The Table with Anthony ONeal

Arian Simone joins Anthony O’Neal for a conversation on how she went from a financially savvy family and a profitable college business to living in her car at 23, and how that experience permanently changed how she thinks about security, debt, investing, and entrepreneurship. They unpack the lessons she inherited from generations of women who built wealth, why she believes access to capital matters, the mistake that taught her not to play small, and why real financial freedom is less about looking successful and more about having options when life goes left.

KEY POINTS 
00:00 – Introduction: Arian Simone joins Anthony on The Table
02:28 – From full-ride scholarships to living in her car at 23
05:35 – The grandmother who built wealth and paid for college debt-free
11:27 – Seven months homeless, rock bottom, and the faith that carried her through
13:19 – Why access to capital matters and the mission behind Fearless Fund
22:00 – Venture capital explained: cash, equity, and ownership
28:13 – The profitable business Arian closed because she thought she failed
33:11 – The $10M opportunity that taught her not to play small
38:49 – How living in her car changed her approach to debt and security
44:18 – Two paths to wealth: entrepreneurship and generational financial habits

QUOTES: 

“Everybody's not free from disruption. Disruption can hit your life at any point in time.” – Arian Simone 

“You need to be very careful when you choose who you want to align with your vision.” – Arian Simone

GUEST RESOURCES: 

Arian Simone 

Website | https://www.ariansimone.com/ 
IG | https://www.instagram.com/ariansimone/

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

If you owe more on your car than it’s worth, trading it in may not solve the problem. It can roll thousands of dollars of old debt straight into your next loan. In this episode, Anthony breaks down how car debt keeps people trapped, the three numbers you need to know before your next move, and four practical steps to decide whether to keep the car, sell it, close the gap, and eventually break the car-payment cycle for good. He also shares how he went from making six figures with nothing left before the end of the month to building a life where his cars no longer control his financial future. 

MENTIONED HERE
📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 
🚗Stop Overpaying
For Car Insurance: https://www.anthonyoneal.com/carinsurance 

QUOTES: 

“A $4,000 car that you own beats a $44,000 car that owns you. Every single day of the week.” – Anthony O’Neal

“Nobody out there was foolish. We were all optimizing for how it looked in the driveway instead of what it left us in our account.” – Anthony O’Neal

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

If Anthony O’Neal had to start investing from scratch in September 2026, this is exactly how he’d do it. 

Anthony breaks down his simple 80/20 investing strategy, what he would do with his first $500, where to find extra money in your existing budget, and why waiting for the “perfect” time to enter the market could cost you years of growth. He also explains the order of accounts he would prioritize, how an emergency fund protects your investments, and how consistently investing just $107 a month could potentially grow into more than $250,000 over 30 years. This episode is a practical roadmap for anyone who wants to stop overthinking investing and start building real wealth with the money they have today.

MENTIONED HERE
🚗Stop Overpaying
For Car Insurance: https://www.anthonyoneal.com/carinsurance 
📈 Start Investing Today: https://www.anthonyoneal.com/invest 
📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book

KEY POINTS 
00:00 – Introduction: How Anthony would invest his first $500 using an 80/20 strategy
03:38 – Why you can apply the same investing formula even if you only have $25 or $100
05:47 – Why boring, low-cost index funds can become the foundation of long-term wealth
18:04 – How to find your first $500 without getting a raise or starting a side hustle
18:25 – Four everyday expenses that may be quietly eating up your investing money
28:13 – Why an all-time market high is not automatically a reason to wait
31:27 – Why an emergency fund gives you the ability to stay invested when markets fall
35:37 – The order Anthony recommends: 401(k) match → Roth IRA → brokerage account
37:17 – How $107 a month could potentially grow to roughly $252,000 over 30 years
40:02 – The 3 investing mistakes that can destroy a good strategy

QUOTES: 

“The schedule is the strategy, and your feelings are not.” – Anthony O’Neal 

“Your emergency fund is not a savings goal. It's what buys you the right to hold on. It protects your peace.” – Anthony O’Neal

“Time in the market beats the amount you put in every single time.” – Anthony O’Neal

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

Can you really buy a home with $0 down without putting yourself in a bad financial position? 

