Triumph Over Adversity: Anthony O'Neal's Journey to Financial Freedom

Returning from a sabbatical, Anthony O'Neal, who has empowered minorities to build wealth, shares his journey on this podcast.
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Connect with Anthony!
Instagram - / anthonyoneal
KZbin - ‪@anthonyoneal‬
Check out his free resources here - www.anthonyoneal.com/
Despite coming from a spiritually rich family, he grew up financially poor. At 19, he faced homelessness and contemplated suicide. Realizing he needed to take responsibility and make positive choices, he rebuilt his life and relationships.
Starting as a full-time pastor at 22, he caught Dave Ramsey's attention with his "money night" for youth. This led to a job with Dave Ramsey, where he promoted debt-free living. Dave's approach contrasts with Ryan's risk-friendly approach; Anthony values financial freedom and ownership.
Discussing marriage, Anthony believes those happy while single stay happy when married. Sabbaticals are vital for goal setting and seeking inspiration from God. Solitude and reflection help us honestly evaluate ourselves and grow.
Ryan uses "think time" journaling to set ambitious goals. Relationships, romantic or professional, demand introspection. Equally yoked partnerships are crucial, asking God for wisdom and knowledge.
Actions should align with beliefs and priorities. Entrepreneurs sometimes neglect family for business, leading to divorce. Anthony values family, preparing for his future wife and children's needs. Sacrificing to meet their love languages is essential.
Anthony's mother's hard work inspired his commitment to quality family time. His mission is to empower youth, especially minorities, in building wealth. Dave Ramsey's generosity and trust in leaders left a mark on Anthony's approach.
Generosity and trust are essential traits, both in leadership and life. These insights exemplify Anthony's inspiring journey and commitment to helping others achieve financial success and personal fulfillment.

[@skyewilson9076]

Wow first time I’ve heard a man being this intentional about a future wife and family in this manner. Brave Anthony👏🔥👏

[@MartinNeduEgwuagu]

AO!!!!! Living countercultural! Preach brotha preach!! You and Dave Ramsey change my life. We paid off $150k in less then 5years and are completely debt free!!! #OwnYourFuture

[@davidharvell3191]

Anthony was my favorite on Ramsey. Glad he's doing well

[@Agape360Ministries]

The transparency on display here is absolutely amazing. I’m praying that all hearers will be able to do that as well.

[@karnag28]

Ryan, this is the first time I've watched your channel and it's because it popped up in my feed with AO. I loved him as a Ramsey personality and loved your conversation! I don't know why people have to hate. Agree to disagree but there's no need to be mean! Thank you!

[@marcy21ish]

I’m new to this podcast, and this was such a good conversation.

[@DP-xu6jw]

this was SUCH a great podcast, Thank You Ryan and Anthony!

[@RyanPineda]

You're welcome! I'm glad you enjoyed it!

[@KrazyLury]

Great interview with AO! My first time watching Ryan P. Great perspectives from both . Love it! 😎

[@mpatreece2726]

Sound advice. I appreciate how AO and Ryan broke down their money philosophy. Knowing your personal risk tolerance is key.

[@MartinNeduEgwuagu]

Wealthy Way was a phenomenal book Ryan!! Come do a Meetup in Austin, TX please!!

[@DanKohan]

I know a lot from being into real estate and making content. Anthony's focus on freedom from money worries and having no debt makes sense. He is helping young people learn about money in schools, which is great. 💪

[@compelledcreative]

Amazing talk! Keep changing the World fellas!

[@vincenthinojosa538]

Thank you, sir

[@cherekaflemister]

That is great to help the youth !

[@hollypaulin4374]

Good conversation. I love AO!!

[@wilsmith80]

I can say I’m glad I found this video. I’ve never heard of Ryan or Anthony but I’m definitely looking into other stuff from them I’m loving the vibe and conversation.

[@RyanPineda]

Glad it was helpful!

[@norberto2442]

This was a great conversation to be part of.

[@rachelmelendez9255]

I appreciate the questions he had with the Dave Ramsey organization butAnthony O'Neal has so much to bring I wish there was more questions for Anthony and what he's doing and his background he could have pulled out of.

