1 00:00:00,160 --> 00:00:03,640 Speaker 1: Money and education. Education and money. People tell you that 2 00:00:03,680 --> 00:00:05,600 Speaker 1: if you get a college degree, it would lead to 3 00:00:05,640 --> 00:00:08,520 Speaker 1: a better life, But what they don't talk about is 4 00:00:08,600 --> 00:00:11,799 Speaker 1: the money involved in that process. So many levels, my 5 00:00:11,880 --> 00:00:15,280 Speaker 1: next guest has helped hundreds of thousands of students make 6 00:00:15,320 --> 00:00:19,239 Speaker 1: smart decisions with their money, relationships, and education. He's a 7 00:00:19,320 --> 00:00:22,480 Speaker 1: national bestselling author and travels the country as a Ramsey 8 00:00:22,680 --> 00:00:26,160 Speaker 1: personality spreading his encouraging message to have teens and young 9 00:00:26,200 --> 00:00:29,760 Speaker 1: adults start their lives off right. His latest book, Debt, 10 00:00:30,040 --> 00:00:33,440 Speaker 1: Debt Free Degree Not just this month. Please welcome to 11 00:00:33,600 --> 00:00:38,440 Speaker 1: Money Making Conversations. Anthony O'Neill man, Good morning, Thanks so 12 00:00:38,479 --> 00:00:41,880 Speaker 1: much for having me on, sir, appreciate the opportunity. Where 13 00:00:41,880 --> 00:00:43,560 Speaker 1: are we calling you? Where are you calling in from 14 00:00:43,560 --> 00:00:45,879 Speaker 1: my friend man? Right now? I'm onna book to her, 15 00:00:45,960 --> 00:00:49,080 Speaker 1: so I mean Los Angeles, California today and tomorrow. Then 16 00:00:49,159 --> 00:00:53,320 Speaker 1: we fly out to Denver, Colorado, then from there to Houston. 17 00:00:53,400 --> 00:00:55,600 Speaker 1: So I'm just out here traveling the world trying to 18 00:00:55,600 --> 00:00:57,440 Speaker 1: spread this message and help a lot of parents and 19 00:00:57,560 --> 00:01:00,200 Speaker 1: young people as much as the post we can. You 20 00:01:00,200 --> 00:01:02,680 Speaker 1: know were I just left Houston. Houston is my well. 21 00:01:02,720 --> 00:01:04,360 Speaker 1: I was born and raised, have a home in Houston, 22 00:01:04,480 --> 00:01:07,119 Speaker 1: so I know that's a great, great place to eat. 23 00:01:07,440 --> 00:01:10,160 Speaker 1: I'll be in Los Angeles on Friday, so we're kind 24 00:01:10,160 --> 00:01:13,640 Speaker 1: of like missing ourselves. I would not be in Denver. Denver, Colorado. 25 00:01:13,880 --> 00:01:17,120 Speaker 1: It's Colorado's my favorite state. I love the weather, they 26 00:01:17,160 --> 00:01:20,399 Speaker 1: I love the views in Colorado. So you're going a 27 00:01:20,400 --> 00:01:23,200 Speaker 1: lot of places that I enjoy, which means that you changing. 28 00:01:23,640 --> 00:01:25,360 Speaker 1: I'm looking forward to Denver to see the people, but 29 00:01:25,440 --> 00:01:29,000 Speaker 1: not for the weather. It's snowing in code Black Brother. 30 00:01:29,200 --> 00:01:31,080 Speaker 1: I don't know wherever I black, brother, but I love 31 00:01:31,120 --> 00:01:35,400 Speaker 1: that cold. I'ld see us some photo. If you just 32 00:01:35,640 --> 00:01:38,640 Speaker 1: like me, Mr O'Neill, you would not going to Denver, 33 00:01:38,680 --> 00:01:42,160 Speaker 1: because brother, I got some clothes. Let's talk about you 34 00:01:42,200 --> 00:01:44,440 Speaker 1: in this book, man, I read it and I enjoyed it. 35 00:01:44,520 --> 00:01:46,959 Speaker 1: And UH had a twenty two year old daughter who's 36 00:01:47,000 --> 00:01:49,680 Speaker 1: in college. She's a junior. I brag about it because 37 00:01:49,680 --> 00:01:52,280 Speaker 1: she's a National Honor Society student. But of course she 38 00:01:52,360 --> 00:01:55,360 Speaker 1: has her dad and her dad is paying for her education, 39 00:01:55,440 --> 00:01:58,000 Speaker 1: so she's not hitting in these moments where you have 40 00:01:58,040 --> 00:02:00,240 Speaker 1: to concern yourself about debt free Now that at what 41 00:02:00,360 --> 00:02:02,840 Speaker 1: to college? And I had some grants that allowed me 42 00:02:02,920 --> 00:02:04,960 Speaker 1: to go through college and then I work part time 43 00:02:05,000 --> 00:02:07,680 Speaker 1: at night, so I left college debt free. I had 44 00:02:07,680 --> 00:02:10,200 Speaker 1: no issues about credit card problems and things like that. 45 00:02:10,240 --> 00:02:13,280 Speaker 1: So I clearly understand there is an issue. Their companies 46 00:02:13,280 --> 00:02:15,360 Speaker 1: on TV right now to tell you if you give it, 47 00:02:15,400 --> 00:02:17,240 Speaker 1: we can we can get you out of college debt. 48 00:02:17,560 --> 00:02:21,079 Speaker 1: That people to the politicians trying to create formats where 49 00:02:21,120 --> 00:02:23,760 Speaker 1: you can walk away from the debt. So this book 50 00:02:23,800 --> 00:02:26,720 Speaker 1: and this conversation you're having is a national epidemic. I'm 51 00:02:27,080 --> 00:02:29,359 Speaker 1: gonna use the word epidemic that people are trying to 52 00:02:29,400 --> 00:02:31,800 Speaker 1: figure out how they can fix it. What is your 53 00:02:31,800 --> 00:02:34,799 Speaker 1: book tell us what to do? Talking about that? Well, 54 00:02:34,840 --> 00:02:36,680 Speaker 1: my book is really much pretty much the step by 55 00:02:36,680 --> 00:02:39,120 Speaker 1: set process to how we can get our young people 56 00:02:39,160 --> 00:02:42,360 Speaker 1: into college and through college debt free. We got one 57 00:02:42,360 --> 00:02:44,640 Speaker 1: point six trillion dollars and student loan debt. The average 58 00:02:45,040 --> 00:02:47,919 Speaker 1: graduate with about thirty five thousand dollars and student loan debt. 59 00:02:48,200 --> 00:02:50,000 Speaker 1: But then the fifth of our students will graduate with 60 00:02:50,080 --> 00:02:52,600 Speaker 1: a hundred thousand dollars or more. You know, so many 61 00:02:52,639 --> 00:02:55,400 Speaker 1: people relying on the government for the student loan forgiveness 62 00:02:55,400 --> 00:02:57,720 Speaker 1: program and all this other type of stuff. But here's 63 00:02:57,760 --> 00:03:00,760 Speaker 1: my thing, and we need to start taking ownership for ourselves. 