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1:28

What's going on family? We are

1:30

officially on the journey to one

1:32

million subscribers and my team and

1:34

I are giving away $30,000 to

1:36

help you pay off your consumer

1:38

debt. That's right. Three E3 community

1:40

members will each get $10,000 to

1:42

wipe out their consumer debt. Now,

1:44

do you want in? It's simple.

1:46

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the Join the community tab. That's

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100% it. Check this out. At

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we're going to give that person

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a financial makeover before paying off

2:09

their debt. So before we get

2:11

to today's show, hit that subscribe

2:13

button and let's hit it a

2:15

million strong before my birthday July

2:17

1st. All right, love you all.

2:19

Let's get to the show. Building

2:21

True Wealth is going to take

2:23

some time. So you got to

2:26

stop comparing your chapter 2? To

2:28

someone else's chapter 6. Because why?

2:30

Success is a long game. Just

2:32

because you don't post about your

2:34

savings doesn't mean you're not making

2:36

moves. They got a million miles

2:38

and they got an 800 credit

2:40

score, but don't have $2,000 inside

2:42

their bank. You're going to be

2:44

ahead of 40% of the people

2:46

in America. Let me put it

2:48

like this. You're going to be

2:50

ahead of 40% of your friends.

2:52

And so to do that, you

2:54

got to When Anthony

2:56

3.5 to 5% that's not a

2:58

lot of money. Agreed is not

3:01

a lot of money. But the

3:03

thing is when it comes to

3:05

parking your money and saw the

3:07

savings account is that you want

3:09

your money. No one is going

3:11

to remember you. Ten years from

3:13

now because you went viral, but

3:16

they will remember you if you

3:18

can help them impact and change

3:20

their life. We're

3:25

all witnessing what's happening in today's economy. You

3:27

see interest rates are climbing. Inflation is stretching

3:29

every single dollar. And there's uncertainty around every

3:32

corner. I don't want you or your family

3:34

to be caught off guard, right? If your

3:36

finances are in order, now is the time

3:38

to wake up and make a shift. I've

3:40

been sounding honestly this alarm for years now

3:43

and by some of you all have listened

3:45

right the truth of the fact is a

3:47

lot of you all kind of brushed it

3:49

off but the truth is you can't afford

3:51

to wait any longer family It's

3:53

time to stop living

3:56

paycheck to paycheck, stop

3:58

making excuses, and start

4:00

building a foundation that

4:02

can weather any storm

4:04

seriously. You see, this

4:06

isn't just about stacking

4:09

up cash. It's about

4:11

creating a lasting change

4:13

and positioning you and

4:15

your family for long -term

4:17

success, not just success

4:19

today, but for generations,

4:22

no matter what's happening

4:24

in the world. Now,

4:29

patience is what it would take to

4:31

build true wealth, not just look

4:33

rich, but build true wealth. You

4:36

see, and the difference between looking

4:38

rich and actually having some money

4:40

and the critical importance of

4:42

having an emergency fund now more

4:44

than ever. So listen, today's show

4:47

is a unique one. This is

4:49

special one. It's a mashup of

4:51

everything that's going to help you

4:53

get right today. So let's get

4:55

down there and let's get to

4:57

today's You might be behind and you

4:59

might feel like you're behind, but let's be

5:01

real. Wealth takes time. You're

5:04

rushing the process. Wealth

5:08

takes time. Getting out of

5:10

debt is going to take some time. Building

5:13

an emergency fund is going to take some

5:15

time. Building true

5:17

wealth is going to take some time. So

5:20

you got to stop comparing your

5:22

chapter two to someone else's chapter

5:24

six. You got to stop

5:26

comparing your chapter one, if you're just

5:28

now starting out to someone else's chapter 10.

5:33

It took many wealthy

5:35

people years to build

5:37

what you're just starting

5:39

and young people. I want to speak

5:41

to my younger generation right there. No,

5:45

you can't graduate college today. No, you can't

5:47

graduate high school today and think you're going

5:49

to be worth 20 million dollars and

5:51

you're not going to have a job and

5:53

you're going to have people working for you. No,

5:57

get out there and get a job. Learn

6:00

how to be an employee. Learn what

6:02

it feels like to be an employee

6:04

so that way you can be the

6:06

best employer when God puts you in

6:08

that position. Because if you don't know

6:10

how to treat your employees, if you

6:13

don't know how to treat your team

6:15

members, your business is not going to

6:17

go far. Because why? Success is a

6:19

loan game. I'm

6:21

not saying we haven't

6:23

seen overnight success, but

6:26

overnight success and overnight

6:28

wealth is very, very

6:30

rare. But most real

6:32

success comes from consistent

6:35

effort. Growth is supposed to

6:37

feel slow. If it was

6:39

easy, everyone would be wealthy.

