Support Zoom Sessions - Session 2: Finances with Anthony O'Neal

Summary

ONE | A Potter's House Church
Support Zoom Sessions - Session 2: Finances with Anthony O’Neal
Date: April 17, 2026

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Episode Overview

This episode centers on equipping listeners with a pragmatic and faith-filled approach to personal finances. Renowned finance expert and author Anthony O’Neal joins Dr. Anita Phillips (the host) and the ONE community for a step-by-step workshop on money management. Emphasizing that most people face “systems problems” rather than pure “money problems,” Anthony leads participants through a downloadable financial worksheet, offering personal anecdotes, biblical perspective, and actionable strategies for building wealth, tackling debt, and moving confidently toward their God-given “big move.”

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Key Discussion Points & Insights

1. The Relationship Between Faith, Fear, and Finances

• Money provokes fear in many, akin to other major life transitions.
• Many attendees are in a "big move season," encouraged to take bold faith steps that often intersect with financial uncertainty.
• Quote:

  “Most people do not have a money problem. The majority of people have a systems problem, and tonight we’re going to fix that.” – Anthony O’Neal (03:35)

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2. Clarity Before Cash: Vision and Financial Purpose

[05:15–07:08]

• Anthony introduces the concept that clarity around vision brings financial confidence, while confusion breeds more fear.
• Listeners are urged to identify which of three outcomes their “big move” should create: income, impact, or stability.
• Quote:

  “If your money had to follow your vision today, would it know where it’s going?” – Anthony O’Neal (04:56)

• Takeaway: Write down your move and what it is supposed to produce. Don’t overthink; get clear and specific.

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3. Diagnosing the Real Money Problem

[07:08–14:23]

• Four main financial struggles are outlined:
  • Income Problem: Not making enough
  • Debt Problem: Past borrowing weighing on the present
  • Knowledge Problem: Lack of financial education
  • Mindset Problem: Fear, survival thinking, low financial self-esteem
• Solutions must target the actual problem—no one-size-fits-all fixes.
• Quote:

  “We are the most creative group of people in the world, where do we struggle? With strategy. If we can put strategy with our creativity...we won’t have a money problem.” – Anthony O’Neal (11:56)

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4. Facing Your Current Financial Reality

[14:23–19:09]

• Practical step: Print and highlight your last 1–3 months’ bank statements.
• Use different colors to mark living expenses, transportation, utilities, food, and childcare.
• Identify if you have a “deficiency problem” (spending > earning), “pressure problem” (high debt), or “margin problem” (no money left over).
• “God cannot multiply what we do not manage.” – Anthony O’Neal (16:56)

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5. Finding Your Financial Starting Point

[19:09–25:37]

• Three categories:
  • A: Stabilizing – Need to save one month’s net income, stop borrowing, begin zero-based budgeting.
  • B: Stable but early – Build vision while maintaining main income. Move strategically.
  • C: Ready to Move – Have 3–6 months emergency savings; prepared for unpredictabilities.
• “Faith to me is not reckless. Faith to me is strategic.” – Anthony O’Neal (24:51)

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6. Essentials-First Money Planning

[25:37–28:40]

• Core expenses: housing, food, utilities, transportation, children’s needs.
• For believers, “tithing” should be considered a priority line item.
• Quote:

  “The greatest wealth building tool we all have is the margin we have left over after we spend all our money.” – Anthony O’Neal (16:10)

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7. Creating Margin

[28:40–33:14]

• Cut subscriptions, pause unnecessary spending, and reduce dining out.
• Challenge: Find $100–$300/month in your current budget to repurpose.
• “Trade-offs matter. Those choices are what create margin.” – Dr. Anita Phillips (31:40)

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8. Increasing Your Income

[33:14–36:11]

• Focus on “one more stream, well done” rather than many.
• Three current high-opportunity fields: skill-based content creation, IT, AI/tech.
• Example: 22-year-old who learned AI automations in a $500 bootcamp now earns $10k/month, using that to fund his dreams.
• “Do not let your pride hinder you from getting to your purpose.” – Anthony O’Neal (35:16)

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9. Starting Without Waiting for More

[37:22–40:05]

• “Start with what’s in your hands”—use your existing skills, leverage your current network, serve people first, and don’t obsess over perfection.
• “Some of you are waiting for more money to start, and that’s exactly why you haven’t started.” – Anthony O’Neal (38:06)
• Practical advice: Write down your unique, God-given skills; begin with small, service-oriented steps.

