The Table with Anthony ONeal

Welcome to The Table with Anthony O'Neal, the show built to help you get out of the red and into the black. Hosted by #1 national bestselling author, professor, and trusted money expert Anthony O'Neal, The Table is where faith meets finance and vision meets strategy. Each episode gives you the tools, truth, and proven systems to break free from debt, build real wealth, and design a life of freedom on any income. You'll learn how to write a vision for your money, eliminate consumer debt for good, build margin, invest with confidence, and leave a legacy that lasts for generations. This isn't hype. This is wealth architecture, one conversation at a time. Pull up a seat. Your freedom is on the other side. 📘 Pre-order Anthony's brand new book Stop Living Paycheck to Paycheck at anthonyoneal.com/book

  1. 1 day ago

    $900 Paycheck, $6.32 Left, 48 Hours to Go (True Story)

    I had $6.32 to my name. Not in one of several accounts, in my only account. This is the night that started my story instead of ending it. Before you judge that number, I need you to know something. If you've ever smiled at work while your bank account told a different truth, this episode is for you. I'm walking you through the exact night at the gas station, the McDonald's order I cut in half with a kitchen knife, and the moment everything shifted for me at 20 years old. Then I'm showing you why free is better than rich, and what I want you to do about your own version of this story starting today, not someday. Timestamps: 0:08 – The night I had $6.32 to my name 1:14 – Pulling into the gas station with an empty tank 2:04 – The exact balance: $6.32 2:38 – 48 hours until my next paycheck 3:02 – The gas station trick nobody tells you about 3:41 – McDonald's: two double cheeseburgers, two sweet teas 4:23 – Cutting the burger in half with a kitchen knife 4:51 – "I can't even afford a meal at McDonald's" 5:48 – Why I wrote Stop Living Paycheck to Paycheck 6:46 – It's not normal, and it's not who you are 7:22 – Freedom is better than being rich 8:58 – The one sentence I need you to write tonight 9:29 – The book that came from a gas station parking lot 11:47 – Order your copy today Family, we are building something bigger than a channel. Our goal is 1 million strong in the E3 family, people committed to getting out of debt, building real wealth, and living free on any income. If this episode moved something in you, hit subscribe and bring somebody with you who needs to hear it too. Whatever your version of my $6.32 night has been, it doesn't have to be where your story ends. It doesn't have to be where your children's story begins either. 🔗 Get the book, Stop Living Paycheck to Paycheck: https://www.anthonyoneal.com/book 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 wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

    $900 Paycheck, $6.32 Left, 48 Hours to Go (True Story)
  2. 3 days ago

    Single and Financially Behind? My 4-Part Plan to Build Wealth and Security on One Income

    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 single person should build. 09:16 – Your income is your entire financial engine. 12:55 – Your income is not a group project. 15:42 – Build financial safety when there’s no second income to fall back on. 22:39 – Build your retirement plan in the right order. 24:48 – Don’t enter marriage as a financial burden. 27:32 – Legacy planning isn’t only for married people with kids. 32:04 – Your stewardship doesn’t start when you get married. QUOTES  “There's no spouse retirement account to fall back on later. Your account is the account.” – Anthony O’Neal  “Your income is not a group project. This ain't dissing nobody. This ain't being different. This is what I call: love with structure. You cannot build your future while quietly funding everyone else's present.” – Anthony O’Neal  “Stewardship is not just about what we do today. Stewardship is about what did we position to happen after we left.” – Anthony O’Neal  “Legacy is a head start.” – Anthony O’Neal  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 wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

    Single and Financially Behind? My 4-Part Plan to Build Wealth and Security on One Income
  3. 4 days ago

    I have $23,000 Total In Debt — Which One Should I Pay Off First?

