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Transcript14 lines

[00:00]
Anthony O'Neal
I cashed out my entire 401k thinking someone stole my identity.
[00:04]
YouBeauty Advertiser
A fake email cost me my dream home. After I sent my personal information to
[00:08]
Culturel Kids Advertiser
a scammer, my AI agent wired thousands to an account I'd never seen.
[00:12]
Gen Digital Advertiser
When billions of people feel unsafe, that's no longer a security problem. It's an economic one. At Gen, we're building the trust layer for a more fearless planet with products and technologies from our global brands, Norton, Lifelock, Avast and Money Lion. See it in action@genndigital.com when you're a maintenance engineer in a beverage manufacturing plant, you keep production lines moving and quality on track because there's no room for slowdowns. With Grainger's vast selection of high quality motors, sensors, belts and hard to find parts, you can get what you need fast and all in one place. So nothing gets in the way of getting the job done. Call 1-800-GRAINGER Click grainger.com or just stop by Granger for the ones who get it done.
[01:00]
Anthony O'Neal
People are right when it comes to the math, but I want to say this clearly right up front because I get emails about this every single. I would say every single day, to be honest with you. And I'm still going to tell you to ignore the people who are only focusing on the math. And here's why. Because being right on paper and being right in your actual life are two completely different things. And today. And today I've got the research to prove it. Listen, before we get into it, I want to say, man, welcome back to the table daily. It's your boy, Anthony o'. Neal. Well, within the next ten minutes, I'm going to give you one truth, one move so we can keep it going and get you from being living paycheck to paycheck to financially free. Let's get straight into it. I want to tell you about a couple I think about often, right? We'll call them Marcus and Renee. Five debts between them both, right? A $400 medical bill, a $2,800 credit card, a $7,000 car loan, a $13,000 student loan, and a mortgage they're not even touching yet when it comes to paying it off. Marcus is an amazing dude. And he's an engineer. An engineer. He's a numbers guy. He ran the interest rates on every single one of the debts that he and Renee have together. He told me, man, we attack the credit cards first. 22% interest, Anthony. That's the smart move. That's what saves us the most money, y'. All. I'M be honest with you. Mathematically, he's right. Dollar for dollar, that is the optimal order, right? But three months into attacking that credit card, something happened that Marcus didn't account for. Nothing felt different. The balance moved a little. The excitement that they started was going. And Renee told me later that she felt like we were bailing out a boat with a teaspoon. Meaning we're pulling something and it's barely going anywhere, if I'm being honest with you. They quit not because the math was wrong, but because the math never asked how it. How it would feel to keep going for two years before the first debt disappeared. So when they brought this up to me, you all know me, if you follow me, I told them to do something. Instead. Forget the interest rates for a second. Line up every debt from smallest balance to largest. And you know what? For the next 90 days, I want you to attack the $400 medical bill first. With everything that they had, y', all, I said, give me 90 days. It was going in three weeks, in less than 30 days. And Marcus said something to me I'll never forget. He said, ayo, hey, yo. I know this isn't the smart way, but I haven't felt this hopeful about money in years. I said, well, how is that not smart? Sounds smart to me. Because here's a number I want you to actually sit with because it settles his argument for good. You see, in 2012, two marketing professors published a study in the Journal of Marketing Research. They pulled real data from more than 6,000 households working through actual consumer debt payoff plans, not hypothetical spreadsheets. Real people with real balances. And they found. Watch this. This is what gives me. This is what they found. That it's going to end. All the debates are going to end all of the arguments moving forward. Send this to all of your deep social media influencers. That the household that attacked their smallest balance first were significantly more likely to become completely debt free than the households that attack the highest interest rate first. Not slightly more. Not not. Not significantly more. Like crazy more. That's bad grammar. But, like, studies are showing that the people doing the wrong math were finishing the race, that the people doing the right math were quitting somewhere in the middle. What's more important, doing it technically right or finishing? Now I gotta ask the question. Why does this happen? You see, because debt payoff isn't actually a math problem. It's a behavior problem wearing a math costume. And behavior runs on. On momentum, not logic. I'm gonna say it one more time. Behavior runs on momentum, not logic. Think about it like this. Think about it like this. If it takes you 18 months before you eliminate your very first debt, your brain starts asking a dangerous question around month six. Is this even going to work? But if you
[06:48]
T. Rowe Price Advertiser
when others hear noise, tieroprice interprets market signals to find investment opportunities. That's the power of active ETFs from T Rowe Price. Their portfolio managers approach data from multiple perspectives, analyzing trends and conducting deep research to give you their curiosity backed active management expertise. Learn more about their active ETFs@troprice.com Explore ETFs Exchange Traded Funds ETFs are bought and sold at market prices, not nav. Investors generally incur the cost of the spread between the prices at which shares are bought and sold. Buying and selling shares may result in brokerage commissions which will reduce returns. T. Rowe Price Investment Services, Inc.
[07:29]
Anthony O'Neal
I cashed out my entire 401k thinking someone stole my identity.
[07:34]
YouBeauty Advertiser
A fake email cost me my dream home. After I sent my personal information to
[07:37]
Culturel Kids Advertiser
a scammer, my AI agent wired thousands to an account I'd never seen.
[07:42]
Gen Digital Advertiser
