building wealth on one income comes with a different kind of pressure. 

In this episode, Anthony O’Neal breaks down the four financial pillars every single person should focus on: income, safety, retirement, and legacy. From building a second income stream and setting financial boundaries to creating emergency savings, investing for retirement, and putting an estate plan in place, Anthony shares a practical plan for building financial freedom without waiting for marriage or a second paycheck.

KEY POINTS 

08:52 – The 4 financial pillars every...

Most people are told to attack their debt in the "smartest" order — highest interest rate first. It's the math-correct move. So why do so many people who follow that exact advice quit before they ever get debt-free?

In this episode, Anthony breaks down the real story of a couple juggling five debts — from a $400 medical bill all the way up to a $13,000 student loan — and what happened when they tried the "correct" method versus what actually got them results. Backed by a 2012 study of over 6,000 real households, this episode settles the debt snowball vs. debt a...

How much should you have saved for retirement by 40, 50 and 60… and what should you do if you’re nowhere close?

In this episode, Anthony O’Neal breaks down the retirement savings benchmarks for each age, explains how catch-up contributions can help later starters, and shares the financial order to follow when rebuilding. He also challenges the shame that often comes with feeling behind and reveals why creating margin, eliminating consumer debt and following a clear strategy matter more than panicking over a number.

So, whether life brought divorce, caregiving, job lo...

You got a raise — so why does your bank account look the same six months later?

1 in 5 households earning $150,000+ are still living paycheck to paycheck. In this episode, I show you exactly why raises disappear, using a real family's story of an $8,000 raise that vanished without one big mistake — just a hundred small ones.

Get my book, Stop Living Paycheck to Paycheck: anthonyoneal.com/book

ABOUT ANTHONY ONEAL:

Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anth...

Where you live could be hurting your ability to build wealth.

In this episode of The Table with Anthony O'Neal, Anthony breaks down CNBC's 2026 rankings of the 10 worst states to live in if you want to get ahead financially. But this isn't just another countdown. He explains why financial freedom is about more than your income and how factors like healthcare, childcare, crime, worker protections, and cost of living can quietly drain your budget and limit your opportunities.

This episode will help you evaluate where you live through a wealth-building lens. Anthony also shares practical...

77% of households couldn't survive one late paycheck. If that number scares you even a little, this episode is for you.

Today on The Table, Anthony O'Neal breaks down why decent, hardworking people making real money still feel trapped paycheck to paycheck, and walks you through the exact 10-minute exercise to find out how many days you could actually survive if your income stopped tomorrow.

Timestamps:

0:00 – The question most people won't answer honestly

1:00 – Anthony's story from the collection agency

3:00 – The truth behind the 77% stat

6...

At 19, I was homeless with $35,000 in debt and no one in my family who knew how to build wealth. Today, I'm giving you the exact 6-step plan that changed everything.

This isn't about making more money — it's about mastering the system most people never learn. In this episode, I break down the mindset shift, the budgeting method, the debt-elimination strategy, and the investing principles that took me from broke to financially free.

If you've ever felt like wealth is "for other people," this episode is for you.

A Gen Z creator went viral saying she won't take financial advice from anyone born before 1990. Millions of people sent me this video expecting me to go after her. Instead, I'm doing something different. I'm telling you what she got right, what she got wrong, and why 124 trillion dollars is about to change hands between generations, and most people are not ready to catch it.

This is not a reaction video. This is a real conversation about debt, about the economy, about whether the "rules" have actually changed or if we've just stopped applying...

Your bank is making money off of you right now — and you don't even know it. While your savings account sits there earning almost nothing, the bank is lending out your money and earning 7, 8, 9 percent. Meanwhile, you're getting paid pennies and told to be grateful.

Today I'm breaking down exactly why the average traditional savings account is failing you, what a high-yield savings account actually is, and the five accounts I'd personally recommend right now — with real numbers so you can see exactly what you're missing.

This isn't about taki...

On $55K a year, your first money move isn't a bigger paycheck. It's fixing the leak that's already there.

In this episode, Anthony breaks down a sermon he gave at Union Church using the FAITH framework, showing why so many hardworking, faithful people stay broke even while praying, believing, and quoting scripture. If you're living on an average income and tired of your money disappearing before the month ends, this is where you start.