6:41

If it was easy, everyone would

6:44

be wealthy. If it was easy,

6:46

everyone would be wealthy.

6:49

Everyone is always asking, like, Anthony,

6:51

man, you've grown so fast. You

6:53

know, four or five years ago, you

6:56

had 123,000 subscribers. Today, you're knocking on

6:58

that one million door. You're at 880,000

7:00

subscribers just on YouTube alone, and

7:02

you're killing it on podcast. You got

7:05

this over there. You got all these

7:07

emails, like, man, your brand is growing.

7:09

What was the success? How did you

7:12

grow so fast? I said, you're only

7:14

looking at the last four years.

7:16

Do not discredit. the five years

7:18

that it took me to

7:20

get to 130,000 subscribers. So

7:24

that's a total of almost nine years

7:26

that I've been doing this. The first

7:28

five years was trial and error, trying

7:30

new things, trying to do things that

7:32

I just, at that season of my

7:34

life, I couldn't do because I had

7:36

to keep in mind of a larger

7:38

and more, a larger, and I wouldn't

7:40

say a better, but a larger and

7:42

a more profound name that some of

7:44

the things that I wanted to do

7:46

and say that just didn't align there.

7:48

So I couldn't do things. But when

7:50

I got out on my own my

7:52

own, man. And we grew a little

7:55

bit faster over the four years because

7:57

we were able to take a little

7:59

bit more edge. approach to my

8:01

content. But we still

8:04

can't discredit. I

8:06

didn't grow overnight. I'm

8:08

not knocking on a

8:10

million in one year. It's

8:13

been years and years

8:15

and years of work.

8:17

It's been years of

8:19

small wins that have

8:21

led to big success.

8:23

Every single day I'm waking up,

8:25

okay, what can I do today

8:27

to build more wealth? What can

8:29

I do today to get to

8:31

a million subscribers? What can I

8:34

do today that makes me a

8:36

better man? And when I become

8:38

a better man, I can make

8:40

more money because as I'm evolving,

8:42

as I'm growing, as I'm maturing

8:44

in leadership styles and how I'm

8:46

growing as a leader, it just,

8:48

it only helps me. So I

8:50

wanna say this up front. Yaw,

8:53

give yourself

8:55

some grace.

8:58

Give yourself

9:00

some grace.

9:02

Because you're

9:04

building something

9:08

that will last.

9:11

Here within

9:13

our community,

9:15

the E3

9:17

community, we're

9:20

not We're

9:32

When y 'all hear me say that, I just

9:34

feel something dropping my spirit. something

9:42

We're

9:46

building

9:50

something

9:56

that if we're blessed and fortunate enough

9:58

that our children children's

10:01

children will say

10:03

thank you grandma

10:05

thank you grandpa

10:08

we're building something

10:11

that our local church

10:13

when we pass will say

10:16

thank you a yo Because

10:21

we gave ourselves enough grace to

10:23

understand that, hey, we're building something

10:25

that will last, and not just

10:27

last to benefit me, but it

10:30

will last to bless generations. It

10:32

will last to continue building the

10:34

kingdom. It will last to impact

10:36

the culture in the community. I'm

10:38

building something, and God convicted me.

10:40

Oh my gosh. My company was doing

10:42

well a year and a half ago.

10:44

Very well. We was making millions. And

10:46

God said you look good today,

10:48

but you're not really building something.

10:51

that will last way beyond you.

10:53

I said, what? What do you mean?

10:55

And he gave me this

10:57

idea that downloading to my

10:59

head that, you know, you're

11:01

comparing yourself to all these

11:03

people out here. And watch this.

11:05

I've called them to do that. But

11:07

I've called you to do something

11:09

else. And I need you to pivot

11:12

from what you see in your

11:14

particular space and pivot over here

11:16

and work on this. And

11:20

do this. Because this is going

11:22

to, this is going to be

11:24

beyond you. This is going

11:26

to be bigger than Anthony.

11:29

It's going to be bigger

11:31

than the table with, the

11:33

table with Anthony O'Neill. It's

11:35

going to be bigger than

11:37

the Neatness Network. This is

11:39

going to impact the world.