64 00:03:01,080 --> 00:03:04,919 Speaker 1: And I graduated UM High School thirty five thousand. I 65 00:03:04,919 --> 00:03:07,440 Speaker 1: wasn't dead homes Befriday night before. I was nineteen years 66 00:03:07,440 --> 00:03:09,800 Speaker 1: old and took out ten thousand dollars student loans and 67 00:03:09,800 --> 00:03:13,520 Speaker 1: nobody really explained to me what exactly will these loans 68 00:03:13,639 --> 00:03:16,160 Speaker 1: do for my future? And so just after doing a 69 00:03:16,200 --> 00:03:18,400 Speaker 1: bunch of research and just really diving in with my 70 00:03:18,440 --> 00:03:20,840 Speaker 1: team and I'm you know, we literally came up with 71 00:03:20,880 --> 00:03:23,560 Speaker 1: the process of saying, here here, it's a step by 72 00:03:23,600 --> 00:03:26,280 Speaker 1: step process on how you can get your child into 73 00:03:26,560 --> 00:03:29,280 Speaker 1: college and through college debt free. This is not just 74 00:03:29,320 --> 00:03:33,200 Speaker 1: an encouragement book. This is from seventh grade through twelfth grade. 75 00:03:33,240 --> 00:03:36,120 Speaker 1: If you follow this plan, your child will go to 76 00:03:36,120 --> 00:03:39,160 Speaker 1: school debt free. Right now. The interesting thing before we 77 00:03:39,320 --> 00:03:41,880 Speaker 1: started out, all right, it was something what is the 78 00:03:42,000 --> 00:03:44,160 Speaker 1: I'm gonna answer this commercial because they kept popping up 79 00:03:44,160 --> 00:03:47,480 Speaker 1: what is a Dave Ramsey personality? Because it's mentioned as 80 00:03:47,520 --> 00:03:50,040 Speaker 1: part of your credits. Let's talk about that. Yeah, yeah, 81 00:03:50,120 --> 00:03:52,960 Speaker 1: so Dave Ramsey, the financial group mentor minds and uh 82 00:03:53,000 --> 00:03:56,920 Speaker 1: and and the pretty much the leader of my current career. Um, 83 00:03:56,920 --> 00:03:59,520 Speaker 1: you know, everyone knows Dave Ramsey for the number two 84 00:03:59,640 --> 00:04:01,560 Speaker 1: number red talk radio show in the world, and so 85 00:04:01,600 --> 00:04:05,000 Speaker 1: he's bringing in personalities who will help spread his message 86 00:04:05,000 --> 00:04:07,200 Speaker 1: in our own messages. You know, Dave is preparing to 87 00:04:07,960 --> 00:04:11,720 Speaker 1: for successions. Whenever he plans to retire or whenever God 88 00:04:11,760 --> 00:04:14,120 Speaker 1: transitions him. He wants to make sure that his company, 89 00:04:14,440 --> 00:04:16,400 Speaker 1: um and his message can still reach the world. So 90 00:04:16,480 --> 00:04:18,839 Speaker 1: there's five of us. You have his daughter, that you 91 00:04:18,880 --> 00:04:21,320 Speaker 1: have Chris Hogan, Ken Coleman, Chrissie right, then you have 92 00:04:21,440 --> 00:04:24,800 Speaker 1: myself and then we're all in different different spokes. I 93 00:04:24,800 --> 00:04:27,839 Speaker 1: would say I'm in the team Millennial and African American 94 00:04:27,920 --> 00:04:31,000 Speaker 1: space is really helping young people avoid debt, get out 95 00:04:31,040 --> 00:04:33,560 Speaker 1: of debt, and build wealth. Then you have Chris Hogans 96 00:04:33,560 --> 00:04:37,520 Speaker 1: who's focus on helping people retire millionaires and in the 97 00:04:37,560 --> 00:04:40,320 Speaker 1: NAT Spoken and Kim Coleman helping young people get into 98 00:04:40,360 --> 00:04:42,800 Speaker 1: their dream jobs and careers. So we're all in our 99 00:04:42,800 --> 00:04:45,919 Speaker 1: different spaces. Uh. Dave Ramsey is the head of personality. 100 00:04:46,360 --> 00:04:48,560 Speaker 1: You know, we have nearly a thousand team members there 101 00:04:48,560 --> 00:04:51,280 Speaker 1: in Nashville, Tennessee, and we're just here to help people 102 00:04:51,320 --> 00:04:54,000 Speaker 1: be good stewards of their money. Become debt free. It 103 00:04:54,160 --> 00:04:57,360 Speaker 1: just build wealth and leave a legacy rather than dying 104 00:04:57,400 --> 00:04:59,880 Speaker 1: with debt and just living paycheck to paycheck. Is great 105 00:05:00,120 --> 00:05:01,800 Speaker 1: because I wanted to get that explained because a lot 106 00:05:01,839 --> 00:05:04,120 Speaker 1: of people try. He's a mentor, but now he's a 107 00:05:04,160 --> 00:05:07,120 Speaker 1: business relationship as well, which is really good. Now, how 108 00:05:07,120 --> 00:05:09,720 Speaker 1: did you come across creating this relationship with someone like 109 00:05:09,760 --> 00:05:13,040 Speaker 1: a Dave Ramsey? You know? For me, I was pastoring 110 00:05:13,080 --> 00:05:16,200 Speaker 1: in Jacksonville, Florida, had the opportunity to serve up beneath 111 00:05:16,200 --> 00:05:20,039 Speaker 1: the great Bishop Rudolph McKissick Jr. In Jacksonville, Florida, brought 112 00:05:20,080 --> 00:05:23,120 Speaker 1: nearly thirty thousand members and they're what I was doing 113 00:05:23,160 --> 00:05:26,000 Speaker 1: was taking my message into high schools, into colleges and 114 00:05:26,160 --> 00:05:29,240 Speaker 1: traveling around the world speaking for people like Bishop td Jake's, 115 00:05:29,560 --> 00:05:32,320 Speaker 1: Bishop Eddie Loan before he passed out the crftlo dollars, 116 00:05:32,320 --> 00:05:35,040 Speaker 1: some big names UM and just really spreading the message 117 00:05:35,040 --> 00:05:37,720 Speaker 1: of life skills to young people from a spiritual perspective 118 00:05:38,040 --> 00:05:40,960 Speaker 1: and grew one of the largest youth ministries UM urban 119 00:05:40,960 --> 00:05:44,040 Speaker 1: youth ministries in the world. And so with building something 120 00:05:44,080 --> 00:05:45,839 Speaker 1: and such as that and traveling as much as I 121 00:05:45,880 --> 00:05:50,279 Speaker 1: was traveling. I was getting different opportunities from different people, UM, 122 00:05:50,279 --> 00:05:51,960 Speaker 1: and Dave Ramsey was one of them. Him and his 123 00:05:51,960 --> 00:05:54,080 Speaker 1: team was looking for a good millennial guy to come 124 00:05:54,080 --> 00:05:56,400 Speaker 1: in and spread the message. UM. And then they've seen 125 00:05:56,480 --> 00:05:59,760 Speaker 1: this young, sharp African American man who made some mistakes, 126 