When billions of people feel unsafe, that's no longer a security problem, it's an economic one. At Gen1, we're building the trust layer for a more fearless planet with products and technologies from our global brands Norton, Lifelock, Avast and Money Lion. See it in action@gendigital.com she's got a breakaway.
[08:01]
Culturel Kids Advertiser
She's all alone. She's going. She's going. Oh no. Wrong goal, kiddo. It's chaos out there. Their stomachs don't have to be. Introducing culturel kids probiotics plus electrolytes. Sugar free, more hydrating than water alone. From the number one pediatrician Recommended brand Youth soccer is never boring, but your kid's stomach should be Culturel Probiotics the science of a boring gut. See website for details.
[08:29]
Anthony O'Neal
Emanate a debt within three weeks, then another one within the next six weeks, then another one within six months. Your brain starts asking a completely different question. What else can we knock out? What else can we do? And that shift right there is the entire game. I was 20 years old with exactly $6.32 to my name. I remember specifically cutting up a cheeseburger in half because it wasn't just dinner, it was dinner for two nights. I thought being broke and living paycheck to paycheck was normal. But looking back at it, I wasn't just broke, I I didn't have a system in place. Everything changed when I learned how Money actually worked. That's the roadmap that I specifically put inside of my brand new book, Stop living paycheck to Paycheck. If you're tired of surviving and you're ready to start thriving and building, go to anthonyonil.combook and order your copy today. Again, that's anthonyonil.combook, and let's go from surviving to to thriving and setting your kids up to really have wealth. But here's the second part I want you to remember. See, the debt avalanche wins on paper. The snowball wins in real homes because momentum is the fuel that finishes the plan. So I will never argue with a financial person that says due to debt avalanche way because it will save you money. If I got to pay a little bit more in interest so I can complete the the goal, I'm going to do it. So let me ask you a question. I want you to answer this honestly. Have you started a smart debt payoff plan before and quit somewhere in the middle? Do you know exactly how many separate debts and different kind of accounts you have right now? Without looking anything up? Have you ever gone months attacking one big balance without feeling like anything actually changed? If any. Watch this. If any of that sounds familiar, this episode is for you. Here's your move today. And I want you to grab a pen. Not your phone notes, all right, but actual pen. I want you to write out every single debt you have. Not your mortgage, okay? Everything else, list them from smallest balance to largest balance. Doesn't matter the interest rate. I don't even care about the interest rate right now, all right? Doesn't matter what the math nerves say. Doesn't matter what freaking social media says. It's the smallest amount to the largest amount. Now I want you to circle the smallest one on that list. And that circle right there is the beginning of the end of this fight. That list you just made is the exact starting point of phase two in my brand new book, Stop Living paycheck to paycheck. This is what I call clear the ground. I'll walk you through the entire debt snowball. Minimum payments on everything else, right? Everything extra thrown at that smallest balance. And then rolling that freed up money towards the very first one. And then once you pay that off, it goes to the next one until you are completely debt free. Completely debt free. I even show you inside of the book on how to get some extra income instantly to put towards the first one. Y' all, listen. Marcus and Renee's story sounded a little too familiar. I need you to hear this you don't need a smarter spreadsheet. You need a plan that's built for how real people actually stay motivated. Backed I would say by real research and real results. That's exactly what I built inside. Stop living paycheck to paycheck. I'll walk you through the full five phase escape plan, starting with the debt snowball method that thousands of families have used to go from overwhelmed to completely debt free one small win at a time and they are completely debt free on average 18 to 24 to 26 months of doing the program that is inside of my book and all you gotta do is go to anthonyonil.com book right now and pre order your copy today. Whatever list you just wrote out, this book turns it into a plan you actually finish. This is not fluff. This is not a money book. This is a freedom book. And I give you this strategy to go from where you are now to financial freedom tomorrow. All you gotta do is go to anthonyornill.com book and get your copy today. Remember family, I'm saying this for the rest of the year. Freedom is better than being rich. I'm Anthony O'. Neal. Go to anthonyonil.com book order your copy today and I'll see you on the next episode. Make sure to share this with somebody. Peace out. Foreign.
[14:19]
T. Rowe Price Advertiser
Tiero Price interprets market signals to find investment opportunities. That's the power of active ETFs from T. Rowe Price. Their portfolio managers approach data from multiple perspectives, analyzing trends and conducting deep research to give you their curiosity backed active management expertise. Learn more about their active ETFs@troprice.com Explore ETFs Exchange Traded Funds ETFs are bought and sold at market prices, not nav. Investors generally incur the cost of the spread between the prices at which shares are bought and sold. Buying and selling shares may result in brokerage commissions which will reduce returns. Tieroprice Investment Services Inc. What if one
[14:59]
YouBeauty Advertiser
bottle could replace the benefits of eight steps in your skincare routine? Get glass like skin and your time back with the Resurfacing Compound by Y Beauty. This transformative serum works to visibly brighten, smooth and even your skin, while helping minimize the look of pores, dark spots and fine lines all in one multitasking formula. It's breakthrough science and streamlined simplicity in a single step for science proven results without the clutter or confusion. Shop the resurfacing compound by youbeauty now@youbeauty.com that's the letter U B E A U T Y dot com. Try youbeauty today.