11:41

And because you do this,

11:43

when you do this over

11:45

here, now you're impacting families

11:47

who've never met you before.

11:49

because you're building something that

11:51

will last, not just something

11:53

that looks good and goes viral today.

11:55

No one is going to remember you

11:57

10 years from now because you went

11:59

viral. but they will remember

12:03

you. They will remember

12:05

you if you can

12:07

help them impact

12:10

and change their life.

12:12

So wealth doesn't

12:15

look good. Wealth

12:17

feels good. And

12:19

wealth produces

12:21

something that

12:23

is bigger than you.

12:25

If we're going to separate

12:28

ourselves from the world, separate

12:30

ourselves from what we see

12:32

on Instagram, from what we're

12:35

seeing, they do. If you're

12:37

saving, if you're investing, and

12:39

if you're living below your

12:41

means, you won't always look

12:43

rich, but you're actually setting

12:45

yourself up to be wealthy. I

12:47

wish we could put that B.

12:50

on the screen. And if you

12:52

can figure that out, if you

12:55

can put that B, just

12:57

put B real big on

12:59

the screen. Because I don't

13:01

want us to look L-O-O-O-K,

13:03

rich. I want us to be

13:05

wealthy. Because we know what

13:08

look means. Looks means like,

13:10

okay, you look good, but

13:12

are you good. You look

13:14

rich, but are you

13:16

wealthy. You look mentally

13:18

healthy. But

13:20

are you mentally healthy?

13:23

Do you look like you

13:25

got everything together?

13:28

Do you look rich? But

13:30

I want you to be

13:32

wealthy. The truth of

13:35

the fact is, as

13:37

I'm continuing to grow

13:39

and to learn and

13:42

evolve, wealth is built

13:44

somewhat in private.

13:49

Just because

13:52

you don't

13:56

post about

14:00

all of your investment strategies, it doesn't

14:02

mean you don't have an investment portfolio. And

14:09

I'm having to constantly remind

14:11

myself because I think for

14:13

me, there's a balance between

14:15

showing you all what financial

14:18

freedom and what wealth looks

14:20

like because I need y

14:22

'all to see a man

14:24

who builds wealth and what

14:26

that looks like. But

14:28

at the same time, I don't

14:30

need to be showing you all

14:32

every single thing because that's none

14:34

of y 'all's business. It's none

14:36

of our business on every single

14:38

thing that you have because wealth

14:40

is built in private. And

14:43

honestly, you don't want

14:45

everyone knowing how much money

14:47

you actually have because

14:51

one thing I've learned, especially

14:53

over the last four years,

14:55

delay gratification wins, man. I

14:58

think all of us, we always try to

15:00

immediately go for the quick wins. And I

15:03

think in certain places and certain seasons, going

15:05

for the quick wins is actually good. For

15:07

an example, if you're eliminating your debt, going

15:09

for the smallest one, which is a quick

15:11

win is actually pretty good. But

15:14

sometimes, sometimes delay

15:16

gratification wins. Sometimes

15:18

going the longer

15:20

route, like me,

15:22

going back into

15:24

school and doing

15:26

two degrees, two

15:29

degrees at the same time. You

15:31

know where your business would be

15:33

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15:35

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15:37

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15:39

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16:00

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16:02

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16:07

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Terms and conditions apply.

17:05

Hiring? Indeed is all

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you need. It's been, uh, y'all,

17:10

I have literally cried

17:12

at night sometimes,

17:14

and I felt the stress,

17:16

but what has pushed me

17:18

to keep going was delayed

17:21

gratification, that

17:23

that where God watch this,

17:25

Where God is telling me to

17:27

go, or we talked about earlier,

17:30

right, my next steps, I

17:32

know for me to get to

17:34

my next steps, I have to

17:36

buckle down at 2025. I have

17:38

to. I have to buckle down

17:41

at 2025 and get my degrees.

17:43

Have to. And I'm doing it.

17:45

I have even told y'all

17:47

every single thing that

17:50

we've really been working on.

17:52

But I'm doing it. We're

17:56

doing it real good. We

17:58

have to skip the flex

18:00

now so that we can live

18:02

financially free later. So many of

18:05

us are going to wake up

18:07

when we're 70 years old, 80

18:09

years old, saying gag on it.

18:11

Why was I flexing so much?