00:06:00,040 --> 00:06:02,200 Speaker 1: who's a flawed brother, but he still has a passion 127 00:06:02,240 --> 00:06:05,280 Speaker 1: to help people, but the Godfear message. And they asked 128 00:06:05,279 --> 00:06:06,840 Speaker 1: me to come in and I joined the team five 129 00:06:06,920 --> 00:06:09,520 Speaker 1: years ago. Actually. Okay, Now, early on in your book, 130 00:06:09,520 --> 00:06:12,479 Speaker 1: when you talk about your father and you talk about 131 00:06:12,480 --> 00:06:15,920 Speaker 1: how you will I have benefited you to go to school, 132 00:06:16,440 --> 00:06:20,240 Speaker 1: the g I play or the yes. So my father 133 00:06:20,320 --> 00:06:22,240 Speaker 1: served thirty five years in the army, and so I 134 00:06:22,279 --> 00:06:24,920 Speaker 1: had my father's g I bill. We didn't know anything 135 00:06:24,960 --> 00:06:27,800 Speaker 1: about college, We didn't know anything about scholarships, but I 136 00:06:27,839 --> 00:06:29,920 Speaker 1: have my father's g I bill that I also had 137 00:06:29,920 --> 00:06:33,039 Speaker 1: a partner of scholarship from the NFL, the National Forensics League. 138 00:06:33,240 --> 00:06:35,120 Speaker 1: So when I went up to college, I honestly didn't 139 00:06:35,160 --> 00:06:37,360 Speaker 1: need a dime for school, but I took out ten 140 00:06:37,400 --> 00:06:40,640 Speaker 1: thousand dollars just to fund my lifestyle. I know, and 141 00:06:40,680 --> 00:06:43,320 Speaker 1: I know, I know, it's it's great, you know, like 142 00:06:43,360 --> 00:06:46,320 Speaker 1: I said, I saw my friends, the card and the clothes, 143 00:06:46,440 --> 00:06:49,960 Speaker 1: the food, you know, the apartment and not realizing that 144 00:06:50,040 --> 00:06:52,480 Speaker 1: guess what, somebody's gonna ask for this and you may 145 00:06:52,520 --> 00:06:54,560 Speaker 1: not have that, you may not have the full time 146 00:06:54,640 --> 00:06:56,640 Speaker 1: job to be able to pay it back. But god, 147 00:06:56,680 --> 00:06:59,840 Speaker 1: you're living great. Let's go. Oh man, I had a blast. 148 00:06:59,839 --> 00:07:01,360 Speaker 1: You know. I was treating all the young ladies out 149 00:07:01,400 --> 00:07:04,599 Speaker 1: to eat. I was putting the rims on the car. 150 00:07:05,120 --> 00:07:06,680 Speaker 1: You know I had it. But you know you're right. 151 00:07:06,800 --> 00:07:08,760 Speaker 1: You know I'm looking at you on the cover here 152 00:07:08,800 --> 00:07:11,400 Speaker 1: got your chanola watching onto everything. I'm looking at your 153 00:07:11,440 --> 00:07:14,600 Speaker 1: brother like because I gotta know list so I know 154 00:07:14,680 --> 00:07:16,360 Speaker 1: you got I know you got styled. I know I 155 00:07:16,440 --> 00:07:19,920 Speaker 1: know you understand that swag conversations and let me ask 156 00:07:19,960 --> 00:07:21,720 Speaker 1: you this, like, you know, I just finished a big 157 00:07:21,800 --> 00:07:25,400 Speaker 1: contract with National Guard and and one of the things 158 00:07:25,520 --> 00:07:28,240 Speaker 1: was about you know, they'll pay for the college education 159 00:07:28,360 --> 00:07:31,120 Speaker 1: and served close to home weekend warrior. I didn't see 160 00:07:31,120 --> 00:07:34,760 Speaker 1: anything like that. It's part of your book or any 161 00:07:34,800 --> 00:07:37,160 Speaker 1: of the reserves or any of the all National Guardians 162 00:07:37,480 --> 00:07:39,880 Speaker 1: as an option to be able to go to them, 163 00:07:40,280 --> 00:07:43,320 Speaker 1: to be able to enlist and be allowed them to 164 00:07:43,360 --> 00:07:46,000 Speaker 1: pay for the education. Any reason why you didn't choose 165 00:07:46,040 --> 00:07:49,280 Speaker 1: to put any of them into your book, Well, they're 166 00:07:49,320 --> 00:07:50,960 Speaker 1: they're briefly in the book. I didn't do a full 167 00:07:51,080 --> 00:07:53,520 Speaker 1: chapter on the Army reserve or about the military. I 168 00:07:53,600 --> 00:07:56,240 Speaker 1: didn't list out different options and different opportunities to do it. 169 00:07:56,680 --> 00:07:58,520 Speaker 1: Um a lot of people are aware of with the 170 00:07:58,680 --> 00:08:02,120 Speaker 1: army and the military rings to the table um clearly 171 00:08:02,160 --> 00:08:03,760 Speaker 1: in the book. What I really wanted to do is 172 00:08:03,920 --> 00:08:06,840 Speaker 1: just give everyone a clear route option um and all 173 00:08:06,920 --> 00:08:09,280 Speaker 1: of the options. So I couldn't afford to go through 174 00:08:09,440 --> 00:08:11,560 Speaker 1: every single thing, but we do mention and we do 175 00:08:11,680 --> 00:08:13,800 Speaker 1: have a quick page or two in the book about 176 00:08:13,920 --> 00:08:17,200 Speaker 1: what will the army in the military provide? UM for 177 00:08:17,360 --> 00:08:20,200 Speaker 1: that as well. Let's star a huge component of it, though, 178 00:08:20,360 --> 00:08:23,720 Speaker 1: absolutely absolutely. Let's let's talk about the book and who 179 00:08:23,800 --> 00:08:26,920 Speaker 1: you're reaching and things like that. Start from the beginning. Okay, 180 00:08:26,960 --> 00:08:30,200 Speaker 1: we talked about your story and eighteen homeless. You know, 181 00:08:30,360 --> 00:08:35,319 Speaker 1: you you build a huge ministry, you're reaching millennials. And 182 00:08:35,720 --> 00:08:40,280 Speaker 1: what is the number one mistake that a person in 183 00:08:40,480 --> 00:08:44,160 Speaker 1: college about to go to college, graduate from college is 184 00:08:44,320 --> 00:08:47,800 Speaker 1: doing with their finances? Well, there's two things, I would 185 00:08:47,800 --> 00:08:49,760 Speaker 1: say the top two things that the top two mistakes 186 00:08:49,800 --> 00:08:51,960 Speaker 1: that I'm seeing with young people today and even parents 187 00:08:52,520 --> 00:08:54,199 Speaker 1: is that they're taking out student loans and they do 188 00:08:54,280 --> 00:08:56,320 Speaker 1: not have a vision and the plan for their life. 189 00:08:56,400 --> 00:08:59,280 Speaker 1: So I always tell people up front, if you really 190 00:08:59,280 --> 00:09:01,360 Speaker 1: want to go to college, let's