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Notable Quotes & Memorable Moments

• On impact over income:

  “You can chase income and not have an impact, but you cannot have an impact and not have income.” – Anthony O’Neal (24:34)

• On strategic faith:

  “Faith to me is not reckless. Faith to me is strategic.” – Anthony O’Neal (24:51)

• On starting small:

  “Start with your skills, not with your money.” – Anthony O’Neal (38:41)

• On stewardship:

  “God cannot multiply what we do not manage.” – Anthony O’Neal (16:56)

Lighthearted moment: Anthony playfully teases Dr. Anita for her love of Starbucks, suggests making coffee at home to save money, and both laugh about their spending choices. (30:48–31:40)

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Segment Timestamps

• 00:00 – Introduction of guest Anthony O’Neal
• 02:50 – Anthony begins the worksheet process
• 05:15 – Clarifying your “big move” and financial purpose
• 07:08 – Diagnosing your financial obstacle
• 14:23 – Facing your actual financial numbers
• 19:09 – Anthony explains the three starting point categories (A, B, C)
• 25:37 – Building a simple money plan; prioritizing essentials and tithing
• 28:40 – Strategies to create financial margin
• 33:14 – Finding ways to temporarily or permanently increase income
• 36:11 – Dr. Anita’s story: no shame in starting small
• 37:22 – How to start now, with little or no extra money
• 40:05 – Closing encouragement and generosity (Anthony promises his new book to all attendees)

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Conclusion & Resources

Anthony O’Neal’s Call to Action:

• Print and handwrite the worksheet for maximal retention.
• Assess your current status honestly before making a move.
• Begin building financial margin, even if it means sacrifice.
• Start acting now with what God has already placed in your hands.

Special Gift: Every attendee will receive a free copy of Anthony’s upcoming book, Stop Living Paycheck to Paycheck (42:00).

Find Anthony O’Neal:

• AnthonyONeal.com

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Tone: Uplifting, relatable, humorous, and deeply practical—anchored in faith and real-life experience.

Summary Crafted For: Listeners who want to understand the full arc of the teaching, gain actionable tips, and feel empowered to tackle their own finances through a lens of faith and stewardship.

Transcript

[A]

We are back for our second segment and this one is about money. We were talking about fear in session one is almost the same topic for a lot of people. Fear finances is both start with F and both be scaring people to death. But we are going to address it on tonight. We are going to have finance be the F word and we have a professional here to help us. My good friend and his name is Anthony o' Neill and I'm going to honor him by reading some of his bio. So here we go. Anthony o' Neal is a number one national bestselling author of take your seat at the table, live an authentic life of abundance, wellness and freedom which was released in January of last year. If you don't have it, get it. He also has a best selling book called debt free degree. He's a leading personal finance expert, the host of top rated podcast and YouTube show the Table with Anthony O' Neal and a nationally recognized voice helping people break free from debt and and building lasting wealth. And because I love his academic journey, I also am going to say that he is an adjunct professor at Virginia Union University where he teaches consumer economics, recently earned his executive MBA in church management and is now pursuing his doctorate in business administration with a focus on finance and investing at Regent University, further equipping him to lead conversations at the intersection of faith, money and legacy. I got friends in high places, y'. All and he came to hang out with us tonight. Anthony, welcome.

[B]

Hey man, I cannot believe Pastor Dr. Anita read my bio. Out of all people, how did Pastor Dr. Anita, the one who is a PhD scholarly, New York Times best selling author, read my bio? But man, such an honor to serve you and serve your amazing people this evening. So thank you for having me on, sis.

[A]

Well, welcome. My folks are in the midst of what we are calling a big move season. And so I have challenged them to take a big move to make a big move. And that involves three portions. Big faith, big steps and big seed. So they're going to be sewing, they are believing God. But when it comes to making those steps, one of the hardest parts that they identified attached to that is finances. And so I'm hoping tonight you can give them some pragmatic ways to to address finances. Everybody take a look. In the chat. I have pinned another link for you and this link goes to a worksheet that Anthony has for you all tonight. And we're going to walk right through that together so that you can get some insight. And Anthony, I'm gonna let you take it away.

[B]

All right, man, we gonna go for it, y'. All. My sister, Pastor Doctor gave me my.

[A]

You really enjoy that, don't you? You just.

[B]