18:13

Because now in my 70s and

18:16

80s I still got to work

18:18

at McDonald's. I still got a

18:20

Rooker Burger King. I still got

18:22

to work at Walmart because I

18:24

was flexing when I was younger.

18:26

I had a Luvertine purse, I

18:29

had a Luvertine backpack, I was

18:31

flying first class every single wear.

18:33

I was flying first class every

18:35

single wear. I was flying on

18:37

private jets because I was making

18:40

this money as an influencer. when

18:42

I should be in peace, when

18:44

I shouldn't have to work, when

18:46

I should be a great-grandfather, a

18:48

great-grandmother, when I should be, you

18:51

know, watching my grandkids and sending

18:53

them back bad. Now I have

18:55

to work. Now I have to

18:57

work. Because I was flexing. So

18:59

if you're behind, watch this. I

19:01

need you to invest in your

19:04

future, not just your image. I

19:06

need you to invest into the

19:08

stocks, to the stock market, real

19:10

estate. build a business. I want

19:12

you to do all that over

19:15

designer brands any day. I don't

19:17

want you to try and keep

19:19

up with the people because most

19:21

folks flexing online don't even have

19:23

a thousand dollars in their savings

19:25

account. That's proven fact. Another study

19:28

came out revealed that if a

19:30

two thousand dollar emergency came up

19:32

only 38% of people in America

19:34

could afford to pay for it

19:36

cash, but they got a million

19:39

miles. They got a million

19:41

miles and they got an 800

19:43

credit score, but don't have $2,000

19:45

inside their bank. Listen, y'all, stay

19:47

focused on your goals. Do not

19:50

focus on the lifestyle that we

19:52

see on social media. Because the

19:54

truth of the fact is, their

19:56

path isn't yours, and you do

19:58

not want that path. to be

20:00

yours. Do you really want to

20:02

look like you have a lot

20:05

of money? Do you really want

20:07

to have a million miles?

20:09

A million points? Do you

20:11

really want to have an

20:14

800 credit score? But you

20:16

don't even have $2,000 inside

20:18

of your bank account?

20:20

You're a living paycheck.

20:22

But you can Brad that

20:24

I got the Amex flying for free.

20:27

I want to talk numbers real quick.

20:29

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20:31

anywhere from $100 to $20.50 per session.

20:34

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20:36

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20:38

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20:41

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20:48

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20:50

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20:52

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20:55

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20:57

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20:59

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21:01

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21:03

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21:06

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That's better help help.com/ao. All

21:41

right, let's get back to

21:43

today's show. Keep your eyes

21:45

on what truly truly

21:48

matters because here at

21:50

the end of the day,

21:52

real wealth looks different. Real

21:56

wealth doesn't need to

21:58

prove anything. I've

22:01

never seen Bill Gates, I saw

22:03

him on, man I forgot the

22:05

name of the podcast that I

22:07

follow. He just recently did a

22:10

podcast and man, the dude does

22:12

not look like he's a billionaire.

22:14

Due out on some Levi, James,

22:16

Apollo shirt and some Nike comfortable

22:18

shoes. I was like, wow. Now

22:21

I'm not knocking, you know, especially

22:24

within our community, within the black

22:26

community, fashion is just our thing.

22:28

I'm not knocking us for fashion.

22:31

I think my problem is when

22:33

we choose fashion over financial stability,

22:35

that we would rather look good

22:38

than actually be good. Because true

22:40

wealth, real wealth, doesn't need to

22:42

prove anything. Real wealth move differently.

22:45

Instead of showing off, real wealth

22:47

focuses on ownership and freedom and

22:50

freedom and impact. Wealthy

22:53

people buy assets, not only

22:55

liabilities. I hate it when

22:57

I hear some people say

22:59

wealthy people don't buy any

23:02

liabilities. No, they do. But

23:04

they've built so much of

23:06

an asset portfolio that the

23:08

income that's coming from the

23:10

assets pays for their liabilities.

23:13

But they focus on building

23:15

portfolios, not just buying material

23:17

things. Wealthy people are living

23:19

below their means. I

23:22

think a study came out of

23:24

Rio that nearly 48% no no it

23:26

was about 60% of millionaires drive

23:28

used cars and live in modern size

23:30

homes. They're not living in these big

23:33

20,000 30,000 square foot homes which

23:35

again there's nothing wrong with that. But

23:37

also we also also have to

23:39

keep when I'm quoting millionaires. One of

23:42

the things I've learned from. my mentor

23:44

and old boss, Dave Ramsey is,

23:46

we gotta get out of this same

23:48

millionaires or people who make a

23:50

million dollars, right? No, the millionaires are

23:53

people who have a net worth

23:55

of a million dollar portfolio. So these

23:57

are individuals who may make $100,000 a

23:59

year. but they have a million

24:01

dollars invested. So it's not

24:03

just individuals who may make

24:05

a million dollars a year

24:07

that are millionaires, because watch this.