go to college. And 191 00:09:01,440 --> 00:09:02,920 Speaker 1: if you want to go to college debt free, we 192 00:09:03,000 --> 00:09:05,440 Speaker 1: gotta take debt off of the table. And we gotta 193 00:09:05,480 --> 00:09:07,719 Speaker 1: have a vision. We gotta have a plan for what 194 00:09:07,840 --> 00:09:09,679 Speaker 1: we're going to do. Are you stepping back and are 195 00:09:09,720 --> 00:09:12,560 Speaker 1: you doing the research to see what career, what career 196 00:09:12,600 --> 00:09:14,640 Speaker 1: field do you want to get into, or if you 197 00:09:14,640 --> 00:09:16,559 Speaker 1: don't know the career field, what's your major you want 198 00:09:16,600 --> 00:09:19,240 Speaker 1: to get into. Once you identify that major, just let's 199 00:09:19,280 --> 00:09:21,720 Speaker 1: make sure that it's profitable. Let's make sure you're not getting, 200 00:09:22,120 --> 00:09:24,080 Speaker 1: you know, a major and something that you're only gonna 201 00:09:24,080 --> 00:09:26,360 Speaker 1: be making thirty thirty five thousand dollars a year for 202 00:09:26,400 --> 00:09:28,319 Speaker 1: the rest of your life. Let's make sure that you're 203 00:09:28,360 --> 00:09:32,240 Speaker 1: getting something profitable. But then the student loans things, you know, 204 00:09:32,440 --> 00:09:34,960 Speaker 1: we're seeing it right now. A study just came out yesterday. 205 00:09:35,000 --> 00:09:37,280 Speaker 1: A twenty eight year old just paid off a hundred 206 00:09:37,320 --> 00:09:40,559 Speaker 1: and eight thousand dollars and student loans, and she was 207 00:09:40,640 --> 00:09:42,240 Speaker 1: just devastated. She was like, if I could do it 208 00:09:42,320 --> 00:09:44,520 Speaker 1: all over again, I would go to school, but I 209 00:09:44,559 --> 00:09:48,240 Speaker 1: would not borrow a dime for school because when she graduated, 210 00:09:48,280 --> 00:09:50,400 Speaker 1: she had to spend the next six years focusing on 211 00:09:50,559 --> 00:09:53,439 Speaker 1: that and living at home. So those are two top 212 00:09:53,559 --> 00:09:55,480 Speaker 1: six that I'm seeing from young people. Well, you know, 213 00:09:55,559 --> 00:09:58,959 Speaker 1: it's really interesting because those mistakes happen. And uh, I 214 00:09:59,000 --> 00:10:02,360 Speaker 1: always tell people, if you can get something easy, you 215 00:10:02,480 --> 00:10:05,679 Speaker 1: have to take a step back to realize what what's 216 00:10:05,720 --> 00:10:08,640 Speaker 1: making it easy? What's making it Because getting college student 217 00:10:08,679 --> 00:10:11,560 Speaker 1: loans it's not difficult to get. You apply for they 218 00:10:11,640 --> 00:10:13,600 Speaker 1: don't really turn you down. They give you the money 219 00:10:13,880 --> 00:10:16,199 Speaker 1: and next day. You know, that's the part of the 220 00:10:16,720 --> 00:10:19,520 Speaker 1: I don't think that's enough good quality counseling that's tied 221 00:10:19,600 --> 00:10:22,640 Speaker 1: to these student loans. There were short student Look, I 222 00:10:22,720 --> 00:10:25,640 Speaker 1: know you want this, but check this out? Am I writing? 223 00:10:25,679 --> 00:10:28,200 Speaker 1: When I'm saying that, I think that, no, you're you're 224 00:10:28,280 --> 00:10:30,040 Speaker 1: hitting the debt on you know, I'm a junior and 225 00:10:30,600 --> 00:10:32,439 Speaker 1: me and my dad went into the class and we 226 00:10:32,520 --> 00:10:34,880 Speaker 1: were just asking our counsel like, hey, what do we 227 00:10:34,960 --> 00:10:36,719 Speaker 1: do And they just said, hey, it's all good. He 228 00:10:36,760 --> 00:10:39,319 Speaker 1: can apply for student loans. Boom, here are some books 229 00:10:39,320 --> 00:10:41,480 Speaker 1: school looking at the school options. So, which is why 230 00:10:41,480 --> 00:10:45,000 Speaker 1: I wrote the book, because, UM, there's really not enough 231 00:10:45,400 --> 00:10:49,320 Speaker 1: information out there to help show young people the opposite way. 232 00:10:49,520 --> 00:10:52,120 Speaker 1: The other way. We're just very big. Hey, you want 233 00:10:52,120 --> 00:10:53,920 Speaker 1: to go to Harvard takeout student loans. You're gonna go 234 00:10:53,920 --> 00:10:55,959 Speaker 1: to l takeout student loans. Go to these big I 235 00:10:56,080 --> 00:10:59,199 Speaker 1: believe schools, and we can come back. We're doing it 236 00:11:00,000 --> 00:11:06,800 Speaker 1: them back broke basically because very broken. A young kid graduated. 237 00:11:06,800 --> 00:11:09,000 Speaker 1: He's twenty four years old, graduated from Anthon. Let me, 238 00:11:09,200 --> 00:11:11,000 Speaker 1: let me, let me go to break back with Anthony 239 00:11:11,240 --> 00:11:14,440 Speaker 1: and UH continuous conversation. We're talking to Anthony's book. He's 240 00:11:14,480 --> 00:11:17,520 Speaker 1: on tour right now, calling from Los Angeles. Debt Free Degree. 241 00:11:17,840 --> 00:11:21,760 Speaker 1: It launches this month by the book this month, Hi there, 242 00:11:21,800 --> 00:11:24,439 Speaker 1: welcome back to money making conversations. On the phone. Is 243 00:11:24,440 --> 00:11:27,560 Speaker 1: Anthony O'Neill. He's on his book tour. Book is called 244 00:11:27,679 --> 00:11:31,520 Speaker 1: Debt Free Degree. Uh launches this month that he's traveling 245 00:11:31,559 --> 00:11:34,319 Speaker 1: to the country. Um, he's under that big profile of 246 00:11:34,640 --> 00:11:39,360 Speaker 1: Dave Ramsey. Uh. Personalities that really carve our different markets 247 00:11:39,440 --> 00:11:42,800 Speaker 1: to really focus and and educate people about finances and 248 00:11:42,880 --> 00:11:44,760 Speaker 1: how they can live a better life. Before we get 249 00:11:44,800 --> 00:11:47,360 Speaker 1: started here, Anthony, it was something I wanted to read 250 00:11:47,480 --> 00:11:49,680 Speaker 1: that party or knows this in According to the Wall 251 00:11:49,720 --> 00:11:54,559 Speaker 1: Street Journal, the average college student graduates graduates with thirty 252 00:11:54,640 --> 00:11:59,560 Speaker 1: five thousand dollars and student loans, and the average starting 253 00:11:59,679 --> 