Yes, I do. You know what I'm saying? I knew. I knew title. So I'm. I'm gonna take advantage of this Pastor Doctor. That. That is just. Oh, I feel the Lord right there. Anyways, man, we're gonna. We're gonna have a good time tonight, y', all, because I know my brother's coming up right after me. And I really want to make sure that I give you all some practical and some biblical information tonight to help you with your finances. Because I was. I came on a little bit earlier just to listen in, to make sure I'm in the right spirit. It is really dope to hear that Pastor Doctor said that she has some R B music in her library that was really good for me, but also just. She said smart goals. So I'm going to fall in line with that. And so if you all can just open up, that sheet that we gave you tonight is really not going to be about information. It's going to really be about implementation. All right? So the information I'm going to give you tonight, some of you all are going to know it. I'm going to give it to you in a different kind of way. But one thing I've learned when it comes to wisdom, wisdom has two things. Receiving information and then applying what you've learned. All right? So by the time we're done this evening, you're not just going to feel better, but you're going to have, I would say, a solid plan and a solid strategy. Because wealth building, starting your business, building your bank account, opening up investments, it's really not about the income. It's just about the strategy that you put into place, but what God has already given you. And here's the truth that I really want you to know up front, all right? And I'm a black preacher, so y' all got to put hearts inside the chat. Something. Y' all gotta let me know that y' all following me and that you're flowing with me. But most people do not have a money problem, all right? The majority of people have a systems problem, and tonight we're going to fix that. So in section one, you will see the section, I think it's called what I'm looking at my notes. Big move, right? And so you'll see. Two questions. Now, tonight, I'm going to give you some time to write down, to answer it, type it in, if it's on your computer, Open up your notepad section real quick on your phone or. Or on your computer, your laptop, and I just want you to write these answers down. And then I want you to go back, print out the sheet of paper, and watch this. Do not print it. There's something about when you take time from a mental perspective. Yeah. I'm in school, so I've learned this. When you write down, it actually registers in your brain a little bit longer and faster compared to just typing it. So I want you to go a step further, print this out and write down the answers, but I want you to write down what. What you honestly feel called to do. And what is it supposed to produce? All right? And here's a simple thing. Do not overthink it. If your money had to follow your vision today, will it know where it's going? That's a quick question for you. If. If. If your money had to follow your vision today, would it know where it is going? So in section one, you will see it says, what is the move I feel called to make right now? What is the move supposed to produce? Is it income, impact, stability, or growth? Now, I'm going to be talking, but I want you all to answer this question, all right? So your move, I would say, should be producing one of these things. Income, Right? Income means I need to make. Make money. Impact means I'm serving people. Stability means it gives peace and I would say structure. Which one should it be if it does not fit one of these? It's not clear yet. Income, I need to make more money. Impact, I'm serving people. Stability gives peace and structure. Someone put in the chat real quick, which one, which one you at? Which one, you bet? Income, impact or stability? I see impact. Oh, I love y'.

[A]

All.

[B]

I, I can tell who's your pastor. I. I could tell who's yalls pastor. I. I'm loving this. All right.

[A]

Secondary, sometimes second income might come after the impact. I, I ain't saying, you know, I. I love it.

[B]

I love. I love love. But here's. Here's. Here's what I have learned. And, and we was. We was talking about fear in the first session. And thank you PDA for. For that. That session. I came in towards the middle, but y', all, six years ago, I transferred from what some people would call the dream job, flying on private jets, making high six figures, talking to 12 million people today a day on the radio show in rooms with billionaires. Don't have to worry about nothing to God tells me to leave and to go and serve People who look like me and help them get financial freedom. And what I. When I stepped out, I was. I was fearful. I wasn't fearful. That stopped me from stepping out. But when I stepped out, I was like, God, you told me to leave a situation that was paying me 20,000, 30,000, 40,000, sometimes $50,000 a month for what? Like. And I didn't see it. And he said, anthony, you don't see it because you're not clear. And what I've learned when it comes to our finances, Clarity, right? Creates confidence, confusion creates fear. So what I had to do is I had to step back and literally get out a sheet of paper, and I had to clearly write down where I'm at. That's biblical. What does the Bible say? Write the vision and make it plain. So answering these questions in the very first section when it comes to your money is super, super important. And do not worry about your answer. A lot of y' all said, impact. That's good. So now you know, this is what I need to focus on. Now let's go down to section two. Okay. What's making this hard? Let me pull up my notes so that way I'm making sure I'm flowing with you all. All right, so. So how I want to do this one? I like this one right here. I really do like this one. I want you to spend some time and look at these answers. I want you to check every single box honestly and honestly, do not feel guilty for the box that you. That you're going to click, all right? Everything you check falls into four, I would say four real problems. All right? So let's say for an example, income. Let's say you have my income is a problem. All right. All right. Got you. That just clearly means that as of today, you're not making enough or you think you do not make enough debt problem. Okay? Your past is eating on your future and eating on your present right now. Maybe we financed some things in the past that we shouldn't have, or maybe we had a health issue that came up or a job layoff, and we had to do what we had to do in our past. All right, cool. No problem. A lot of us is going to be because of the lack of knowledge problem. So sometimes we were never taught. Sometimes we didn't have access to certain kind of information and certain kind of people. All right, cool. I think there's none of us a mindset problem. And I think this is what Dr. Pda. I got to put pastor before it. Before what? Pda was hitting on last time is fear and survival thinking. Now, now I'm curious. Who's bold enough to tell me, which one of those categories do you fall in? The income problem, the debt problem, the knowledge problem, the mindset problem. Which one is it? Mindset, which is going to be the fear and survival thinking. So I see the debt. I see the mindset. I see the mindset. I see knowledge. Okay, all right, all right, all right. Now let me tell you this. This is why this is so, so, so important. How do I say this? You do not fix all problems the same way. You fix them based on what they actually are. So you can't fix a knowledge problem with income. You can't fix a debt problem. Right. If you don't have the right mindset. So you got to attack every single thing with a certain strategy. You're going to hear that word over and over and over and over tonight. Wealth building, getting financial freedom, eliminating debt, starting that business, creating more income is not really a money problem. It is a strategy problem. Now, I love all people, and I know you're pastor. She loves all people. But I can't hide from this. I'm black. And one of the things about black people, we are the most creative group of people in the world. Where do we struggle with strategy? So we have all the creativity. We have all the dreams, we have all the vision. But sometimes we lack on strategy. And if we can put strategy with our creativity, with what God has put on the inside of us as a gift, we won't have a money, A money problem. So let's go to section three, because now we're going to get into the money situation, the current financial reality. Now this is going to get very, very personal. Now, you don't have to put nothing in the chat, but. But again, I just like it. You know, I don't get to preach every Sunday like Pastor Dr. Anita. And so sometimes I just need y' all to talk back to me. All right? And so I need you to put real numbers here. I do not estimate these numbers. No guessing. I need you to put real numbers. How much do you make monthly? Right. I know it says approximately, but I want to stretch you past that. What hits your bank account, I want you to write that down. Now, I want you to think about what hits your bank account. If you have a job and if, let's say, if you're an entrepreneur like myself, well, we should know, on average, watch this worst case scenario, how much money will I make? And I think as entrepreneurs, what we tend to do we put down on that line what we could make on reality? What we should be doing is. Okay, worst case scenario, when it comes to my budget, this is what I know I can make this month. Now, if everything goes right, if God opens up doors, if God does this, okay, I can exceed that. But I know worst case scenario, Anthony o' Neal can make this amount of money, then we got to write down your monthly essential expenses. You have to write it down. Now, ladies, I see. I see we got ladies on here. How much are you spending on your hair? How much are you spending on your nails? Lord Jesus, she done went over her head. Oh, Lord Jesus. Oh, Lord, you got to do it. How much are you spending on your eyebrows? All right. How much you spend on your feet? Brothers, how much you spend on your haircut? How much are we spending on the gym membership? Everybody. Brothers, how much are we spending on dating? We got to be to the T. How much are you spending on that app so you can get the pimples and get all that stuff off of our skin. We gotta write down every single thing. Every single thing I'm saying one more time. Every single day.