24:10

I know millionaires who make a

24:12

million dollars a year, but do

24:14

not have a million dollars invested.

24:17

But I know someone who makes for an example

24:19

right now, I think their household income

24:21

is a hundred and twenty three thousand

24:23

dollars between him and his wife and

24:25

they have a one point four million

24:27

dollar portfolio When it comes to their

24:29

house is paid for so that's an

24:31

asset They have cars paid off. They

24:33

have stock market and they have a

24:36

small business and all of that cash

24:38

liquid to where if they want to

24:40

sell everything today They're like one point

24:42

something million dollars. Those are millionaires

24:44

and they live in a very modest home

24:46

Okay Let

24:48

me tell you something I

24:51

really have been focusing on.

24:53

Is that I'm at a point in

24:55

my life that yes, I want to

24:57

make a lot of money that

25:00

allows me to be

25:02

comfortable. But before money,

25:04

I want more freedom, specifically

25:06

time freedom. Because what

25:08

I'm learning is time

25:11

freedom is the real

25:13

flex. Y'all, we

25:15

gotta build a solid emergency

25:17

fund, because the truth of

25:20

the fact is life happens.

25:22

And if we're not prepared

25:24

for one, if we're

25:27

not prepared for just

25:29

30 days of unexpected

25:31

expenses to happen, because

25:33

life is gonna happen,

25:36

that's gonna prevent us

25:38

from building emergency. I'm

25:40

sorry for building wealth.

25:43

The basics for me is start

25:45

by building 30 days of your net

25:47

pay inside of a high-yield savings

25:50

account that sits in your SOFA

25:52

account. So, files can give you

25:54

$300 plus give you up to 4%

25:56

interest. Remember I talked to someone of

25:58

my shows before too. Why is it

26:01

important to have a high-yield savings

26:03

account compared to a standard savings

26:05

account? Well, the average standard savings

26:07

account is 0.05%. The average high-yield

26:09

savings accounts will be in between

26:11

3.5 to 5% of interest rate.

26:13

Well, Anthony, 3.5 to 5%, that's

26:15

not a lot of money. Agreed

26:17

is not a lot of money.

26:19

But the thing is, when it

26:21

comes to parking your money inside

26:23

a savings account, is that you

26:25

want your money to be growing

26:27

with inflation. So if inflation goes

26:29

two to three percent a year,

26:31

you want your money growing two

26:33

to three percent a year. If

26:35

inflation goes up one percent and

26:37

you go up two and a

26:39

half percent, but that means your

26:41

money outgrew inflation. That's why if

26:43

you're going to have your money

26:45

sitting inside of a high-yose savings

26:47

account by putting maybe just one

26:49

month of your net pay instead

26:51

of a high-yose saves account, then

26:53

eliminating your debt, after you eliminate

26:55

your debt, you're going to put

26:57

three to six months of your

26:59

net pay inside of this so

27:01

far high-yose saves account, then now

27:04

your money is keeping up last

27:06

month alone. Last month, I've saved,

27:08

I went further and beyond, I

27:10

have saved one year of my

27:12

net pay that I pay myself,

27:14

right? So this way I can

27:16

cover mortgage, golfing, traveling, whatever that

27:18

is, I paid my average one

27:20

year of net salary that I

27:22

paid myself and I put down

27:24

the side of a high use

27:26

savings account. So that's over, you

27:28

know, a good six figures. Last

27:30

year, that account made me 700.

27:32

So we're going to drop so

27:34

far as information inside of today's

27:36

show notes. You'll click on it

27:38

because I don't know how much

27:40

longer they're going to be giving

27:42

you $300 for this particular account.

27:44

But I promise you right now

27:46

if you go to Anthonyonil.com for

27:48

slash savings is going to be

27:50

amazing. But I also want to

27:52

say this, your emergency fund is

27:54

not your fund money. All right.