00:12:03,679 Speaker 1: salad area for college graduates it's fifty fifty thousand per 254 00:12:03,840 --> 00:12:09,800 Speaker 1: year before taxes. Yeah, yeah, yeah, And it's just startling, 255 00:12:10,880 --> 00:12:12,160 Speaker 1: you know when you really think about it, like it 256 00:12:12,760 --> 00:12:17,079 Speaker 1: was that investment a good return on and uh my investment, 257 00:12:17,160 --> 00:12:20,199 Speaker 1: which and here's the thing. Colleges are expensive, but it 258 00:12:20,320 --> 00:12:23,280 Speaker 1: doesn't have to be expensive if we can step back 259 00:12:23,800 --> 00:12:25,160 Speaker 1: and just say, you know, let let me just do 260 00:12:25,280 --> 00:12:28,120 Speaker 1: the quality research. For an example, you can go to 261 00:12:28,280 --> 00:12:30,720 Speaker 1: U and see pin Broke and the average tuition there 262 00:12:31,080 --> 00:12:32,760 Speaker 1: that you're gonna spend at this school is going to 263 00:12:32,800 --> 00:12:35,319 Speaker 1: be five hundred all semester. So there's a thousand dollars 264 00:12:35,360 --> 00:12:38,240 Speaker 1: for a school year, four thousand dollars for a bachelor's degree. 265 00:12:38,559 --> 00:12:40,800 Speaker 1: So if you spend four thousand dollars for a bachelor's 266 00:12:40,800 --> 00:12:44,560 Speaker 1: degree and you come out making fifty thousand dollars before taxes, 267 00:12:44,840 --> 00:12:47,000 Speaker 1: now that's a good r O Y. But if you 268 00:12:47,040 --> 00:12:49,040 Speaker 1: go to school and graduate the thirty five to a 269 00:12:49,120 --> 00:12:51,959 Speaker 1: hundred two hundred thousand dollars, that's not a good r. 270 00:12:52,080 --> 00:12:55,200 Speaker 1: I Again, it's expensive to go to school, but if 271 00:12:55,240 --> 00:12:57,319 Speaker 1: you follow the plans in my book, it doesn't have 272 00:12:57,480 --> 00:12:59,880 Speaker 1: to be expensive. Well, that's that's also can affect your 273 00:13:00,000 --> 00:13:03,600 Speaker 1: relationships to you know, you know you dange somebody because 274 00:13:03,679 --> 00:13:06,439 Speaker 1: people look at things differently. Now you know it is. 275 00:13:07,080 --> 00:13:08,880 Speaker 1: You know you're deeply in debt. You got a hundred 276 00:13:08,880 --> 00:13:11,160 Speaker 1: and fifty dollars, you're working a good job, but you're 277 00:13:11,160 --> 00:13:13,599 Speaker 1: not kid can't live in a certain place, you have 278 00:13:13,679 --> 00:13:16,400 Speaker 1: to have roommates to live. It really can affect your 279 00:13:16,480 --> 00:13:19,960 Speaker 1: confidence and also your outlook on your future. So when 280 00:13:20,000 --> 00:13:22,520 Speaker 1: you're talking about fixing the problem before they get to 281 00:13:22,600 --> 00:13:25,559 Speaker 1: college so they can have a debt free degree, it 282 00:13:25,720 --> 00:13:29,120 Speaker 1: really can affect you socially and also potential relationship. Because 283 00:13:29,120 --> 00:13:31,880 Speaker 1: you mentioned that in your in your credits about how 284 00:13:32,360 --> 00:13:36,040 Speaker 1: debt can affect a relationship. Yeah, I mean you're right. 285 00:13:36,080 --> 00:13:38,840 Speaker 1: I mean young ladies today of them are saying, hey, 286 00:13:39,000 --> 00:13:41,920 Speaker 1: they don't want to date other brothers because they're not 287 00:13:42,040 --> 00:13:45,439 Speaker 1: financially stable. But so it's not just impacting their relationships, 288 00:13:45,480 --> 00:13:48,960 Speaker 1: but it's also preventing millennials from purchasing homes. It's also 289 00:13:49,040 --> 00:13:53,600 Speaker 1: preventing married millennials from half considering having kids, um from 290 00:13:53,720 --> 00:13:56,400 Speaker 1: really going after their dreams or even just getting into 291 00:13:56,440 --> 00:13:59,520 Speaker 1: their dream career field. Because if you're graduating with forty 292 00:14:00,000 --> 00:14:02,480 Speaker 1: thousand dollars to a hundred thousand dollars two hundred dollars 293 00:14:02,480 --> 00:14:04,400 Speaker 1: and student loan debt, you need to get that first 294 00:14:04,679 --> 00:14:08,040 Speaker 1: job immediately because the student loans come due within six months. 295 00:14:08,120 --> 00:14:10,760 Speaker 1: So they're rushing into a job and not really going 296 00:14:10,800 --> 00:14:12,840 Speaker 1: into the career for the career field that they went 297 00:14:12,880 --> 00:14:16,280 Speaker 1: to school for. Us. So debt is delaying and slowing 298 00:14:16,440 --> 00:14:19,400 Speaker 1: and killing our dreams. Uh. And that's one thing I'm 299 00:14:19,400 --> 00:14:22,880 Speaker 1: just really fighting against. Okay, let's get the education. Well, 300 00:14:22,960 --> 00:14:25,680 Speaker 1: let's graduate going into our future not worried about our past. 301 00:14:25,760 --> 00:14:28,560 Speaker 1: We know talking to you, your numbers got and it's 302 00:14:28,600 --> 00:14:31,360 Speaker 1: really one of my degree is in mathematics, and numbers 303 00:14:31,440 --> 00:14:33,360 Speaker 1: mean something to me when I see stuff like it 304 00:14:33,480 --> 00:14:35,600 Speaker 1: takes an average or twenty years for people to pay 305 00:14:35,640 --> 00:14:37,680 Speaker 1: off student loans, and when you know, if you've got 306 00:14:37,680 --> 00:14:39,000 Speaker 1: at home, what did they give you. They give you 307 00:14:39,040 --> 00:14:42,080 Speaker 1: two options. Thirty year mortgage, you're fifteen year more and 308 00:14:42,200 --> 00:14:44,520 Speaker 1: so so you've got twenty years. You're sitting over here. 309 00:14:44,960 --> 00:14:47,680 Speaker 1: You know you're in the middle of a mortgage opportunity 310 00:14:47,840 --> 00:14:50,480 Speaker 1: right now that you have to make a decision on that. Also, 311 00:14:50,920 --> 00:14:54,440 Speaker 1: when you're filing for these these loan applications, do you 312 00:14:54,600 --> 00:14:59,880 Speaker 1: have to put this information down the loan debt? Now? 313 00:15:00,160 --> 00:15:01,560 Speaker 1: You know you don't. You really don't. Man, you just 314 00:15:01,600 --> 00:15:03,400 Speaker 1: feel out fast for you. They just ask you a 315 00:15:03,440 --> 00:15:05,800 Speaker 1: couple of questions about your family and your parents and 316 00:15:05,840 --> 00:15:08,920 Speaker 1: the income at your families having, and then boom, Yeah, 317 00:15:08,920 --> 00:15:13,080 Speaker 1: I mean it's it's pretty much approval rates with the 318 00:15:13,160 --> 00:15:15,400 Speaker 1: student loans, I'll say nine and nine point nine percent. 