[A]

Anthony, I sometimes think it's good to print out your bank statement.

[B]

That's a fact.

[A]

From the last month. And get you some highlighters because you won't remember every single thing you have to them. Five Apple subscriptions. The. Yeah, I'm going back out, but I just want to throw that out there.

[B]

Yeah, no, you definitely have to. And let me give y' all the four most important, important things that you need to highlight. And what I would do is, especially if you're an entrepreneur and your income is fluctuating, go to the last three months, all right? And get you five highlighters. The first highlighter, you need to highlight your living expenses, mortgage or rent. Second highlighter, transportation. If you're doing public transportation, if you got a car note, if you got gas maintenance. Third highlighter is going to be your utilities. Fourth highlighter is going to be food. Now watch this. On the food category, you're going to be highlighting every single time you eat out. If y' all like Yalls pastor pda, she loves Starbucks. So if you go to Starbucks, you got to highlight that, too. You got to highlight groceries, you got to highlight it all. Then the fifth one is if you have a child, any kind of children, expenses you have. So daycare, after school programs. Why are these five things so important? That's your mandatory expenses you got to spend every single month. And you need to know that to the T. And you need to see, okay, wait, am I spending too much money? Because if your expenses are greater than your income, then we have a deficiency problem. If your debt is high, this means that you have a pressure problem. It's just like you have a lot going at you every single month. If you have nothing left over, this means that we have a margin problem. And let me tell you this. Your greatest wealth building tool is not your income. Your greatest wealth building tool is not even your business or your job. The greatest wealth building tool we all have is the margin that we have left over after we spend all of our money. And if we have no margin left over, we cannot get to financial freedom. We cannot start that business. We can even expand our business. We can't invest into our future. And I think for me, what I've learned to create more margin is I don't have my Bible with me because I just got back. It's in my suitcase. But we got to be faithful over the little things because at the end of the day, God cannot multiply what we do not manage. He can't multiply that. He will not multiply what we do not manage. So if, if we're, if we're praying and asking God for more, right? But God is saying, already gave you some income, you're not even managing that well, God's going to look at you and say, listen, can you just manage that first? Can you just show me that you're managing that and I can expand your territory? And I had to realize that for myself as well. Youth Pastor 20 I was 25 years old. I was making $30,000 a year. This is back in the early 2000s. And I remember, I remember me being upset with my pastor, me being upset with everyone else because I decided to live above my means. I'm in Jacksonville, Florida. And if y' all know anything about Jacksonville, Florida, it is the largest land mass city in the United States of America. There is five sides to Jacksonville. I decided to go to the wealthiest side, making $30,000 a year. I was paying $1200 a month in rent and my check every two weeks was $900. If I would have went to the north side, it probably would have had a little smell in it. But I only would have been paying about $450 a month. But I wanted to be bougie because I'm a pastor. And I said, because I'm a pastor, I need to be where the pastors are. And so I was blaming the pastor for not paying me my money. That I was worth when really he was paying me what the average youth pastor was paying. But I just wasn't a good steward in managing what God had given me. So what we have to do is we have to be honest with ourselves and assess, okay, what is our issue? What is our situation? And trust you. Let me be honest with y'.

