Money Expert: Do THIS Every Time You Get Paid in 2026 (Most Ignore Step #3)
The Table with Anthony ONeal
The Neatness Network
4.8 • 2.1K Ratings
🗓️ 8 February 2026
⏱️ 55 minutes
🧾️ Download transcript
Summary
Stop Guessing W/ Your Money FREE Webinar: https://www.anthonyoneal.com/stopguessing
In today’s episode, I’m breaking down my updated, step-by-step paycheck routine for 2026. Whether you’re starting over, drowning in debt, or just ready to reset, this is the exact system I’d use to build real financial freedom—no hype, just structure. We’re talking about automating your bills, building margin, setting up your emergency fund, investing for your future, and paying off debt for good. I want you to enjoy your money, not just work for it.
I’ll walk you through every step, from covering your needs to building multiple streams of income, and why generosity is the secret weapon for wealth. Plus, I’ll show you how to position yourself for the biggest wealth transfer in history—so you’re not left behind.
Mentioned Websites & Resources:
High-Yield Savings Accounts: https://anthonyoneal.com/savings
AI Automation Bootcamp: https://anthonyoneal.com/ai-automations
Free Debt Snowball eBook & Resources: https://anthonyoneal.com (navigate to “Free Resources”)
Debt Relief Assessment: https://anthonyoneal.com/debtrelief
Open a Brokerage/Investment Account: https://anthonyoneal.com/invest
Therapy Resource: https://anthonyoneal.com/therapy
Union Church: https://theunionchurch.com
Timestamps:
0:00 – Why 2026 is different for your money
2:00 – The paycheck routine that works for any income
4:00 – Automate your minimum payments (and why it matters)
6:00 – Cover your needs: budgeting for real life
8:45 – Building margin & your emergency fund
12:00 – How to invest for your future (22–25% rule)
20:30 – The debt snowball method explained
28:00 – Building multiple streams of income
33:00 – Why generosity is the best wealth secret
40:00 – Permission to enjoy your money—without guilt
Drop a comment below:
Which step are you working on first? Are you automating your bills, building your emergency fund, or starting to invest? Let’s get free together, family.
Links Recap (as mentioned in the show):
https://anthonyoneal.com/savings
https://anthonyoneal.com/ai-automations
https://anthonyoneal.com/debtrelief
https://anthonyoneal.com/invest
https://anthonyoneal.com/therapy
https://theunionchurch.com
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.
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Transcript
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| 0:00.0 | 2026 is not playing with anybody's money. |
| 0:05.3 | As of today, at the time of me recording today's show, |
| 0:09.0 | groceries are up 30% since 2023. |
| 0:13.2 | We're starting to see high-eield savings accounts. |
| 0:15.7 | These rates are honestly dropping. |
| 0:18.3 | And if you're still using the same old paycheck routine from a few years ago, |
| 0:24.0 | you're probably feeling stuck right now. You're probably probably feeling stressed or |
| 0:30.3 | you're probably feeling like you just left behind. Today's show is not going to be about shame. |
| 0:40.3 | Today's show is going to be about structure. |
| 0:43.2 | Today I'm going to be breaking down my updated step-by-step paycheck routine that I want |
| 0:47.6 | you to do throughout the year of 2026. This is the exact order I would use if I was starting |
| 0:53.8 | over, if I had a job, if I was in a new city, or just ready to actually just reset. I'm not going to be giving y'all a whole bunch of hype today. I'm not going to be screaming and going crazy today. I'm going to give you a plan that works no matter where you're starting from. I don't care if you're starting with $30,000 of income, drowning in debt. I don't care if you're starting with 30,000 |
| 1:10.9 | of income drowning in debt. I don't care if you're making $150,000 and you're one paycheck |
| 1:16.3 | away from living paycheck to paycheck. So what I need you to do is dial in. What I need you to do |
| 1:23.1 | is grab a notebook, grab a pen. And you know what? If you're watching this live, |
| 1:28.6 | drop the word ready inside of the live chat or just drop the word ready inside the comment |
| 1:33.0 | section because I really want us this year to really focus on building financial freedom. |
| 1:38.7 | I'm getting out of this whole thing of, man, I want to make a million dollars. No, no, no, |
| 1:42.9 | I want to make y'all free. |
| 1:49.9 | I want to teach you a system that will give you freedom that will set you up to where you can just have a month without no stress. You can have a week without worrying about how you're going to |
| 1:55.7 | pay for something. When you get a paycheck, you can honestly enjoy the paycheck. |
| 2:03.9 | I'm tired of sitting down on my brothers and sisters who look like me and they're crying |
... |
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