WARNING: 95% Will Ignore This 90-Day Money Plan (Don’t Be One of Them)
The Table with Anthony ONeal
The Neatness Network
4.8 • 2.1K Ratings
🗓️ 19 March 2026
⏱️ 49 minutes
🧾️ Download transcript
Summary
Family, 78% of Americans are living paycheck to paycheck, and 69% have less than $1,000 in savings. But if you follow this 90-day plan, you’ll be ahead of 95% of people financially—no hype, just real steps that work.
Here’s what you’ll learn in this episode:
- How to track every dollar and finally know where your money is going
- Why most people never build wealth (and how to break the cycle)
- The power of a real budget—and why it’s not a prison, it’s your plan to win
- How to build your emergency fund (and why $1,000 isn’t enough anymore)
- The debt snowball method to get consumer debt-free, for good
- How to start investing—even if you only have $5
- Why building wealth is about habits, not just income
- How to increase your income with side hustles and smart moves
- The importance of daily accountability and community
Mentioned In Todays Show:
- In The Black App (Money Coach & Community): https://www.anthonyoneal.com/app
- High-Yield Savings Accounts: https://www.anthonyoneal.com/savings
- Compare Investment Platforms: https://www.anthonyoneal.com/invest
Question for you:
Which step are you starting with? Drop it in the comments and let’s build together.
Ready to break free? Download the app, follow the plan, and let’s get to work. Freedom is possible—one decision at a time.
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 | Hey, call my wife. |
| 0:03.1 | Calling UK Wildlife. |
| 0:04.7 | No, call my wife. |
| 0:07.1 | Here's a cheese knife, Lester. |
| 0:09.2 | Voice assistants not working for you. |
| 0:11.3 | With Black Rock Investment Trust's hands-on investing, long-term approach to growth and regular dividends, you have a lot working for you. |
| 0:18.1 | I live in Kent. |
| 0:19.6 | Get to know, BlackRock Investment Trusts at blackrock.com. You have a lot working for you. I live in Kent. Get to know BlackRock Investment Trusts at |
| 0:22.0 | blackrock.com. You have a lot working for you. Capital at risk, marketing material. BlackRock |
| 0:26.5 | Investment Management UK Limited, authorized and regulated by the Financial Conduct Authority. |
| 0:30.2 | Let's get straight into it in today's episode. All right. If you do these five things for the next |
| 0:35.8 | 90 days, you'll be ahead of 95% of Americans financially. |
| 0:41.6 | I'm not talking about the getting rich quick overnight. |
| 0:46.8 | No, no, no, no. |
| 0:47.7 | This is about building a foundation that most people will never have. |
| 0:52.2 | And I genuinely do mean this. |
| 0:54.7 | And I just pray that you all are really understanding what I'm saying. |
| 1:01.1 | Because what that's launching this new community of In the Black, |
| 1:04.3 | we have the app. |
| 1:05.4 | We have some amazing things that we're going to be announcing inside the app. |
| 1:08.6 | As a matter of fact, if you haven't gotten the app, |
| 1:10.2 | I would highly encourage you to go to |
... |
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