[A]

All.

[B]

Even at this stage of my life, I still got to battle and check myself with my own finances. I am a car guy. I love cars. And I love spending money on my house, and I love a good vacation. So I will splurge, but sometimes I gotta check myself. All right, let's keep going. Because how much more time we have left? Pda. How much more time I. Make sure I'm obedient.

[A]

We got 10 minutes and then a buffer of 10. So you good? You good?

[B]

Okay. Okay, now I'm gonna get done at 10. Cause I want to be invited back. All right, section four, Section four, section four, let's go. This is the starting point. So I'm going to go through this one real quick. This is recorded so you all be able to see it. All right? Now the starting point. I need you to circle one of these. A, B, or C. But circle where you actually are. Watch this. Not where you wish you were. We got to be honest with ourselves. All right? A, I need. If you're in the A category, I need to stabilize first. If you're here, then listen. I'm going to be honest with you. This is. You got to be honest with yourself and say. All right, okay, wait. Let me. Let. Let me calm down. Let me give you some practical things. If you're on A. Okay. Give you some practical things. Number one, I need you to save one month of your net pay inside of a high yield savings account. So this is not your expenses. This is your income. Let's say, for example, you made $3,500 a month. I need you to put that inside of that. Now, why would I say one month of your average net pay? And if you're on the entrepreneurial side of what you averagely make in one month, here's why. What we tend to do is we will make bad decisions with our fast side of the brain. Now. Now, this is where your. Your pastor is. Is way more proficient in this field than me. But I. From the little bit of education that I've received, there's two sides of our brain. There's this fast side and this slow side. And what we tend to do if we don't have any money saved at all immediately, we're going to go to our fast side because we got to operate quickly. And when we go to the fast side of our brain, we tend to make poor decisions. But if we had one month, this means if we had 30 days, we're going to go to our slow side because now we don't feel that pressure to do something because we need to eat tomorrow, because I got to pay my bills tomorrow. So one month gives you 30 days to be strategic, to maybe get an accountability partner, to maybe go talk to pda, to really get some advice on what you should do and how you should maneuver. So if you're an A, I want you to set aside at least one month of your net pay. Then two, stop borrowing any money. Just. Just stop borrowing anything. When it comes to consumer debt. Do not add on any more financial stress when you're in this situation. And then three, you got to write the vision and make it plain. You got to get on a zero based budget. You got to write down all your income that you may have. If you only have your 30, your 30 days sitting in your account, you gotta list all your expenses so you can know, okay, how long do I really have before I have to make a calculated decision? You got to get, you got to get there. All right? For me, stability is the foundation. You don't build a house on chaos, on drama, on issues. No, you got to build your foundation on something solid. Now, if you're in B, start small while you are. What does it say? Start small while staying stable. Okay. All right, that's good. Now how many of you all are A, how many y' all just put A. Just, just be honest with me. Say I'm on A. If you're on B, put B. Okay. All right, cool. There's no, there's nothing wrong with that. Okay, I see some bees. All right, all right. Now here's. Here's the thing with bees, all right? Start small while staying stable. Here's what I see the biggest problem with bees. I know we're in this dream big. Go big. I want you to go big. There's also a strategy to going big. So here is where. Keep your job, okay? Keep your job or your main source of your income for a little while. While you're praying, while you're fasting, while you're being obedient to what God has given pda. Yo. Okay, cool. I'm going there, I'm striving there. But wisdom is still keep income that can keep you stable. Because God will also honor that now start your vision. Go hard with the vision. When you come home, you. You got to go hard. And here is when. And I was telling this to Pastor earlier. This is where I believe a lot of people get kind of confused that, okay, wait, I have this dream. I have this vision. I need to go get funding. I need to go get investors. I want you to move slowly. I'm not saying get investors. I'm not even saying go get a business loan. Here's what I am saying. Start small and test what God has given you. Make sure that it is working. Make sure that you feel passionate about it. Make sure that you see results. So when you go to the investor, when you go to the bank, you are not going there with a dream and with a hope. You're going there with a dream, with a vision, and with proof that what you are presenting is actually working. And then what you do is when you get the investment, when you make income, you invest it right back into that dream. Now. Now. Now you're ready to move. Now you're ready to move. This one right here. If you're here, you already have stability. Now it's time to execute. Now, I like this one. Is anybody here on C. Anybody on C right now? You ready to move? Like, I'm. I'm ready. Okay. Ms. Jackie, Ms. Monica. Okay. Okay. All right. Now here we go. Here's how you know you're ready to move. You've got at least three to six months saved for emergencies. Because when you're going to go big, I'm going to tell you the truth. And PDA can tell you when you go big and you do what God is telling you to do, just know the enemy is coming. Because he doesn't go after people he doesn't feel threatened by. So if you're going to