In this episode, Anthony sits down with Coalition Properties Group to break down how 100% financing works, what lenders actually want to see, and how to prepare yourself to buy within the next six months. They unpack credit scores, savings, debt-to-income ratios, PMI, tax returns and P&L statements for entrepreneurs, plus why writing everything off can hurt your ability to qualify. Anthony also shares how getting a second mortgage quote saved him $1,000 a month, and the group explains renovation loans, property management costs and how to know when owning more real estate is no longer worth the stress. 

MENTIONED HERE:
💸 Download my 5 free scripts to lower your monthly bills and put more money back in your pocket: https://www.anthonyoneal.com/5scripts
🎥 Ready to level up your content? Book your next shoot at https://www.neatnessstudios.com/ 
📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book

KEY POINTS 
00:00 – Introduction: How 100% financing works and when it makes sense
04:15 – Why $0 down still requires money in the bank
10:49 – The 640 credit score and savings benchmarks lenders want
04:58 – How debt-to-income affects what you can afford
11:44 – How to get mortgage-ready in the next six months
21:05 – Why tax write-offs can hurt entrepreneurs at closing
26:19 – What self-employed buyers need to prove their income
32:56 – How Anthony saved $1,000 a month by negotiating
17:39 – How to know when you own too much real estate
35:32 – How renovation loans can help you buy and upgrade a home

QUOTES: 

“I'm already living paycheck to paycheck. Let me go buy this asset. When really I don't have the means to take care of the asset. Now the asset becomes a liability.” – Anthony O’Neal

“What if I was just hoping it and just doing what the average everyday social media world says, just write off everything and come zero?” – Anthony O’Neal

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

Saving money matters, but at some point, keeping too much cash in the bank can work against your financial goals. 

In this episode of The Table, Anthony O’Neal breaks down how much you really need in emergency savings, why inflation quietly eats away at idle cash, and what to do with the money you have above that number. He explains his three-tier emergency fund strategy, the difference between saving and building wealth, and why fear can sometimes disguise itself as financial wisdom. Anthony also opens up about his own experience hoarding cash instead of investing and why building wealth today is ultimately about creating freedom, security and a stronger legacy for your family.

MENTIONED HERE:
- 💸 Download my 5 free scripts to lower your monthly bills and put more money back in your pocket: https://www.anthonyoneal.com/5scripts
- 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book
- 💰 Find the best High-Yield Savings Accounts: https://www.anthonyoneal.com/savings

KEY POINTS 
00:00 – Introduction
00:00 – 60% of Americans Can’t Cover a $1,000 Emergency
00:00 – How Inflation Quietly Costs You Money
00:00 – Why Consumer Debt Comes Before Investing
00:00 – Why Your Emergency Fund Belongs in a High-Yield Savings Account
05:12 – How to Calculate Your Real Emergency Fund
05:12 – The $250,000 FDIC Insurance Limit
10:16 – How Your Savings Balance Changes Your Spending
10:16 – Why You Should Automate Money You Know You’ll Spend
10:16 – The Order: Debt-Free → Emergency Fund → Investing
15:05 – How Fear Kept Anthony From Investing
20:29 – Finding Your Freedom Number

QUOTES 

“There's a number where safe turns into unwise. Safe turns into stuck.” — Anthony O’Neal 

“Saving protects you and your family. Building grows you and your family. These are not the same things.” — Anthony O’Neal 

“Your money isn't just a number in the app; it's stewardship. What you do with the surplus says whether you're building towards financial freedom, or you're building towards true freedom, or just building a bigger pile of fear.” — Anthony O’Neal 

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