Summary5 min read

Podcast Summary: The Table with Anthony ONeal

Episode: I have $23,000 Total In Debt — Which One Should I Pay Off First?
Date: August 11, 2026
Host: Anthony O’Neal (The Neatness Network)

Episode Overview

This episode of The Table with Anthony ONeal dives deep into a crucial question: when facing multiple debts totalling $23,000, which one should you pay off first? Anthony challenges the purely mathematical approach to debt repayment, highlighting the importance of motivation, behavior, and real-life momentum over theoretical savings. Drawing from both personal stories and academic research, he walks listeners through the strategic (and emotional) advantages of the debt snowball method—paying off the smallest balance first—to achieve lasting financial freedom.

Key Discussion Points & Insights

1. The Math vs. The Motivation Debate

[01:00 – 02:32]

Anthony sets the stage by addressing common advice to pay off high-interest debts first (the "debt avalanche" method), acknowledging it is correct "on paper."
He emphasizes the disconnect between what's right mathematically and what works in real life, stating:

"Being right on paper and being right in your actual life are two completely different things."
— Anthony O’Neal [01:03]

2. A Real Couple’s Story — Marcus and Renee

[01:38 – 04:45]

Anthony illustrates his point through a couple he calls Marcus and Renee, who have five debts (medical bill, credit card, car loan, student loan, and a mortgage).
- Marcus, an engineer, wanted to tackle the credit card first because of its 22% interest—mathematically sensible.
- After three months, their motivation faded; the balances seemed unmoving and discouraging.
- Renee’s perspective summed up the feeling:
  
  "We were bailing out a boat with a teaspoon."
  — Renee (via Anthony) [03:32]
- They almost gave up—not because the plan was mathematically wrong, but because it didn’t feel effective.
- Anthony advised them to ignore interest rates for a moment, listing debts from smallest to largest and attack the smallest debt first—the $400 medical bill.
- The result: After paying off the medical bill in less than a month, Marcus said:
  
  "I know this isn’t the smart way, but I haven’t felt this hopeful about money in years."
  — Marcus (via Anthony) [04:16]

3. The Research that Backs It Up

[04:47 – 06:44]

Anthony references a 2012 study from the Journal of Marketing Research:
- Over 6,000 real households tracked while repaying consumer debt.
- Those who paid off the smallest balance first (the debt snowball method) were “significantly more likely to become completely debt-free” than those starting with the highest interest rate.
"Studies are showing that the people doing the wrong math were finishing the race, that the people doing the right math were quitting somewhere in the middle.”
— Anthony O’Neal [05:51]
His insight: Debt payoff isn’t a math problem. It’s a behavior problem wearing a math costume.
- Motivation and momentum—"behavior runs on momentum, not logic" [06:13]—is more important than perfect mathematical optimization.