step out on faith and be obedient to God, just know while God is going to cover you, while God is going to protect you, the enemy's going to throw something at you. And what I love when the enemy try to come after me. Like, bro, bro, I already knew you was coming. I was prepared. And so you got to make sure that you have income. Because he knows if I can go after their income, it's going to force them to make some bad decisions. Watch this. Not only will he go after your income, he's going to try to confuse you. Confusion comes when you do not have a plan. So if you're really ready, you got to have a strategy and a strategic plan, not just a passion. I'm not just passionate about teaching financial freedom. I have a strategy, I have a plan, I have a system. I even know who God has called me to. So when the enemy tries to get in my head and says, I don't think you're called for this, I don't think you built for this. Nah, bro, I already know what time it is. This is who I'm called to. This is where I'm going. It's already worked. I already got money in the bank. But here's what I, here's what I love that a lot of you all said, watch this. This is, this is so good. And this, the Lord just hit me in my spirit with this one. A lot of you all I'll say about, I'll say about what two thirds of you all said. Your main thing is impact. Impact is serving others. I love that. You know why? Because here's my problem with chasing income. You can chase income and not have an impact, but you cannot have an impact and not have income. There is a way that if you're doing this with God, you're going to have an impact and he's going to bless you in return with income. I always say my reward for helping people get financial freedom is green. God is going to bless me. Now, it may not be the millions of dollars that we may see others, but I've never missed a tithe since. I've been focused on impact. But when I was focused on chasing income, do you know how many people are hurt? Do you know how many relationships I hurt? But when I said, God, I'm going to focus on impact, but I also kept it a buck with God, I said, but now, God, don't let me go broke, man. Do not let me not be able to provide and be there for my family. So when you can focus on impact, watch this. Impact is going to produce income producing activities and products and visions in your life. Faith to me is not reckless. Faith to me is strategic. It's just very strategic. So God, I'm going to trust you. You called me to this particular business. You called me to impact this particular. You called me to the entertainment space. You called me to serve people. God, I'm going to do that. But now God need you to bless me. Now I need you to bless me. All right, section five. Section five. Let's keep going because I, I, I, I am a preacher. How many sections we got? We got seven, eight. Good God. We got nine. Okay, okay. I'm gonna get through these real quick, all right? Okay, okay, okay, okay. Where we at. Where we at? Where we at? Let me go to section five. Let me go to section five. More section five. All right. Build a simple. A simple money plan. All right, let's go to the basics. All right, let's go to the basics. What must stay covered every single month? I told you this earlier. Rent, food, utilities, transportation, and anything. If you have children or you are a legal guardian. So if they're in college, that needs to be in there. If you have child care, if you have after school programs, that has to be. Those are the five main things you need to cover. Those are the five main things that. That is. It's the first thing in my budget. And then here's. Here's a plus one. And it's just because I am a Christian, all right? And I just believe in this, all right? A pastor can come back and teach more on this down the road. She ain't telling me to say this, but it's just how I believe. I always say there's a bonus. That's my tithe. That's first. It has to be in my budget. And I believe the reason why God has blessed my business is because God knew that Anthony was going to give 10% no matter what. Even when I had low months and I have low months in my business, I still give 10% because I refuse to miss out on blessing the man who can multiply my income. And then they give it to a bank. Did y' all know that Wells Fargo was two people's last name? So I'm going to give Wells and the Fargo family more than I'm going to give to my family. Wait, wait, wait. I'm going to give Wells family and the Fargo family more than I'm going to give to God. Wells Fargo is taking interest from me. If I give. If I'm disobedient, give back to God, he going to give it back to me. All right, step two, step two, step two, step two. All right, now we got to create margin. Where can I adjust? How can I reduce or reallocate? I'm going to tell you something. These are very, very practical. Why do you have Hulu, Netflix, Amazon Prime, Disney plus, Apple Music, Spotify Music, Tidal, all these. Like, why do we have all these subscriptions for a season? You may need to cut down on one or two of these. To one or two of these. I know. Tyler Perry's Black beauty just came back. Okay, get Netflix, Watch it, then unsubscribe. Get strategic, Ask when your home girl, can you borrow her on Netflix? All Right. Reduce eating out. Come on, y'. All, we gotta eat at home. Pause. Unnecessary spending. Here's your goal. By the end of next week. No, I'm gonna do this like, I'm gonna do it like this. By the end of this month, I need all of you all to do what we said with the budget. List all of your income list all of your expenses and expenses. I want you to find 100 to $300 in your account. It's gonna be difficult. It's going to be real difficult because you know why? You got to tell yourself, I, I'm gonna, I'm going to go without this. And that is difficult. When you got to tell yourself, I can't go to Starbucks this morning. You got to tell yourself, I, I can't. I can't go get this.