[@theheartbreaknurse]

My buddy AO! Anthony's the one who encouraged me to get on KZbin. He's taught me so much. Loved this convo.

[@wrenchguy2937]

Love AO. One of the few dave ramsey personalities i related to alot. The whole family thing is so big for me and I completely agree with him on that

[@emanuelcook5275]

Great interview!

[@mateoort4187]

Very good information. Thank you guys

[@RyanPineda]

Our pleasure!

[@dawnwebbmusic4837]

Maximize the single season ❤

[@allimarieRISING]

I enjoyed this interview.

[@TheRudyShow5]

Dope!! Great guest!

[@kendals3833]

Men REALLY NEED to listen to their marriage advice! It is so common for men (even good men) to get too caught up with work… It takes over their mind to the point they can’t have a 10 minute conversation with their wife at the end of the day…We women marry men to BE WITH our man… We love you, give us you! When you take away your attention, that is a big reason why we nag and get bitchy at small random stuff… It’s misplaced anger from being neglected! Watch out, it’s a silent killer.

[@melissajustice5490]

I’ve missed AO on Dave Ramsey. I feel like I understand him more after this interview and I have new appreciation for him instead of the Dave Ramsey personality. I will pray for his future wife.

[@Fabulizzzzz]

Loved this conversation

[@RyanPineda]

Awesome, thanks!

[@dotpenji]

You're truly inspiring, Anthony! How do you balance your faith-based financial approach with the more secular perspectives like leveraging debt for entrepreneurship and wealth-building?

[@monalizapantoja8490]

True! Both approaches can be successful if managed wisely and in line with your unique circumstances and beliefs.

[@zacbermudez6054]

Thanks for sharing your journey and helping others build wealth and make better life decisions!

[@Pure_KodiakWILD_Power]

Around 19 minutes

[@monicasoriano8581]

This is such a good conversation!

[@tamaralaird3389]

I'm with AO, i need to sleep at night. I can't sleep with thousands if not millions in debt. NO. I need to have my freedom and not think, if things don't go well, I will die.

[@aliciaz4682]

It really matters. We had an ethics situation at my husband’s job, and he chose integrity. We had no debt, so not having a job was an issue, but it was not a complete crisis - he just did some construction in the in between and we ended up better financially as we knew how to not spend. If we would have been saddled in debt, choosing integrity would have been much much more difficult.

[@Prettynbrown79]

Omg AO my fav.

[@Justsayingthat]

I watch Ryan, Ramsey and Anthony. Need different perspectives.

[@_IsrealPerez]

agreed they are all great

[@vincenttrovato]

Try Jaspreet Singh with the Minority Mindset

[@Urlacher2354]

Who's Anthony?

[@vincenttrovato]

@@Urlacher2354 lol read the video title.

[@rav4hybrid]

Nah brother you need a job

[@antoniorojas630]

Great podcast!

[@mcr7379]

Reminds me of Denzel Rodriguez also teaching how to build your Kingdom ❤

[@anjulheart6476]

Anthony I love you for you not your money.❤💯✌🏾

[@haleyrenee7683]

I love the perspective of two different people. Debt free and financially funding with credit. I love it!!

[@chardebrown6318]

This is good

[@xtracredit]

The question the tolerance to risk. In today’s world, the risk tolerance to debt should be very, very low.

[@therealashleycrouch]

Yeah we’re doing it for “them in the future. If they’re there.” Boom 😮

[@Brodyqueal]

AO is the man! Servant’s heart!

[@jayc4715]

Fughk being a "servant"

[@OpusXcigars]

I relate to this how can I get involved with your group?

[@susanwhitbeck4210]

What about the people in the community that can’t get a checking account and lives going through the pay day loan companies. These r the people living in poverty.

[@kukilicious200]

AO!

[@jdudefun1755]

What's the time stamp for him leaving Ramsey?

[@chicamie]

When he said “(God) …I don’t want my ex’s killed & destroyed” LOL 😂😂😂

[@sallyprzybil2404]

There are so many kids out there who believe they have no choices in life, that they have no real future financial wise. In many cases that’s a generational thing. They don’t see themselves as the kind of person that has any financial future, no chance at all to have wealth. It’s not a race thing, these kids are of all colors. Generally inner city, borderline inner city kids. Both boys and girls. It’s sad that they feel stuck.