4. Momentum Changes Everything

[08:30 – 10:10]

Early wins builds momentum: paying off a small debt first triggers motivation to keep going, leading to more victories and sustained progress.

"Your brain starts asking a completely different question. What else can we knock out? What else can we do? And that shift right there is the entire game."
— Anthony O’Neal [08:35]
Anthony’s personal story: recalling a time when he had only $6.32 to his name, eating half a cheeseburger for two nights, he emphasizes the lack of a system, not just the lack of money.

5. Practical Action Steps

[10:30 – 12:00]

Anthony’s advice:
1. Write out every single debt you have (excluding your mortgage), listing them from smallest to largest.
2. Circle the smallest one — that’s where you start.
3. Make minimum payments on all debts except the smallest; pay all extra you can on the smallest.
4. Once it’s paid off, roll that payment into the next smallest debt, and continue ("debt snowball").
He underscores:

"You don't need a smarter spreadsheet. You need a plan that's built for how real people actually stay motivated."
— Anthony O’Neal [11:15]
Anthony refers to his new book, "Stop Living Paycheck to Paycheck" as a complete roadmap, crediting the snowball method for families typically becoming 100% debt-free within 18-26 months.

Notable Quotes & Memorable Moments

On the math vs. reality of debt repayment:

"What’s more important, doing it technically right or finishing?"
— Anthony O'Neal [05:59]
On the mindset shift:

"Freedom is better than being rich."
— Anthony O’Neal [13:58]
Advice to listeners:

"Answer this honestly. Have you started a smart debt payoff plan before and quit somewhere in the middle? ... If any of that sounds familiar, this episode is for you."
— Anthony O’Neal [10:15]

Timestamps for Key Segments

01:00 — Challenging the “math-only” approach to debt payoff
01:38 — Marcus and Renee’s story: why math didn’t work for them
04:47 — Research on real people’s debt choices (Journal of Marketing Research)
08:29 — How momentum and quick wins change your payoff journey
10:30 — Step-by-step instructions for starting the debt snowball
12:05 — Transforming a debt list into a freedom plan

Conclusion

Anthony O’Neal’s message is clear and practical: the greatest debt repayment strategy is not the one that sounds best on a spreadsheet, but the one you can stick with until you’re free. By focusing on paying off the smallest balance first, you build confidence, sustain your motivation, and are far more likely to win the fight against debt—backed by both real-life stories and research. His advice is actionable, empathetic, and rooted in understanding real human behavior.

Memorable Closing Thought:

"Freedom is better than being rich." [13:58]

For step-by-step plans and more stories, Anthony invites listeners to check out his book, “Stop Living Paycheck to Paycheck.”