Timestamps:

0:00 Intro: The sermon that broke down money through faith

2:15 Haggai 1:5...

If you are making more money than ever but still feel broke, this video is for you. Anthony breaks down the 7 unspoken money rules that were passed down to you without your permission and shows you exactly how to break them starting with your next $200.

Most people are not bad with money. They were just handed a broken code. Today we name it, we claim it, and we change it.

IN THIS VIDEO:

00:00 Why income alone will never build wealth

01:45 The Broke...

Most people hear "$1.46 million" and give up before they even start. That number just went up $200,000 in ONE year — and it's stealing your hope before you even try.

But here's the truth: you don't need that number. You need a plan.

In this episode, I'm breaking down exactly what to do — no matter your age, your income, or how far behind you feel. Whether you're 25 or 55, this is your retirement roadmap.

In this video you'll learn:

- Why the $1.46M nu...

She was 28 years old, making $72,000 a year, current on every single bill — and she sat across from me and cried.

Not because she was broke.

Because she did everything right and had nothing to show for it.

No savings. No investments. Just a pile of payments that felt like chains.

That moment changed how I talk about money forever.

The truth is — most of us are following a blueprint that was never designed to build wealth. It was designed to survive. And the people who handed us that blueprint? They...

At 23, I bought a car I couldn't afford to impress people who don't even call me anymore.

When I add up the payments, the insurance, the interest, and the opportunity cost of what that money could have become — that one decision cost me close to $200,000.

Not in cash. In wealth I never built.

And that car was just the beginning. The apartment. The clothes. The trips. The dinners. Every dollar I spent performing wealth was a dollar that never got to actually become wealth.

Are you 40, feeling behind, and wondering if it's too late to start over financially? It's not. Here's exactly what I would do — step by step.

In this video, I'm breaking down the real plan I would follow if I was 40 years old starting from zero in 2026. No theory. No fluff. Just a honest, step-by-step system built for the person who feels like life got ahead of them — but refuses to stay there.

Here's what we cover:

✅ Why the math is NOT against you at 40

✅...

I taught debt freedom for 15 years. I was wrong about one thing.

Getting out of debt is not the finish line. It never was.

I sat in my apartment — 100% debt free for the first time in my adult life — and felt completely lost. No wealth plan. No investment strategy. No legacy framework. Just zero debt and zero direction.

Nobody taught me what came next. Not my school. Not my family. Not the financial system. And that silence cost me years.

Th...

55% of Americans say they're getting poorer. That's the highest number Gallup has recorded since 2001 — higher than the pandemic, higher than 2008. But 45% aren't.

In this episode, I'm breaking down the 5 things separating the people quietly building wealth from the people quietly drowning in 2026. This isn't theory. This is the exact framework I used to go from broke and living in my car to a net-worth millionaire.

Get the book "Stop Living Paycheck to Paycheck" (over $275 in free bonuses): https://anthonyoneal.com/book

🔗 RESOURCES MENTIONED:

• P...

About half of my college students shouldn't even be in my classroom. I say that as a professor at an HBCU — not from a cheap seat, but from the front of the classroom.

Here's the truth nobody wants to say out loud: a 4-year degree is NOT the right path for every single person. Some of y'all are walking out with $40,000 in student loan debt for a path that was never built for who you are.

In today's episode, I'm breaking down 5 skills that pay $5,000+ a week, cost less th...

On this episode of The Table with Anthony ONeal, George Kamel joins us to share insights from his transformative new book, Breaking Free From Broke. George reveals his journey to becoming debt-free, offering a powerful example of how an everyday person on an average salary can achieve financial independence. By following this path, George became a net worth millionaire, demonstrating that true financial freedom is within reach for everyone. His story is a blueprint for changing not just your financial situation, but your family's generational legacy. Tune in to learn how you can take control of your finances and...

If you're the first person in your family to save $1,000 — stop everything and watch this.

Most financial advice skips the most important step. Not because it's complicated. Because it was never written with OUR community in mind.

In this video I'm breaking down 5 moves — in order — that turn your first $1,000 into the beginning of generational wealth. These aren't generic tips. This is the framework I wish someone had handed me when I was in your exact position.

Here's what we cover:

✅ Move 1 — How to pro...

Everyone is talking about SpaceX. But nobody is telling you the truth about what to do next.

