Stop Maxing Out Your 401k! This Builds Wealth 3x Faster (GUARANTEED)
The Table with Anthony ONeal
The Neatness Network
4.8 • 2.1K Ratings
🗓️ 3 November 2025
⏱️ 37 minutes
🧾️ Download transcript
Summary
Your 401k isn't enough. Here's the brutal truth: 57% of Americans won't retire comfortably. The average 401k balance at 65? Just $95,000. But you need $1.5M.
Today I'm exposing the 401k trap and showing you the EXACT vehicles millionaires use to build real wealth. This isn't theory—this is the math, the mindset, and the moves you need right now.
🔥 What You'll Learn:
• Why your 401k fees are stealing 28% of your wealth
• The alternative investment vehicles the wealthy use
• How to turn your retirement plan into a wealth-building machine
• The #1 investment secret most people skip (hint: it's not what you think)
⚠️ If you're over 40 and your 401k is your only plan, you NEED to watch this.
📊 Free Resources Mentioned:
• Open a Self-Directed Investment Account: https://www.anthonyoneal.com/moomoo
(Get up to $1,000 in FREE Nvidia stock)
• Annuities with No Fees: https://www.anthonyoneal.com/annuities
(5.6% Fixed APY, No Commission, Start with $1K)
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
Transcript
Click on a timestamp to play from that location
| 0:00.0 | How's the business going? |
| 0:01.1 | We're busier than ever, but struggling to get the staff we need. Recruiting can be such a distraction. We gave Job Centre Plus a try, and they've really helped us out. Really? Yeah. It was dead easy. We got our own employer advisor, Julie, who helped advertise our jobs, shortlisted candidates for us and letters interview at the Job Centre. We've hired some great people, and Job Centre Plus really took the hassle out of it, And there was no fee. |
| 0:22.7 | Brilliant. That's straight on my to-do list. you at the job center. We've hired some great people and Job Center Plus really took the hassle |
| 0:21.1 | out of it and there was no fee. Brilliant. That's straight on my to-do list. Find out more at |
| 0:25.9 | business.gov.com.uk slash recruit. Eligibility criteria apply. What if I told you that the 401k is not |
| 0:32.3 | your only, yet alone the safest retirement route when it comes to building wealth. In fact, it might be quietly |
| 0:40.2 | stealing, I would say, your retirement right from underneath your shoes. I want to take a look at |
| 0:46.8 | this. According to a recent study by Schwab, Charles Schwab, 57% of 401k investors are not confident that they'll be able to retire 100% |
| 0:58.3 | comfortably. Now, the question that we have to ask is why? Well, because workers expect to retire |
| 1:04.8 | at the age of 66 and believe they'll need about $1.6 million save to live comfortably in their retirement years. |
| 1:13.7 | And here's the truth. |
| 1:15.1 | Studies are showing us that this, unfortunately, is not happening. |
| 1:19.4 | You see, the average 401k balance for somebody aged 55 to 64 is just right around $272,000. |
| 1:29.0 | And for somebody, over the ages of 65, the average 401k balance is right under $300,000. |
| 1:37.1 | But the median balance is where it even gets worse. |
| 1:42.3 | Did you know that the median balance balance, the median 401 balance for somebody |
| 1:47.1 | ages 55 to about 64, is only right around $87,000. And for somebody over the age of 65, it's just |
| 1:55.9 | right around $95,000. Listen, for millions of Americans, our 401k is not going to be enough to retire and to really have |
| 2:10.9 | wealth at the years of our retirement years and age. So today I'm going to help you flip that 401k trap and turn it into, |
| 2:22.2 | I would say, a wealth building machine. Today's show, we're going to be covering the mindset, |
| 2:28.6 | and I would say the math and the moves you need to actually retire. When I say this, I mean this, 100% wealthy. So I need you to |
| 2:38.6 | stick with me to the end because I'm going to be giving you alternative vehicles that millionaires, |
... |
Please login to see the full transcript.
Disclaimer: The podcast and artwork embedded on this page are from The Neatness Network, and are the property of its owner and not affiliated with or endorsed by Tapesearch.
Generated transcripts are the property of The Neatness Network and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.
Copyright © Tapesearch 2026.