[A]

Stop jamming on Starbucks like that.

[B]

All right?

[A]

No go.

[B]

I gotta mess with it, y'. All. I gotta mess with it. I gotta mess with it every time. But I, I'm. Now, pause. Now, I am a coffee person now because of pda. She introduced me to this amazing drink. So much. See, I'm a good steward, though. I went and bought me a coffee. He did. To make the coffee at the house. Come on now.

[A]

At his house.

[B]

Yes.

[A]

And I, and I still don't. I still don't. But that's okay. But that's okay. But I cook my dinner. I only order out less than five times a month and I used to work out all the time, but I cook every night so I can have my Starbucks every morning.

[B]

I'll give you that one.

[A]

All right, back to the people. Listen, y', all, those trade offs matter.

[B]

I don't cook every night. I just, I eat the same thing every day. You know, I eat fish every single day.

[A]

I.

[B]

But it's all good. All right, let's get. To get this to this one. Step three. All right, what's this one? Increase your income. Now, this is a good one. All right, this, this, this right here is a good one. There are three ways you all can increase your income temporarily, right? Remember, income is a tool. Income is not your landing station. Income is a tool you use as, as a tool to get you to where you want to go. So there are three situations that is really, really booming right now if you really study the market. Skill based content creation, I T and tech. A study came out recently and said that AI is going to generate, unfortunately, watch this. Close to a million new jobs within the next three years. But it's going to take away about 98 and change the dynamic of current jobs. Now watch this. I just hired a young kid, 22 years old. He took a boot camp for 500 to learn AI automations. He's 22, he spent 500 to learn an AI automations boot camp. His dream is to be. I forgot what his dream is. I forgot. I don't want to lie about that. But yeah, he has a dream somewhere in the sports, in sports space. I think he wants to be a sports doctor.

[A]

Right?

[B]

But he came to me two years ago and I said, bro, I think you should look into this because it's not what you want to do, but it can fund you doing it. Because AI and tech only requires technically about four hours of extra work. So for $590 days in a boot camp, he makes $10,000 a month. He works four to five hours a day maybe. And the other days that he's not working, he focuses on what he really wants to do. So he's using this income to fund his ultimate dream. So what I'm saying is, remember this, what I said is earlier, everything is about a strategy. What can I use a part of my strategy to get me to where I want to go? So if you're not learning AI, you could jump on YouTube, you could jump on, there's you got course careers that's offering boot camps in this. You have careerist that's offering boot camps in this. There are so many different boot camps out there that are anywhere between $200 up to about 2, $3,000 that you could jump on on a six week boot camp. Learn AI automations, learn something that can generate you income. Watch this one. One of the things that I recommend everybody do what I do. Why are you working your job? Why are you pursuing your, your career? How can you turn your tech, how can you turn your knowledge, your wisdom and into a side business via a course, via YouTube, via something that teaches other people? Because you have a 10% edge. My, my mentor, one of my good friends, Amy Porterfield says like if you have knowledge, that means you have a 10% edge over someone else. Turn it into a course, turn it into something you can provide value or maybe not a course, maybe you consult. How do we use what we're already doing on a regular to do it? Here's the truth. You don't need 10 streams of income, you need one more stream done well. And that's all that I focus on. How can I get another stream? And I built that stream strategically. I sit down with mentors, I sit down with Someone else, hey, listen, this is my ultimate goal. This is where I want to go. How can I do this? Can you help me out? And do not work. And don't let me say this, too. Do not be embarrassed to do something that may not be your ultimate vision, because you got to do something to get you to your ultimate vision. I remember when I left, I told God, I do not want to go back to youth pastoring. I want to help people. But if I had to go back to youth pastoring to get to what I'm doing today, please believe I would have been right there. I would have been that pastor, cutting up pizza, pepperoni pizza, passing it around to get to where God wants me to go to. Do not let your pride hinder you from getting to your purpose.

[A]

Anthony. I can remember in my early 20s, we were working on opening a business and we needed extra money, and I took a job waiting tables and was married already, took a job waiting tables, and somebody from our church came in and saw me. I was working at Cheesecake Factory, and they said, aren't you, like, embarrassed or worried somebody's going to see you here?

[B]

I said, for what?

[A]

For what? For what? God, I pray I never have to do it, but if something went wrong, I will wait some tables right now. I don't.

[B]

I don't.