In this episode, I sit down with investor and financial educator  @Courtney-Hale  to break down exactly what happened with the SpaceX IPO, why you should NOT buy it right now, and the 3 ETFs that let everyday people invest in private companies BEFORE they go public.

If you've been feeling like you missed out — this episode is for you.

In this episode we cover:

...

You've been doing everything right. Good job. Paying bills. Staying out of debt. And still — something doesn't add up.

That's not an accident.

In this video, I'm breaking down the 5 real differences between people who build wealth and people who work hard their entire life and have nothing to show for it.

And I'm going to tell you something nobody in finance wants to say out loud:

The system you were handed was never designed to make you wealthy. It...

I went from $6.32 in my bank account at 25 years old to a net worth millionaire — and in this video, I'm giving you the 6 things that changed everything. No theory. No Wall Street talk. Just the cookie jar on the bottom shelf truth that nobody taught us about money.

If you're tired of living paycheck to paycheck, drowning in debt, or watching your money sit in a savings account that's robbing you — this video is for you, family.

📲 Download the In The Black App: https://www.anthonyoneal.com/app

📖 Pre...

Anthony O'Neal went from sleeping in his car and cutting a cheeseburger in half to make it last, to becoming a net worth millionaire who closed on the biggest home of his life. The difference was never income. It was one belief he had to break, and three shifts that changed everything.

In this episode you will learn:

- Why income does not fix poor money behavior (even 20% of households making over $150K live paycheck to paycheck)

- Why you cannot build wealth while drowning in consumer debt

...

Family, if you're tired of living paycheck to paycheck heading into 2026, this video is going to change your life. I'm breaking down the 8 things our community needs to STOP buying right now if we want to build real wealth, get out of debt, and break generational cycles for good.

These aren't generic financial tips. This is real talk for real families — covering everything from TikTok Shop addiction to how we're setting our kids up to fail with $200 Jordans instead of $200 in their college fund.

If even ONE of these 8 hi...

In this video, I'm breaking down the EXACT 3 ETFs you need to build real, lasting wealth — even if you only have $5 to start. No picking stocks. No watching CNBC. No finance degree required.

I'm pulling back the curtain on what wealthy people have been doing for decades (and never told us about), plus the ONE mistake quietly costing investors thousands of dollars every year.

By the end of this video, you'll know:

✅ Why your savings account is secretly making you broke

✅ What an ETF actually is (co...

Every generation gets one shot. One shift that separates the families who build generational wealth from the families who watch it happen from the sidelines.

Your parents' generation had the housing boom. The next had the internet. Right now, we are standing at the very beginning of the AI revolution, and here is the hard truth: only the people who are positioned get to take advantage of it.

In this episode, I am not giving you a tech conversation. I am giving you a wealth conversation. I walk you...

Stop wasting your paycheck. Buy these 10 things FIRST before 2026.

Friday hits, the deposit lands, and by Monday it's gone. Sound familiar? In this video, I break down the exact 10 purchases wealthy people make before anything else — the ones that separate them from the 78% of Americans living paycheck to paycheck.

*Get started with Plus500! Practice with a FREE demo account or kickstart your trading with a BONUS of $30 when depositing at least $300, using the code: AO30

The bonus is valid for 90 days. T&Cs apply. 👉 https://www.anthonyoneal.com/p...

Most people don't have a money problem. They have a vision problem. In this special edition of The Table, I'm breaking down the 4 money rules that took me from $6.32 in my bank account to building real wealth and financial peace.

These 4 rules are pulled directly from my brand new book, Stop Living Paycheck to Paycheck: The Proven Path to Break Free from Debt, Build Real Wealth, and Live a Life Free on Any Income — releasing August 25, 2026.

📘 PRE-ORDER THE BOOK + GET EXCLUSIVE BONUSES: 👉 https://anthonyoneal.com/book

When you pre-order today, you unlock bonuses worth more th...

Tired of trying to pay off debt and feeling like you're going nowhere? In this video, I'm breaking down the 5 worst ways people try to pay off debt — and why they keep you stuck. Then I'm giving you the one method that actually works: the Debt Snowball. This isn't about math. It's about behavior, momentum, and freedom.

ABOUT ANTHONY ONEAL:

Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at...