27:56

This is not. single people. This

27:58

is not your line item on

28:00

your budget, because you should have

28:02

this on your budget. This is

28:04

not your dating money. This is

28:07

not, ladies, your hair money, your

28:09

makeup money, your nail's money. Your

28:11

emergency fund is like, oh, shucks,

28:13

I just broke a nail. Oh,

28:15

shucks, it was just raining, my

28:17

hair got messed up. No, no, no, no, no,

28:19

no. That should be a separate line

28:21

item on your budget, but your

28:23

emergency fund is not to be

28:25

touched unless it is an extreme

28:27

emergency. And to be honest with

28:29

you, I have two particular items

28:32

within my budget. I have

28:34

an emergency fund, then I

28:36

have a miscellaneous fund. A

28:38

miscellaneous fund, I may have

28:40

like an extra $500 to

28:42

$1,000 that's sitting there for

28:44

an example. Some of you

28:47

may just have a miscellaneous

28:49

fund of $100,000, $300,000, $300,000,

28:51

just sitting there for an

28:53

example. Some of you may

28:55

just have a miscellaneous fund,

28:57

and that's what I tend

28:59

to do. miscellaneous. If I have

29:01

an extra $200 sitting there for the

29:04

miscellaneous spending and I have a $100

29:06

miscellaneous budget that comes up like a

29:08

friend asked me to come out to

29:10

a dinner and I spent $75. Okay

29:12

cool great I'm gonna take that out

29:14

of my miscellaneous if I don't have

29:16

it inside of my food fund. All

29:18

right and so this this this is

29:20

super crucial to all of us and some

29:22

of you I probably say Anthony but I

29:25

don't know how to start let me tell

29:27

you how to start. Start small and

29:29

just be consistent. Even if you

29:31

can only start with $50, put

29:34

$50 inside this Hiyo savings account.

29:36

Then as you're working your way up, as

29:38

you're gaining more money, as you're going

29:40

back to your budget, as you're going

29:42

back and looking at your finances and

29:44

seeing where you can move things and

29:46

allocate things differently, then you'll go on

29:48

up. The goal again is to set

29:51

aside one month of your net pay

29:53

right now because 40% of the American people

29:55

cannot afford a $1,000 cash

29:57

emergency without financing it without

29:59

putting... on the credit card, you're

30:01

going to be ahead of 40%

30:04

of the people in America. Let

30:06

me put it like this. You're

30:08

going to be ahead of 40%

30:10

of your friends. And so to

30:13

do that, you've got to automate

30:15

your savings. Set up on automatic

30:17

transfers every single time you get

30:20

paid until you reach your goal.

30:22

But if you're going to set

30:24

up automatic transfers by building a

30:27

high-yield savings account, you've got to

30:29

cut un, non-essential expenses. Read direct

30:31

money, right? from unnecessary subscriptions, dining

30:34

out, and in-pill spending into your

30:36

emergency fund. Maybe you need to

30:38

pause on some of those apps.

30:41

Maybe you need to pause on

30:43

some of those subscription things that

30:45

you have, and just redirect it

30:48

into your emergency fund, because I'm

30:50

going to tell you, I'm going

30:52

to be honest with you, but

30:54

I'm not fearful. because I have

30:57

an emergency fund. If I was

30:59

to lose everything in my business

31:01

right now, if I had to

31:04

shut down my business right now,

31:06

I will be good for one

31:08

year. I will be so good

31:11

for one year. I wouldn't have

31:13

to change my lifestyle and as

31:15

determined and as a focus as

31:18

I am and creative as I

31:20

am, I can find money within

31:22

a year. Heck, to be honest

31:25

with you. Give me 90 days

31:27

to six months. I'll find a

31:29

way to make me some more

31:31

money. And what I love about

31:34

it is I'm debt free. I

31:36

don't have any major bills outside

31:38

of my consumer debt. Not consumer

31:41

debt. I don't have no, I

31:43

don't have any consumer debt, but

31:45

outside of my non-consumer debt, which

31:48

are mortgages, I am, I'm good.

31:50

I don't have to sell my

31:52

cars. I can cook

31:55

from the house, I got a beautiful house

31:57

with a great grill, like I'm straight. Some

32:00

of you all are going to get some

32:03

tax refunds this year. You know this you

32:05

got to use your extra wisely Tax

32:07

refunds bonuses Side hustle income instead

32:09

of spurging I want you to put

32:11

50% of that into your savings until

32:13

you hit your savings goal Are

32:24

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32:26

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