319 00:15:15,640 --> 00:15:18,000 Speaker 1: But let's do the math though, Okay, you're gonna spend 320 00:15:18,000 --> 00:15:20,760 Speaker 1: twenty years paying it back. If the average in state 321 00:15:20,840 --> 00:15:23,720 Speaker 1: school costs you six to eleven thousand dollars, Let's say 322 00:15:23,720 --> 00:15:26,200 Speaker 1: you stay at home, you eat at home, and you 323 00:15:26,400 --> 00:15:29,120 Speaker 1: drive to school. So let's say worst case scenario, you 324 00:15:29,200 --> 00:15:31,840 Speaker 1: spend ten thousand dollars a year. Your math guy, I'm 325 00:15:31,840 --> 00:15:34,960 Speaker 1: a math guy, to buy ten thousand dollars over twelve months, 326 00:15:35,160 --> 00:15:37,680 Speaker 1: that's eight hundred and thirty three dollars a month between 327 00:15:37,760 --> 00:15:40,280 Speaker 1: parents and the child. You shouldn't be able to pay 328 00:15:40,440 --> 00:15:42,560 Speaker 1: for that. So again it goes back, do you want 329 00:15:42,600 --> 00:15:44,960 Speaker 1: to spend you know, eight hundred thirty three dollars a 330 00:15:45,040 --> 00:15:48,040 Speaker 1: month for four years getting your degree debt free, or 331 00:15:48,120 --> 00:15:51,040 Speaker 1: do you want to spend twenty years spending a lot 332 00:15:51,160 --> 00:15:53,640 Speaker 1: of money and a lot that's going towards your interest, 333 00:15:53,720 --> 00:15:57,200 Speaker 1: not even your principle. Really, there's there's a couple of 334 00:15:57,280 --> 00:15:58,920 Speaker 1: things you said in the book that that I kind 335 00:15:58,920 --> 00:16:02,400 Speaker 1: of naturally did that saved me. Like Frienstance, I graduated 336 00:16:02,400 --> 00:16:04,280 Speaker 1: from the University of Houston, but I also went to 337 00:16:04,320 --> 00:16:09,160 Speaker 1: community college, so which allowed me to spend less money 338 00:16:09,280 --> 00:16:13,000 Speaker 1: at the community college, took courses that were transferable. And 339 00:16:13,120 --> 00:16:16,800 Speaker 1: so when you when you're making these financial decisions, sometimes 340 00:16:16,840 --> 00:16:22,200 Speaker 1: the ego got to get pulled back to No, you're 341 00:16:22,240 --> 00:16:25,240 Speaker 1: absolutely right, man, I'm laughing because you're you're you're teaching 342 00:16:25,320 --> 00:16:27,640 Speaker 1: everything in my book for me. Man, I mean, let's 343 00:16:27,640 --> 00:16:29,800 Speaker 1: just do the math, though. I mean, community college is 344 00:16:29,840 --> 00:16:32,240 Speaker 1: gonna be free to about five thousand dollars, and the 345 00:16:32,280 --> 00:16:34,960 Speaker 1: state of Tennessee your first two years of community college 346 00:16:35,080 --> 00:16:38,240 Speaker 1: is free, so you can go there. You're gonna save 347 00:16:38,280 --> 00:16:41,520 Speaker 1: yourself twenty thod dollars right there. But what we're doing 348 00:16:41,640 --> 00:16:44,440 Speaker 1: is we're allowing our kids to take a kid's approach 349 00:16:44,520 --> 00:16:46,880 Speaker 1: to an adult decision. And they want to go off 350 00:16:46,920 --> 00:16:48,240 Speaker 1: to Harvard. They're want to go off to these big 351 00:16:48,280 --> 00:16:51,200 Speaker 1: schools because they're popular. That's where their friends are going. 352 00:16:51,520 --> 00:16:53,520 Speaker 1: You know, they like the football team where they like 353 00:16:53,640 --> 00:16:56,040 Speaker 1: the Greeks for the sororities over there, when really they're 354 00:16:56,080 --> 00:16:59,680 Speaker 1: not thinking about the future, like whether they're future. Forty 355 00:17:00,040 --> 00:17:02,360 Speaker 1: d Rose is going to be saying. So I am 356 00:17:02,440 --> 00:17:05,600 Speaker 1: a huge, huge advocate for young people going to community 357 00:17:05,640 --> 00:17:08,240 Speaker 1: colleges because two plus two weeks four whether you go 358 00:17:08,320 --> 00:17:11,040 Speaker 1: to Harvard, Yale, Princeton Community College, as long as you 359 00:17:11,080 --> 00:17:12,960 Speaker 1: get the four year degree, you're good. And how you 360 00:17:13,040 --> 00:17:15,640 Speaker 1: get it, it doesn't matter. But to me, a person 361 00:17:15,760 --> 00:17:18,280 Speaker 1: choosing to go to that community college route is smart 362 00:17:18,560 --> 00:17:21,840 Speaker 1: because they're thinking about their future. Absolutely, my daughter, even 363 00:17:21,880 --> 00:17:24,439 Speaker 1: though she is her education is paid for, she does 364 00:17:24,560 --> 00:17:26,800 Speaker 1: work at a subway on the weekend. Just just let 365 00:17:27,000 --> 00:17:29,040 Speaker 1: people know that a lot of people in their mind 366 00:17:29,080 --> 00:17:31,200 Speaker 1: they feel that and she is a full time student. 367 00:17:31,520 --> 00:17:34,159 Speaker 1: You can work, you don't have to put all your 368 00:17:34,280 --> 00:17:37,160 Speaker 1: energy into your academics. You can work on the part 369 00:17:37,240 --> 00:17:40,000 Speaker 1: time jobs and be able to pull some of those 370 00:17:40,040 --> 00:17:42,720 Speaker 1: expenses back. The key in this whole conversation is pulling 371 00:17:42,800 --> 00:17:46,240 Speaker 1: back on what you unnecessary expenses because those loans can't 372 00:17:46,320 --> 00:17:49,760 Speaker 1: create unnecessary expenses. The reason I loved your book, and 373 00:17:49,920 --> 00:17:51,720 Speaker 1: really when I looked at it and I was reading it, 374 00:17:52,040 --> 00:17:55,200 Speaker 1: you start in middle school with this plan. You know, 375 00:17:56,160 --> 00:17:58,080 Speaker 1: it's like it's like okay, because most people start in 376 00:17:58,160 --> 00:18:00,520 Speaker 1: high school, which is really too late, because you don't 377 00:18:00,520 --> 00:18:04,080 Speaker 1: have that mindset, that mentality about what you gotta do 378 00:18:04,359 --> 00:18:07,800 Speaker 1: to you know, this is about money. If you're gonna 379 00:18:07,800 --> 00:18:10,040 Speaker 1: start teaching people about money, you better start early when 380 00:18:10,119 --> 00:18:13,040 Speaker 1: money money doesn't mean anything you're doing. You have to 381 00:18:13,119 --> 00:18:16,040 Speaker 1: teach people that money does mean something to them. So 382 00:18:16,200 --> 00:18:19,479 Speaker 1: you started in middle school. Talk to us about that. Well, 383 00:18:19,520 --> 00:18:22,000 Speaker 1: I started in middle school because you know, when you 384 00:18:22,080 --> 00:18:25,040 Speaker 1: go on social media, man, you see these elementary kids, 385 00:18:25,160 --> 00:18:28,520 Speaker 1: five yearrows out there dancing and remembering hip hop music 386 00:18:28,640 --> 00:18:31,480 Speaker 1: songs and dance moves, and it really started irking me 387 00:18:31,520 --> 00:18:33,679 Speaker 1: because I'm like, if they can remember all this stuff 388 00:18:33,720 --> 00:18:36,040 Speaker 1: that is not helping them, then they can remember money, 389 00:18:36,400 --> 00:18:38,919 Speaker 1: you know. And so we're already teaching my nephews at 390 00:18:38,920 --> 00:18:40,760 Speaker 1: the age of five six years old. You know how 391 00:18:40,840 --> 00:18:43,359 Speaker 1: to work for money. You know why we avoid that, 392 00:18:43,640 --> 00:18:46,400 Speaker 1: why we do not borrow money. Um. And so when 393 00:18:46,440 --> 00:18:48,640 Speaker 1: you can have that conversation as early as that six 394 00:18:48,720 --> 00:18:51,359 Speaker 1: and seventh great timeframe. What you're doing is you're just 395 00:18:51,440 --> 00:18:54,000 Speaker 1: putting something inside of their minds. You're giving them something 396 00:18:54,040 --> 00:18:56,840 Speaker 1: to dream, You're giving them something to really look up to, UM. 397 00:18:56,920 --> 00:18:59,600 Speaker 1: And you're really having that conversation earlier on. It's about 398 00:18:59,640 --> 00:19:01,919 Speaker 1: the time get to the ninth grade where their grades 399 00:19:02,080 --> 00:19:04,920 Speaker 1: really do count. They're already they already have the mindset 400 00:19:05,000 --> 00:19:07,399 Speaker 1: and they're already focused. And so in my book, I 401 00:19:07,480 --> 00:19:09,560 Speaker 1: talked about, Hey, here's how you have the conversation in 402 00:19:09,640 --> 00:19:11,720 Speaker 1: the seventh and eighth grade. And once we get to 403 00:19:11,760 --> 00:19:14,600 Speaker 1: the ninth grade, I'm giving them the step by step process. 404 00:19:14,680 --> 00:19:16,880 Speaker 1: Here the classes, here's what you need to be doing, 405 00:19:17,160 --> 00:19:20,800 Speaker 1: here's he and grants, here's me. You start pressing, practicing 406 00:19:20,840 --> 00:19:22,520 Speaker 1: for the A C T, the S A T duling 407 00:19:22,560 --> 00:19:26,080 Speaker 1: world me classes like it is literally the detailed plan 408 00:19:26,200 --> 00:19:29,000 Speaker 1: that I wish I had when I was getting into 409 00:19:29,040 --> 00:19:31,040 Speaker 1: high school. Well, I had. You know, I kind of 410 00:19:31,119 --> 00:19:33,440 Speaker 1: lived it, and which is why I'm enjoying your book. 411 00:19:33,600 --> 00:19:35,639 Speaker 1: You know, it's really interesting that you know, I come 412 00:19:35,680 --> 00:19:38,320 Speaker 1: from the inner city. Uh my father's truck, da mom, 413 00:19:38,880 --> 00:19:41,760 Speaker 1: high school education, six us, two brothers. So but in 414 00:19:42,040 --> 00:19:44,399 Speaker 1: at eighteen, I just knew I wanted good credit. For 415 00:19:44,520 --> 00:19:46,800 Speaker 1: some reason in my mind, I just said I wanted 416 00:19:46,880 --> 00:19:50,320 Speaker 1: good credit. And so I understood for some reason the 417 00:19:50,560 --> 00:19:53,320 Speaker 1: value of money at that early age. When I see 418 00:19:53,359 --> 00:19:55,720 Speaker 1: your book, debt free Degree, the step by step God 419 00:19:55,800 --> 00:19:58,359 Speaker 1: to getting your kid through college with our student loans, 420 00:19:58,680 --> 00:20:01,520 Speaker 1: so all along, all my friends, you know that someone 421 00:20:01,600 --> 00:20:03,560 Speaker 1: with the prayer of view, someone with the Southern songwhere 422 00:20:03,600 --> 00:20:07,240 Speaker 1: to Rice University song, where to Perdue University? All my 423 00:20:07,440 --> 00:20:11,200 Speaker 1: thought was how could I not owe anybody? That was 424 00:20:11,280 --> 00:20:15,160 Speaker 1: my number one mission was how can I not owe anybody? 425 00:20:15,160 --> 00:20:17,760 Speaker 1: Because it was? And so what is happening is because 426 00:20:18,440 --> 00:20:20,680 Speaker 1: people don't think like that. They don't they think they 427 00:20:20,760 --> 00:20:23,600 Speaker 1: think they can just get something and then then then 428 00:20:23,720 --> 00:20:27,640 Speaker 1: whine about it. Whoa, they didn't really tell me the fact, 429 00:20:27,680 --> 00:20:30,520 Speaker 1: but nod hold on And so I see people just 430 00:20:30,720 --> 00:20:33,359 Speaker 1: won't they won't even pay dad off, and they just 431 00:20:33,480 --> 00:20:35,720 Speaker 1: walk away from Dad. They were, Oh god, I just 432 00:20:35,800 --> 00:20:39,280 Speaker 1: take the hit. And so really, if this book is 433 00:20:39,359 --> 00:20:43,280 Speaker 1: important to me to promote for you, because if you 434 00:20:43,359 --> 00:20:46,639 Speaker 1: don't start telling people the responsibility of finances at the 435 00:20:46,720 --> 00:20:51,320 Speaker 1: early age, they become horrible adults. Yeah, they really do. 436 00:20:51,440 --> 00:20:53,960 Speaker 1: And that's something that you know, set Ramsey Solutions and 437 00:20:54,080 --> 00:20:56,400 Speaker 1: myself and my team are really just passionate about doing. 