Loading summary

Transcript14 lines

[00:00]
Anthony O'Neal
I cashed out my entire 401k thinking someone stole my identity.
[00:04]
YouBeauty Advertiser
A fake email cost me my dream home. After I sent my personal information to
[00:08]
Culturel Kids Advertiser
a scammer, my AI agent wired thousands to an account I'd never seen.
[00:12]
Gen Digital Advertiser
When billions of people feel unsafe, that's no longer a security problem. It's an economic one. At Gen, we're building the trust layer for a more fearless planet with products and technologies from our global brands, Norton, Lifelock, Avast and Money Lion. See it in action@genndigital.com when you're a maintenance engineer in a beverage manufacturing plant, you keep production lines moving and quality on track because there's no room for slowdowns. With Grainger's vast selection of high quality motors, sensors, belts and hard to find parts, you can get what you need fast and all in one place. So nothing gets in the way of getting the job done. Call 1-800-GRAINGER Click grainger.com or just stop by Granger for the ones who get it done.
[01:00]
Anthony O'Neal
People are right when it comes to the math, but I want to say this clearly right up front because I get emails about this every single. I would say every single day, to be honest with you. And I'm still going to tell you to ignore the people who are only focusing on the math. And here's why. Because being right on paper and being right in your actual life are two completely different things. And today. And today I've got the research to prove it. Listen, before we get into it, I want to say, man, welcome back to the table daily. It's your boy, Anthony o'. Neal. Well, within the next ten minutes, I'm going to give you one truth, one move so we can keep it going and get you from being living paycheck to paycheck to financially free. Let's get straight into it. I want to tell you about a couple I think about often, right? We'll call them Marcus and Renee. Five debts between them both, right? A $400 medical bill, a $2,800 credit card, a $7,000 car loan, a $13,000 student loan, and a mortgage they're not even touching yet when it comes to paying it off. Marcus is an amazing dude. And he's an engineer. An engineer. He's a numbers guy. He ran the interest rates on every single one of the debts that he and Renee have together. He told me, man, we attack the credit cards first. 22% interest, Anthony. That's the smart move. That's what saves us the most money, y'. All. I'M be honest with you. Mathematically, he's right. Dollar for dollar, that is the optimal order, right? But three months into attacking that credit card, something happened that Marcus didn't account for. Nothing felt different. The balance moved a little. The excitement that they started was going. And Renee told me later that she felt like we were bailing out a boat with a teaspoon. Meaning we're pulling something and it's barely going anywhere, if I'm being honest with you. They quit not because the math was wrong, but because the math never asked how it. How it would feel to keep going for two years before the first debt disappeared. So when they brought this up to me, you all know me, if you follow me, I told them to do something. Instead. Forget the interest rates for a second. Line up every debt from smallest balance to largest. And you know what? For the next 90 days, I want you to attack the $400 medical bill first. With everything that they had, y', all, I said, give me 90 days. It was going in three weeks, in less than 30 days. And Marcus said something to me I'll never forget. He said, ayo, hey, yo. I know this isn't the smart way, but I haven't felt this hopeful about money in years. I said, well, how is that not smart? Sounds smart to me. Because here's a number I want you to actually sit with because it settles his argument for good. You see, in 2012, two marketing professors published a study in the Journal of Marketing Research. They pulled real data from more than 6,000 households working through actual consumer debt payoff plans, not hypothetical spreadsheets. Real people with real balances. And they found. Watch this. This is what gives me. This is what they found. That it's going to end. All the debates are going to end all of the arguments moving forward. Send this to all of your deep social media influencers. That the household that attacked their smallest balance first were significantly more likely to become completely debt free than the households that attack the highest interest rate first. Not slightly more. Not not. Not significantly more. Like crazy more. That's bad grammar. But, like, studies are showing that the people doing the wrong math were finishing the race, that the people doing the right math were quitting somewhere in the middle. What's more important, doing it technically right or finishing? Now I gotta ask the question. Why does this happen? You see, because debt payoff isn't actually a math problem. It's a behavior problem wearing a math costume. And behavior runs on. On momentum, not logic. I'm gonna say it one more time. Behavior runs on momentum, not logic. Think about it like this. Think about it like this. If it takes you 18 months before you eliminate your very first debt, your brain starts asking a dangerous question around month six. Is this even going to work? But if you
[06:48]
T. Rowe Price Advertiser
when others hear noise, tieroprice interprets market signals to find investment opportunities. That's the power of active ETFs from T Rowe Price. Their portfolio managers approach data from multiple perspectives, analyzing trends and conducting deep research to give you their curiosity backed active management expertise. Learn more about their active ETFs@troprice.com Explore ETFs Exchange Traded Funds ETFs are bought and sold at market prices, not nav. Investors generally incur the cost of the spread between the prices at which shares are bought and sold. Buying and selling shares may result in brokerage commissions which will reduce returns. T. Rowe Price Investment Services, Inc.
[07:29]
Anthony O'Neal
I cashed out my entire 401k thinking someone stole my identity.
[07:34]
YouBeauty Advertiser
A fake email cost me my dream home. After I sent my personal information to
[07:37]
Culturel Kids Advertiser
a scammer, my AI agent wired thousands to an account I'd never seen.
[07:42]
Gen Digital Advertiser