    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 avalanche debate for good, and explains why momentum — not math — is what actually gets people out of debt. IN THIS EPISODE, YOU'LL LEARN: - Why attacking your highest-interest debt first can actually cause you to quit - What a study of 6,000+ households found about who actually becomes debt-free - Why paying off a small debt fast can matter more than saving the most money - The exact order to list and attack your debts (no interest-rate math required) If you're tired of starting debt payoff plans and quitting in the middle, this episode will change how you think about where to start. And if you're ready for a full step-by-step plan, Anthony's new book, Stop Living Paycheck to Paycheck, walks you through the complete 5-phase debt-free roadmap — available now at https://www.anthonyoneal.com/book. 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 wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

  4. 5 days ago

    How Much You Should Have Saved for Retirement by 40, 50, 60 & What To Do If You’re Behind

    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 loss, or an unexpected setback, this episode will not only help you face your finances honestly but also help you determine your next step and start building toward financial freedom. 📚 Resources Mentioned In This Episode: - 📖 Get my new book, Stop Living Paycheck to Paycheck: https://www.anthonyoneal.com/book - 📈 Compare top investing platforms & start investing today: https://www.anthonyoneal.com/invest - 💰 Find the best high-yield savings accounts (updated weekly): https://www.anthonyoneal.com/savings QUOTES  “You don’t have time to waste margin on the wrong priority.” — Anthony O’Neal  “Panicking has never once built a dollar of wealth. But clarity and determination [have].” — Anthony O’Neal  “Financial freedom is a decision before it is ever a destination.” — Anthony O’Neal  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 wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

  5. 6 Aug

    Why Pay Raises Disappear in 6 Months (And How to Stop It)

    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 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 wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

  6. 5 Aug

    10 Worst States to Live in If You Want to Get Ahead Financially in 2026

    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 steps you can take to protect your finances, even if you have no plans to move. Read the Article: https://www.cnbc.com/2026/07/11/worst-states-to-live-in-america-2026.html KEY POINTS  00:00 – Introduction 04:48 – Building wealth is about more than math, your environment matters too 05:57 – The five factors that can quietly cost you thousands each year 06:24 – The 10 worst states to live in financially, ranked from #10 to #1 19:46 – What to do if you already live in one of these states 21:14 – Why a bigger paycheck isn't always a financial upgrade 21:36 – How to build wealth no matter where you live 22:55 – Why the goal isn't more money, it's more freedom QUOTES  "Building wealth is math plus environment.” – Anthony O'Neal "A bigger paycheck and a state that costs you more in hidden ways is not a raise. Sometimes it's a pay cut disguised as an opportunity." – Anthony O'Neal "What's the course we're aiming for? You all know it's not more money. It's more freedom. Money plays a role in that. But freedom is the end goal." – Anthony O'Neal 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 wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

  7. 4 Aug

    77% Couldn't Survive One Late Paycheck. Could You?

    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 6:30 – Self-diagnosis: are you trapped? 7:30 – Today's move: calculate your real number 8:30 – Where this fits in the 5-phase plan 9:15 – Get the full step-by-step system If this episode helped you see your situation clearly, hit subscribe and join the movement. We're building 1 million strong E3 family members who are done living reactive and ready to live on purpose with their money. Get the full step-by-step plan in Anthony's new 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 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 wealth, and break generational poverty. His mission is to help you maximize your income, eliminate debt, and create a life of freedom and legacy. 📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com 🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com Connect With Anthony: 👉 Website: https://www.anthonyoneal.com 📸 Instagram: https://www.instagram.com/anthonyoneal 🎵 TikTok: @_anthonyoneal FREE TOOLS & RESOURCES: 📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget 🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan 📞 Call In & Be On The Show: (771)-224-8131 TRUSTED PARTNERS: These tools help you win with money: - SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings - Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly - Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff - MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo - Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos - BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community! ⚠️ GENERAL DISCLAIMER This content is for educational and entertainment purposes only. I am not a licensed financial advisor. Please do your own research and consult a certified professional before making financial decisions. Advertising Inquiries: https://redcircle.com/brands Privacy & Opt-Out: https://redcircle.com/privacy

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Welcome to The Table with Anthony O'Neal, the show built to help you get out of the red and into the black. Hosted by #1 national bestselling author, professor, and trusted money expert Anthony O'Neal, The Table is where faith meets finance and vision meets strategy. Each episode gives you the tools, truth, and proven systems to break free from debt, build real wealth, and design a life of freedom on any income. You'll learn how to write a vision for your money, eliminate consumer debt for good, build margin, invest with confidence, and leave a legacy that lasts for generations. This isn't hype. This is wealth architecture, one conversation at a time. Pull up a seat. Your freedom is on the other side. 📘 Pre-order Anthony's brand new book Stop Living Paycheck to Paycheck at anthonyoneal.com/book

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