438 00:20:56,520 --> 00:20:59,160 Speaker 1: Because I didn't have the education. I was just told 439 00:20:59,200 --> 00:21:02,360 Speaker 1: go to schollege to get a seven hundred credit score, um, 440 00:21:02,680 --> 00:21:04,720 Speaker 1: and you'll be successful and get a good job. When 441 00:21:05,320 --> 00:21:08,320 Speaker 1: all of my mentors from Dave Ramsey, Mark Cuban, it's like, man, 442 00:21:08,359 --> 00:21:10,760 Speaker 1: forgetting credit score, Let's just get money in your bank account, 443 00:21:11,160 --> 00:21:13,240 Speaker 1: you know, let's be just be debt free. Let's just 444 00:21:13,320 --> 00:21:15,639 Speaker 1: go after our jeams has build wealth. And we're on 445 00:21:15,720 --> 00:21:17,960 Speaker 1: a mission not just with this book, just even with 446 00:21:18,320 --> 00:21:20,960 Speaker 1: you know, we have one out of three our high 447 00:21:21,000 --> 00:21:23,760 Speaker 1: schools have our high school curriculum to where we're trying 448 00:21:23,760 --> 00:21:25,840 Speaker 1: to bring this information down to the middle schools and 449 00:21:25,880 --> 00:21:28,199 Speaker 1: high schoolers why they're in school so that way when 450 00:21:28,240 --> 00:21:30,000 Speaker 1: they graduate they know how to budget, They know the 451 00:21:30,080 --> 00:21:32,720 Speaker 1: difference between a credit card or debit card. They can 452 00:21:32,800 --> 00:21:35,400 Speaker 1: start purchasing homes at an early age. They can start 453 00:21:35,440 --> 00:21:38,520 Speaker 1: investing at age eighteen nineteen and building up the row 454 00:21:38,600 --> 00:21:41,440 Speaker 1: four one case that the roth Ira. So what you're saying, 455 00:21:41,480 --> 00:21:43,320 Speaker 1: you and I are on the same page that we 456 00:21:43,560 --> 00:21:45,879 Speaker 1: have to make sure that we don't owe anybody, and 457 00:21:45,920 --> 00:21:48,000 Speaker 1: we gotta make sure what it's getting this information out 458 00:21:48,080 --> 00:21:50,760 Speaker 1: to our young people earlier on. But it also starts 459 00:21:50,840 --> 00:21:53,359 Speaker 1: by getting this information to their parents, which is why 460 00:21:53,400 --> 00:21:55,399 Speaker 1: I wrote this book, because they are the number one 461 00:21:55,440 --> 00:21:59,040 Speaker 1: influencers in their lives. Absolutely, Anthony states, that's Anthony who's 462 00:21:59,040 --> 00:22:01,160 Speaker 1: speaking on the phone. State. There are three main ways 463 00:22:01,280 --> 00:22:05,720 Speaker 1: to pay cash for college, saving money, finding money, and work. 464 00:22:06,320 --> 00:22:08,920 Speaker 1: And that's what this book amounts to. And also putting 465 00:22:08,960 --> 00:22:12,280 Speaker 1: forth effort and realizing that look at look at your future, 466 00:22:12,680 --> 00:22:15,480 Speaker 1: post graduate, look at your future, not at the moment, 467 00:22:15,680 --> 00:22:17,560 Speaker 1: but down the line. And I think that was a 468 00:22:17,680 --> 00:22:20,560 Speaker 1: natural thing for me that I picked up along the way. 469 00:22:20,880 --> 00:22:22,399 Speaker 1: And so if I could figure out a way to 470 00:22:23,080 --> 00:22:26,280 Speaker 1: not spend money on the bigger picture, spend money on 471 00:22:26,400 --> 00:22:28,840 Speaker 1: the smaller picture, which will get me to the bigger picture, 472 00:22:29,280 --> 00:22:32,800 Speaker 1: I understood that victory at hand, and now I'm not 473 00:22:33,359 --> 00:22:34,879 Speaker 1: I grew up in the era where I wasn't not 474 00:22:35,000 --> 00:22:37,360 Speaker 1: driven by social media. I was not driven you, No, Hey, 475 00:22:37,760 --> 00:22:40,280 Speaker 1: I was when I was born at rotor Ridale telephones. Okay, 476 00:22:40,640 --> 00:22:42,840 Speaker 1: so that's when. That's the era that I've lived through. 477 00:22:42,880 --> 00:22:44,800 Speaker 1: And I've been fortunate to live through all these different 478 00:22:44,840 --> 00:22:48,600 Speaker 1: breaks of technology to know that the system that I 479 00:22:48,720 --> 00:22:51,560 Speaker 1: lived under works today. And that's what you have in 480 00:22:51,640 --> 00:22:55,000 Speaker 1: this book, Anthony, I really really this is a book 481 00:22:55,000 --> 00:22:58,480 Speaker 1: I'm recommending. And um, and if you come through Atlanta Police, 482 00:22:58,560 --> 00:22:59,680 Speaker 1: let me know in your book to it so I 483 00:22:59,720 --> 00:23:01,760 Speaker 1: can come and buying see you and uh tell my 484 00:23:01,880 --> 00:23:05,800 Speaker 1: followers to come by and buy your book or buy 485 00:23:05,800 --> 00:23:08,760 Speaker 1: it online. But you are you got something, my friend, 486 00:23:09,040 --> 00:23:11,800 Speaker 1: and you keep winning me. I appreciate you, man, I 487 00:23:11,920 --> 00:23:14,240 Speaker 1: really appreciate the opportunity to share this message. And I 488 00:23:14,320 --> 00:23:15,800 Speaker 1: love what you're doing too. Man. Thanks for all what 489 00:23:15,920 --> 00:23:18,280 Speaker 1: you're doing for our people, in our culture, in this 490 00:23:18,520 --> 00:23:21,080 Speaker 1: entire world. Well, many main conversations about you. You know, 491 00:23:21,119 --> 00:23:23,040 Speaker 1: if I don't have I would tell people that saying 492 00:23:23,320 --> 00:23:26,800 Speaker 1: make America great again, it starts with individuals like you, 493 00:23:27,400 --> 00:23:30,480 Speaker 1: and it starts with saying that individuals like us people 494 00:23:30,480 --> 00:23:33,720 Speaker 1: will color have value. And if you don't promote the 495 00:23:33,920 --> 00:23:37,480 Speaker 1: value of a process, then guess what you're Then you'll be. 496 00:23:37,880 --> 00:23:40,479 Speaker 1: A different picture will be painted about you and uh 497 00:23:40,600 --> 00:23:43,040 Speaker 1: as you toured this country as I've toured it many 498 00:23:43,119 --> 00:23:45,800 Speaker 1: many years, and I will continue tour in the future. 499 00:23:46,320 --> 00:23:49,440 Speaker 1: Different shades will allow people to think of you differently. 500 00:23:50,280 --> 00:23:52,359 Speaker 1: Mr O'Neil, thank you for coming on my show. I 501 00:23:52,440 --> 00:23:54,879 Speaker 1: will promote this book. Tell your crew to send me 502 00:23:54,960 --> 00:23:56,520 Speaker 1: some banners so I can put on all my social 503 00:23:56,560 --> 00:23:58,200 Speaker 1: media and we'll keep winning.