I just closed on my biggest home ever, and the process taught me things I did not know even as a money guy. So I brought my realtor Keith James and mortgage lender Jamal on the show to break it all down for you. If you are thinking about buying a home, refinancing, or building wealth through real estate, this conversation is going to save you money and headaches.

We talked about why self-employed buyers get penalized even when they have the cash, the difference between APR and interest rate (and how lenders hide...

I worked for Dave Ramsey for 7 years. I've stayed quiet long enough.

Everybody on YouTube is telling you to stop listening to Dave. Before you cancel the man who's helped 10 million people get out of debt, you need to hear from somebody who was actually inside the building.

In this episode, I'm breaking down:

✅ What Dave Ramsey gets RIGHT that nobody wants to admit

✅ Where I personally disagree with him (and why)

✅ The real reason critics are coming for him in 2026

✅ Who shou...

$1,000 Is No Longer Enough! I have to say it. I taught the $1,000 emergency fund rule for years. Today, I'm officially changing it — and I'm owning that.

In 2026, a minor car accident costs $1,500–$3,000. One ER visit? Same. A broken water heater? Up to $2,000. The truth is, you can lose $1,000 in the time it takes to sneeze. The economy has changed, and our advice has to change with it.

In this video, I'm breaking down:

- Why $1,000 is no longer enough as a starter emergency fund

- The...

Your parents didn't lie to you on purpose. But what they taught you about money? It's keeping your family broke.

67% of Americans are living paycheck to paycheck in 2025 — not because they're lazy, but because they're running the wrong playbook. In this video, I'm breaking down the 7 biggest money lies passed down at the dinner table, in the church pew, and at graduation — and giving you the truth that replaces each one.

Stay until Lie #7. Nobody in the church is talking about it. And it might be the most dangerous lie...

Most Americans can't cover a $1,000 emergency — but you can change that in 18 months. In this video, I'm breaking down the exact 5-step plan to save your first $50,000 in 2 years, backed by 2026 data and built for real income. No gimmicks. Just the system.

ABOUT ANTHONY ONEAL:

Anthony O'Neal is a nationally bestselling author, speaker, and host of The Table with Anthony O'Neal. He holds a Bachelor of Science in Finance & Banking and is a professor of Consumer Economics at Virginia Union University. Since 2014, he's helped millions of people get out of debt, build we...

What if AI could find money you didn't know you were losing — and build you a personalized plan to get out of debt faster than you ever thought possible? I let AI manage my finances for 30 days using my own app, In the Black, and what it found in the first 48 hours shocked me. In this video I'm breaking down exactly what happened, the stats behind AI-powered financial tools, and how you can use the same system to build real wealth starting today.

Mentioned In Todays Episode:

- Get your personalized plan: ht...

Learn AI Today With Careerist: https://www.anthonyoneal.com/aiautoma...

AI is not coming. It's already here — and it's already choosing winners and losers.

Microsoft just released a report saying 98% of certain job categories will be significantly disrupted within the next 2 years. New millionaires are being made right now on the other side of this shift. The question is — which side are you on?

In this episode, I'm breaking down:

Should You Pay Off Debt or Invest? The Answer Nobody's Giving You

Every financial expert online is telling you to either pay off debt first OR start investing now. They'll both show you the math. They'll both sound convincing. But here's what none of them are telling you — the question itself is wrong.

If you keep asking the wrong question, you're going to keep getting the wrong answers. And for millions of people, that's why they've been stuck in the same cycle for the last 10 years.

Is your money ACTUALLY safe right now? 💰

Gas prices are rising. The stock market is all over the place. We're in the middle of a war. And while most Americans are stressed about their finances — the smartest investors in the world are quietly doing ONE thing: buying gold.

As a Finance Professor and #1 National Bestselling Author, I sat down with gold expert Brandon Thor of Thor Metal Group to have the conversation most financial advisors WON'T have with you — and what I learned completely changed how I think about protect...

Family, 78% of Americans are living paycheck to paycheck, and 69% have less than $1,000 in savings. But if you follow this 90-day plan, you’ll be ahead of 95% of people financially—no hype, just real steps that work.

Here’s what you’ll learn in this episode:

- How to track every dollar and finally know where your money is going

- Why most people never build wealth (and how to break the cycle)

- The power of a real budget—and why it’s not a prison, it’s...