[A]

You got to be willing to do whatever. It's just a part of the story. It's just a part of the story. I'm going to ask you, can you jump to us to number six if we can wrap it? Because I think, like, seven and eight are self explanatory, but I'd love for you to give them some advice on number six before we have to wrap.

[B]

Okay, sounds good. Let me go to some number six. Number six. While we're getting there, y'. All. Look at her. She did that sacrifice, and then years later, she was on Oprah. I ain't been on Oprah. Lord Jesus, look at.

[A]

I was working on my master's degree at that time, too. We was doing all the things. Listen, anyway, waiting for more.

[B]

Let's go. Let's go. Start without waiting for more. What is one version of my big move? I can start with little or no money. What is the smallest possible first step? All right, that's a. That's a real good one, y'.

[A]

All.

[B]

And. And I think this is a good place for us to end. Put it in the chat. How many of you all are nervous with this big move like, put in the chat? If you're nervous, say yes I'm nervous. No, I'm not nervous. Yes. No. Yes, yes, yes, yes, yes. Look, that's. That's good, y'. All. Listen, man, I think being nervous is okay, but I think a lot of us are not really nervous because we're scared to do it. I just think we're just nervous to disappoint God, right? And I think sometimes we get that confused, like, I don't know if I could do it. No, no, no. You could definitely do it. All right, here's what I really want you to do right now and focus on. Here's the practical side. You all have an amazing preacher and pastor. She'll give you the spiritual side. I want to give you the practical side. Some of you are waiting for more money to start, and that's exactly why you haven't started. What can you do this week with what you already have and you got? There's things that I started with when I stepped out on my own, and I didn't have a whole lot of money to start my own business. Right. The very first thing is I was fearfully and wonderfully made. God already put inside of me what I needed. I had to step back and be content and confident in the skills God gave me. So start with your skills, not with your money. I want you to literally go back and write down. You got to do this. Listen to me clearly. It's going to make sense. I want you to go back and write down all the skills that you

[A]

have,

[B]

not all the skills they said you have, because they don't know you. They think they know you, but they don't know you. I want you to write down all the skills that God gave you. Then after that, start with people, not perfection. Get around the people that you already know and start serving the people. Then watch this. Start with service. So I have this skill. I'm going to connect with the people, and I'm going to serve those people. What's going to happen? Money's going to come. Perfection will end up being there. But we may never hit perfection. Let's be honest. And then it will scale. We have to stop waiting for man's resources and start with what's already in our hands.

[A]

That's it.

[B]

And the Bible clearly says what's in your hands. And for me, I'll tell you this, and I'll be done, because y' all got one of my favorite communicators coming up next. I mean, Tim Ross and Anita Phillips. Dr. Anita, it's going to be crazy on here tonight. I don't think I'm going to be able to sleep after that one. These two right here is going to be crazy. But I would definitely say when I, when I stepped out on my own, God told me, don't worry about the money. I already given you this. I already have it. I put an assignment on the inside of you. I want my body of Christ. I want my sons and my daughters to have financial freedom. I gave you that skill. I gave you that knowledge. Go serve the people. And when I did that, man, I started noticing, whoa, whoa, whoa. The next thing I know, because I was serving people, people started recommending me. And the next thing I know, I started getting phone calls from people who saw me on my last platform. Now watch this. 5. I would say five months later, I was making what I was making in a year, in a month. And so you got to start there. I'm so sorry we didn't get through all these things.

[A]

I, I, man, I'm very happy. I love this worksheet. It is so practical. I hope everybody will do what you said. Print it out, keep writing it down. Do every single thing on here. What you gave us was absolutely priceless. And I am, I'm feeling kind of proud, like my friends are kind of dope. I'm proud. Look at there. Thank you so much for coming and serving these people that I love so much. Tell them where they can find you, because I know they're going to be looking for you when this is over.

[B]

Oh, man. If you all just want some free information, a lot of free information, just go to Anthony O' Neill dot com. How many people are here tonight? PDF?

[A]

327 right now. 327.

[B]

Okay. I'm gonna do this. Your pastor don't even know this, but your pastor has helped me tremendously. I don't know how pda. We could do this. I'll give it Celeste. But I have a brand new book coming out called Stop Living Paycheck to Paycheck. Everyone on here tonight will get a free copy sent to them. I just need an address to send it to through them. So Mr. Les, I can have Lakeisha get with you, but we just need names and addresses to send it directly to you all. But that's my gift to y' all because y' all has been an extremely gift to me.

[A]

Wow.

[B]

All of them. I just need the names. So we got 327. All right.

[A]

So I figure out how to get it in here. Get them in.

[B]

I don't know how you're gonna do it now, but. Yeah, so let's look at that and be like, what did you just do? I know.

[A]

I'm like, I'm about to make a spreadsheet and a link, and they can put their email in there. We about to figure out something. We're gonna figure it out.

[B]

I love you all. We'll figure it out.

[A]

Thank you so much, friend. I appreciate it. Now, good night.