[@yojason1]

First

[@deb9806]

I like some of Dave's advice but do have cards I pay off and I do like the points. Just used 50 to buy 2 presents while leaving my savings alone. I don't understand though after paying off my mortgage few years ago, my credit score is still 850, sometimes drops to 840. Dave always says it is based on debt but if I pay off cards, sometimes making more than one payment a month, it seems to go up. I like having it, don't want extra paperwork etc but he said it would disappear. I guess if you only use cash

[@patricksimon8943]

It only goes away if you don’t use credit at all.

[@deb9806]

@@patricksimon8943 That's good to know. I don't mind having a credit score and it helped my son with a more seamless first mortgage. What they describe sounds awful and even John's trips trying to find rental car companies who take debit and airlines etc. He once said Ramsey gives him a lot of cash...yes I can see my daughter traveling with wads of cash....I just shake my head.

[@TheRainman614]

Dave is speaking to people who cannot control their spending. If you have the discipline to pay off your credit cards every month, you're fine. He has said that in person and on his show. However, he has said that he doesn't promote using credit cards because 90-95% of his listeners struggle with tracking their credit card expenses and paying the card off on time. At the same time, you're not going to get rich by using a credit card either. The perks are only beneficial if you're not increasing your balance.

[@deb9806]

@@TheRainman614 common sense but not always prevalent. Cards aren’t any more evil than liquor or lottery/gambling. People just can’t control impulses at times.

[@seminolekilla]

Getting 2% cash back is nice, but it’s not gonna make you a millionaire. In fact, you are an example of why cards offer points, “you like them,” and a lot of people spend more than they would otherwise to attain more points.

[@joshuaoakley298]

A lot of wisdom for some young guns

[@JOMOPressureWash]

PRAISE THE LORD

[@WoohSteezy]

30:27

[@jdudefun1755]

AO has been enjoying too many debt free calories 😜

[@williboy1b]

How do you teach about God's word through finance I could not understand.

[@nessparadis6948]

AO was a pastor?

[@GaryGregoryMOBS]

BIG difference between consumer debt and other kinds of debt. Not everyone knows how to leverage debt properly and that’s okay. Nice perspective.

[@LAKitchen]

The red hair has a joker-esque vibe... can't take your words seriously lol

[@Pure_KodiakWILD_Power]

Awwww, missed that high five with Grant Cardone 😂

[@durrere1973]

I would not have bought a Bentley. There are better cars for less. What’s the point

[@Xaxameti]

I think it'll be a while before he marries bc the things he is doing to "prepare" himself are ongoing. You really need to grt after it more than just languish in the prep room. Sounds nice what he's saying, but definitely he'll need to decide at some point ...

[@adamborkowski982]

Ayee vikings!

[@zacharyfair6738]

For me - it is just weird the way they talk about faith. You have to be a believer to work with someone, etc. Just cultural differences I guess. In my part of Pennsylvania, people have guns, but don't make a big deal about it like Texas.... The same goes for religion. Some go to church, others don't. We are also surrounded by extremely conservative Amish & Mennonite populations, who obviously have a strong faith. Still - we just live life and don't put so much effort on surrounding ourselves with godly people. Host keeps acting like non-Christians can't make good decisions. Sleeping with random women who DM you is not a faith thing - it is a self respect thing.

[@MichaelDillin]

Now I know why Anthony left Dave he's doing Dave light he's talking about debt Dave doesn't dudette Anthony where did you go astray

[@Len_God]

I missed the how to get rich without debt

[@joshuaarseneau5891]

So the goal is not to be rich. The goal is to build wealth and have financial peace. Wealth can be built simply over a period of time. Once your assets profit you more then your living expenses you are wealthy. Avoiding debt, saving and investing is simple and boring unfortunately. Sign up for financial peace university online it’s like $99 and follow the baby steps. It took me three years but now me and my wife are debt free. We live off one income and save, invest and give off the second. Once you have no debt and 3 to 6 months expenses saved there is not much you cannot do. Once our investment/assets start to equal are living expenses we will retire. That’s not hard to do if you have no debt but it takes a lot of discipline and a partner with shared values. Good luck

