Uploaded August 2026 | Updated September 2026, 2 weeks ago
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You could hand two people a million dollars and one of them would be broke again within a year. The other builds a legacy. The difference has nothing to do with luck.
Anthony O'Neal, author of Stop Living Paycheck to Paycheck, walks through the five phases that took him from borrowing money for car speakers to building a real estate portfolio he pays for in cash. He breaks down why 48% of people earning over $250,000 are still living check to check, and why your credit score might be lying to you about your actual wealth.
This conversation gets honest fast. You'll hear what it actually felt like to write a will in your 30s, why his family assumed something was wrong the moment he brought it up, and the real reason his bank account resets to zero every few months even now.
There's a moment near the end where Anthony explains the difference between being rich and being free, and it will change how you think about your next raise. You'll walk away with a completely different definition of what winning with money actually looks like.
AO on Instagram instagram.com/anthonyoneal
AO on YouTube youtube.com/@anthonyoneal
Pre-Order AO's New Book: Stop Living Paycheck To Paycheck stoplivingpaychecktopaycheckbook.com
Take Your Seat at the Table: Live an Authentic Life of Abundance, Wellness, and Freedom amzn.to/49Y8PV5
Debt-Free Degree: The Step-by-Step Guide to Getting Your Kid Through College Without Student Loans amzn.to/4vvmVWf
Destroy Your Student Loan Debt: The Step-by-Step Plan to Pay Off Your Student Loans Faster amzn.to/4vs3BZY
The Graduate Survival Guide: 5 Mistakes You Can't Afford To Make In College amzn.to/4dLRCjU
Listen to this episode on the go!
🍎 Apple Podcasts: podcasts.apple.com/us/podcast/the-school-of-greatness/id596047499
🟢 Spotify: open.spotify.com/show/07GQhOZboEZOE1ysnFLipT?si=a03d916bade54d4f
For more info about this episode, go to lewishowes.com/1968
💰 get my NEW YORK TIMES BESTSELLING book "Make Money Easy" today!lewishowes.com/moneyyou
📙 get my NEW YORK TIMES BESTSELLING book "The Greatness Mindset" today! lewishowes.com/gmyo
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Lewis Howes Shorts: youtube.com/@lewishowesshorts
00:00:00 Intro
00:02:43 Phase 1: Stabilize & Create Vision
00:08:07 Phase 2: Eliminate Consumer Debt
00:16:24 Faith, Giving, and Wealth
00:24:52 The True Definition of Wealth
00:29:12 How to Be a Good Money Steward
00:33:24 Phase 3: Build a Savings Cushion
00:38:19 Phase 4: Invest With Confidence
00:44:41 Phase 5: Play the Long Game
00:50:24 Why You Need a Trust Now
00:57:07 What Financial Freedom Feels Like
01:02:12 Merging Finances in Marriage
01:07:05 The Credit Score Myth
01:11:45 Money Habits Keeping You Broke
01:17:04 Three Timeless Money Truths
Put ChatGPT to work on your most ambitious ideas and projects.
T-Mobile 5G Home Internet. T-Mobile.com/HomeInternet
#greatness #inspiration #motivation
🔔 Subscribe for more great content: youtube.com/lewishowes
▶️ Recommended for you: youtu.be/xThhjcnQumo
You could hand two people a million dollars and one of them would be broke again within a year. The other builds a legacy. The difference has nothing to do with luck.
Anthony O'Neal, author of Stop Living Paycheck to Paycheck, walks through the five phases that took him from borrowing money for car speakers to building a real estate portfolio he pays for in cash. He breaks down why 48% of people earning over $250,000 are still living check to check, and why your credit score might be lying to you about your actual wealth.
This conversation gets honest fast. You'll hear what it actually felt like to write a will in your 30s, why his family assumed something was wrong the moment he brought it up, and the real reason his bank account resets to zero every few months even now.
There's a moment near the end where Anthony explains the difference between being rich and being free, and it will change how you think about your next raise. You'll walk away with a completely different definition of what winning with money actually looks like.
AO on Instagram instagram.com/anthonyoneal
AO on YouTube youtube.com/@anthonyoneal
Pre-Order AO's New Book: Stop Living Paycheck To Paycheck stoplivingpaychecktopaycheckbook.com
Take Your Seat at the Table: Live an Authentic Life of Abundance, Wellness, and Freedom amzn.to/49Y8PV5
Debt-Free Degree: The Step-by-Step Guide to Getting Your Kid Through College Without Student Loans amzn.to/4vvmVWf
Destroy Your Student Loan Debt: The Step-by-Step Plan to Pay Off Your Student Loans Faster amzn.to/4vs3BZY
The Graduate Survival Guide: 5 Mistakes You Can't Afford To Make In College amzn.to/4dLRCjU
Listen to this episode on the go!
🍎 Apple Podcasts: podcasts.apple.com/us/podcast/the-school-of-greatness/id596047499
🟢 Spotify: open.spotify.com/show/07GQhOZboEZOE1ysnFLipT?si=a03d916bade54d4f
For more info about this episode, go to lewishowes.com/1968
💰 get my NEW YORK TIMES BESTSELLING book "Make Money Easy" today!lewishowes.com/moneyyou
📙 get my NEW YORK TIMES BESTSELLING book "The Greatness Mindset" today! lewishowes.com/gmyo
📤 sign up for my FREE newsletter lewishowes.com/greatnessdelivered
Follow Lewis!
Instagram: instagram.com/lewishowes
Tiktok: tiktok.com/@lewis
Facebook: facebook.com/lewishowes
Twitter: twitter.com/LewisHowes
💻 Website: lewishowes.com
📲 For more Greatness text PODCAST to +1 (614) 350-3960
Get More Greatness!
Greatness Clips: youtube.com/@GreatnessClips
Spanish: youtube.com/@LewisHowesEspañol
Portuguese: youtube.com/@LewisHowesPortugues
Lewis Howes Shorts: youtube.com/@lewishowesshorts
00:00:00 Intro
00:02:43 Phase 1: Stabilize & Create Vision
00:08:07 Phase 2: Eliminate Consumer Debt
00:16:24 Faith, Giving, and Wealth
00:24:52 The True Definition of Wealth
00:29:12 How to Be a Good Money Steward
00:33:24 Phase 3: Build a Savings Cushion
00:38:19 Phase 4: Invest With Confidence
00:44:41 Phase 5: Play the Long Game
00:50:24 Why You Need a Trust Now
00:57:07 What Financial Freedom Feels Like
01:02:12 Merging Finances in Marriage
01:07:05 The Credit Score Myth
01:11:45 Money Habits Keeping You Broke
01:17:04 Three Timeless Money Truths
Put ChatGPT to work on your most ambitious ideas and projects.
T-Mobile 5G Home Internet. T-Mobile.com/HomeInternet
#greatness #inspiration #motivation