When billions of people feel unsafe, that's no longer a security problem, it's an economic one. At Gen1, we're building the trust layer for a more fearless planet with products and technologies from our global brands Norton, Lifelock, Avast and Money Lion. See it in action@gendigital.com she's got a breakaway.
[08:01]
Culturel Kids Advertiser
She's all alone. She's going. She's going. Oh no. Wrong goal, kiddo. It's chaos out there. Their stomachs don't have to be. Introducing culturel kids probiotics plus electrolytes. Sugar free, more hydrating than water alone. From the number one pediatrician Recommended brand Youth soccer is never boring, but your kid's stomach should be Culturel Probiotics the science of a boring gut. See website for details.
[08:29]
Anthony O'Neal
Emanate a debt within three weeks, then another one within the next six weeks, then another one within six months. Your brain starts asking a completely different question. What else can we knock out? What else can we do? And that shift right there is the entire game. I was 20 years old with exactly $6.32 to my name. I remember specifically cutting up a cheeseburger in half because it wasn't just dinner, it was dinner for two nights. I thought being broke and living paycheck to paycheck was normal. But looking back at it, I wasn't just broke, I I didn't have a system in place. Everything changed when I learned how Money actually worked. That's the roadmap that I specifically put inside of my brand new book, Stop living paycheck to Paycheck. If you're tired of surviving and you're ready to start thriving and building, go to anthonyonil.combook and order your copy today. Again, that's anthonyonil.combook, and let's go from surviving to to thriving and setting your kids up to really have wealth. But here's the second part I want you to remember. See, the debt avalanche wins on paper. The snowball wins in real homes because momentum is the fuel that finishes the plan. So I will never argue with a financial person that says due to debt avalanche way because it will save you money. If I got to pay a little bit more in interest so I can complete the the goal, I'm going to do it. So let me ask you a question. I want you to answer this honestly. Have you started a smart debt payoff plan before and quit somewhere in the middle? Do you know exactly how many separate debts and different kind of accounts you have right now? Without looking anything up? Have you ever gone months attacking one big balance without feeling like anything actually changed? If any. Watch this. If any of that sounds familiar, this episode is for you. Here's your move today. And I want you to grab a pen. Not your phone notes, all right, but actual pen. I want you to write out every single debt you have. Not your mortgage, okay? Everything else, list them from smallest balance to largest balance. Doesn't matter the interest rate. I don't even care about the interest rate right now, all right? Doesn't matter what the math nerves say. Doesn't matter what freaking social media says. It's the smallest amount to the largest amount. Now I want you to circle the smallest one on that list. And that circle right there is the beginning of the end of this fight. That list you just made is the exact starting point of phase two in my brand new book, Stop Living paycheck to paycheck. This is what I call clear the ground. I'll walk you through the entire debt snowball. Minimum payments on everything else, right? Everything extra thrown at that smallest balance. And then rolling that freed up money towards the very first one. And then once you pay that off, it goes to the next one until you are completely debt free. Completely debt free. I even show you inside of the book on how to get some extra income instantly to put towards the first one. Y' all, listen. Marcus and Renee's story sounded a little too familiar. I need you to hear this you don't need a smarter spreadsheet. You need a plan that's built for how real people actually stay motivated. Backed I would say by real research and real results. That's exactly what I built inside. Stop living paycheck to paycheck. I'll walk you through the full five phase escape plan, starting with the debt snowball method that thousands of families have used to go from overwhelmed to completely debt free one small win at a time and they are completely debt free on average 18 to 24 to 26 months of doing the program that is inside of my book and all you gotta do is go to anthonyonil.com book right now and pre order your copy today. Whatever list you just wrote out, this book turns it into a plan you actually finish. This is not fluff. This is not a money book. This is a freedom book. And I give you this strategy to go from where you are now to financial freedom tomorrow. All you gotta do is go to anthonyornill.com book and get your copy today. Remember family, I'm saying this for the rest of the year. Freedom is better than being rich. I'm Anthony O'. Neal. Go to anthonyonil.com book order your copy today and I'll see you on the next episode. Make sure to share this with somebody. Peace out. Foreign.
[14:19]
T. Rowe Price Advertiser
Tiero Price interprets market signals to find investment opportunities. That's the power of active ETFs from T. Rowe Price. Their portfolio managers approach data from multiple perspectives, analyzing trends and conducting deep research to give you their curiosity backed active management expertise. Learn more about their active ETFs@troprice.com Explore ETFs Exchange Traded Funds ETFs are bought and sold at market prices, not nav. Investors generally incur the cost of the spread between the prices at which shares are bought and sold. Buying and selling shares may result in brokerage commissions which will reduce returns. Tieroprice Investment Services Inc. What if one
[14:59]
YouBeauty Advertiser
bottle could replace the benefits of eight steps in your skincare routine? Get glass like skin and your time back with the Resurfacing Compound by Y Beauty. This transformative serum works to visibly brighten, smooth and even your skin, while helping minimize the look of pores, dark spots and fine lines all in one multitasking formula. It's breakthrough science and streamlined simplicity in a single step for science proven results without the clutter or confusion. Shop the resurfacing compound by youbeauty now@youbeauty.com that's the letter U B E A U T Y dot com. Try youbeauty today.