[@t.r.2329]

Why does your hair look like a helmet? :D Lol

[@AnthonySmith-ti6cf]

Maybe I missed it, but he never stated why he's not with the Ramsey organization. As an occasional listener to Ramsey, I noticed he wasn't there any longer. This video proves one of many things to me: These guys don't know a stitch of sound Biblical doctrine, since they follow or have followed the likes of T.D. Jake's, and Creflo Dollar, who are a part of the Carismatic movement, which is filled with heretics. D. Ramsey teaches hersesy as well. It would do them some good to use some of their money and get some education in English and Theology!

[@ivanali1732]

Dave Ramsey >

[@DEX19741]

Why would you buy a car like that ? The depreciation

[@janetcross2797]

I have try I work with a lot of black men they don’t believe me and don’t believe they can get ahead they borrow money from every where but they buy beautiful cars

[@TeacherKellyTag]

I know this wasn’t the point but why didn’t his parents let him move home at 19? I have a 19-year-old and couldn’t imagine not letting her move home

[@patriciasimpsonnewton9395]

He did go back home after apologizing to his parents. So the inference is he had been disrespectful in some way.

[@shreehill9641]

They thought he was living with his girlfriend

[@generalshib7796]

He’s talking about being mature, but he has red hair…. Smh 🤦‍♂️

[@libertarian4323]

Blowing money on a Bentley is a ridiculous "hey, look at me!" flex, but even a new one only costs $240k- any garden variety millionaire could easily buy one with cash.

[@jayc4715]

Mm...hmm..hmm.hmm mmm.mmm.mmm

[@eddier115]

Anthony should go to Africa. Specifically Kenya. He would find a Godly young woman in her early 20s to make his wife.

[@CoolestGuyInTheRoom]

Black guy buys a Bentley speaking to poor people about debt. Story never changes. Sabbatical🤣

[@twyiatv]

You all do realize these people get money from KZbin right??

[@JustinJoe394]

I find AO to be disingenuous. He has a life story that I think is part fact and part fiction. He uses these life events and his youth, style and charisma to sell and promote people and items that are more lucrative for him than the people who buy into what he's pushing or selling. But after all, he's just practicing capitalism and he's identified his audience which are generally people you look like him.

[@jathanbooher1465]

What do you believe he is lying about?

[@georgesontag2192]

Better make sure you have a good pre nup when you get married to the government ( her). That Bentley, rental, savings..... 80% will go to her as she can claim she is being abused by you. Millions of men will confirm this. Irreconcilable differences is the legal term wriiten on the dissolution of marriage petition sent to you.

[@brightpage1020]

I'm sorry, this has nothing to do with you... But everytime I see that shade of red on male hair, I immediately think of the Aurora, Colorado movie theater shooter. Is that association something you are purposefully trying to make? To get the shock jock attention so people click? Or am I the only one who has flashbacks like that even though here in this video you seem more interested in helping people kill it financially than in killing them?

[@brightpage1020]

Wait is that a hat? A wig? Or your real hair. I'm sorry. My ADHD just is so distracted by this dominant, attention grabbing hair color. I apologize. I can not focus on what you have to say or keep watching.

[@seminolekilla]

Is Ronald McDonald also the aurora shooter? If that’s immediately what springs to mind therapy may help.

[@seankelly6695]

Red flag …. 39 year old with money and single.

[@Justsayingthat]

He called himself out for messing up opportunities for marriage with great women when he was younger.

[@tam6011]

Truth be told as a woman its not red flag. Its red flag if never corrected or found out what the issues were. Age does not determine red flags. This is a myth

[@eileenwatt8283]

17:05 stop. A good man knows his value and will chose his wife wisely. The same principles he used for investments he'll use in selecting a wife. Tons of women out in the world looking for a man with money only to claim half that they never worked for. The brother is smart in staying single until he meets someone who is worthy to be his wife. A lot of successful black men are not jumping into marriage. They know the risk of losing it all in a divorce. There is nothing wrong with waiting until they see someone who is worthy of them. High value man does that.

[@jayc4715]

Red flag is Red hair

[@mycaddigo]

Red flag, 1 of 20 million other ignorant internet posters making snap judgement with almost zero information.

[@tharpeaddy]

My dad has two Bentleys by refinancing his house So that’s not rich to me lol it’s just wealthy

[@dec1slh]

Wealthy > Rich

[@richardlee2120]

Dave Ramsey got wealthy selling books and seminars, not by following his own advice. He is great for getting people out of debt but gives lousy advice on mortgages and investing.

[@austinkyle]

🧢

[@LukaBrahzie]

Very Biblical, yet divorced and remarried? Not very Biblical!

[@Freshprankstv1]

Who got divorced and remarried? And every sin we all do daily isn’t biblical either. How about that?

[@LukaBrahzie]

@Freshprankstv1 the guest in this video, said he grew up in a very Biblical household, yet he has 2 mothers and 2 fathers, that's who.

[@MartinNeduEgwuagu]

Brother…Moses killed a man…david stole his soldiers wife, had him strategically placed in battle so that he would die in battle, had a baby with his wife,…on and on..can you tell us what Biblical means?

[@LukaBrahzie]

@MartinNeduEgwuagu You protestants are a bunch of hypocrites! That's why I reverted back to the Catholic Church after being an atheist for over 30 years and spent 3 years as a protestant. I'm not talking about Old Testament. I'm talking about what JESUS said. Matthew 19:9 NABRE I say to you, whoever divorces his wife (unless the marriage is unlawful) and marries another commits adultery.”

[@Justsayingthat]

@@LukaBrahzie He has his biological parents and was also raised by another couple. Divorce was not even mentioned!

[@reggiejenkins6458]

I don’t know. This dude is like 40 and single talking about how much he values family. That’s kinda fraudulent. He knows the right things to say, but his actions betray his words.

[@arturogomez7026]

This guy is not qualify to be called a pastor. 🤦‍♂️

[@dec1slh]

Why not? Also he is not promoting himself as a Pastor, so it doesn't really matter.

[@arturogomez7026]

@@dec1slh Ryan called Anthony a pastor 11 minutes in to the interview. This interview is about his financial success and how he is helping other get there. That is not the issue. The issue is that this man is present as a pastor figure. By biblical definition he doesn’t qualify to be call a pastor. In doing so you are presenting a distorted figure of what a pastor is according to Scripture. Plus, all the people he is associated with that calls themselves pastor are wolf’s in sheep’s clothing. What these man preach is the prosperity gospel. Which is no gospel at all. They have high jack all biblical terms and doctrines and have perverse, twisting and distorted the Holy Bible as they see fit. Man of this kind of belief have a place in hell.I am not against educating people to become financially set, but I am strongly against people who consciously or unconsciously present themselves as some type of Chruch figure(Christian, pastor, elder, Apostle, prophet) when they clearly are not. This is not according to me but according to the Bible. If you read your Bible you would know and would have agree with me. I’ll go to the extent to say that even Ryan is not qualify to be called a pastor. Pastors uphold the Doctrines of the Bible. The prosperity gospel is a satanic teaching, because it teaches that God wants to make you rich and have abundance. That if you are poor that’s a curse. That you can have you best life now. This couldn’t be further from the truth. If that was the case all the Apostle in the Bible would have been millionaires. God calls us to live in conformity to His will. The Christian life according to the Bible is not about material accumulation. It’s about growing in Holiness. This means dying to self by going to war with our sinful nature, the sinful nature that remains once we where born again my the Spirit of God through repentance and faith in Christ . This life is hard pressed by the World and the sinful nature,believers carry this duty until their death to this immoral body. My friend your spiritual state is shown by your statement “it doesn’t really matter “ it’s a state of blindness in your heart of the danger before you. The danger of being deceived or worse, that you’re already deceived.

[@matthewconner463]

A.O..🙏🏾GOOD DUDE🫵🏾😇

[@Suleah]

Absolutely love this interview! Seeing 2 men talk about the subjects you did together with so much passion & great advice was very enriching & inspiring to see as a single woman on this journey.🫶🏾🙌🏾❤️‍🔥

[@Wizdomman1]

32:37