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How I'd Pay Off $10,000 in Debt on a $45K Salary.

The Table With AO

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At 19, I was homeless with $35,000 in debt and no one in my family who knew how to build wealth. Today, I'm giving you the exact 6-step plan that changed everything.

This isn't about making more money — it's about mastering the system most people never learn. In this episode, I break down the mindset shift, the budgeting method, the debt-elimination strategy, and the investing principles that took me from broke to financially free.

If you've ever felt like wealth is "for other people," this episode is for you.

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.

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⚠️ 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.

20 Comments

@adnanahmed5034 2 months ago

This book Power Behind Locked Door by Jacob Rockefeller didn’t just challenge what I believed about money- it challenged how I see governments, laws, and borders. It’s not a financial book in the normal sense. It’s more like a playbook for invisible leverage. After reading it, I finally understood why some people never go viral, never speak on stage, but control empires. They were never meant to be seen.

@TheLegacyCPA 2 months ago

Your gifts made ROOM for you, regardless of whose field you are in. We honor those who established the field, but as responsible believers, we are required to point the Glory ALWAYS back to God. This message is a wise example of that. And just a gentle correction. God set you apart for a defined purpose within the financial literacy space. So, you are special for such a time as this in the field you were created specifically to serve. Be well, big bro.😎 And keep shining bright.

@siam.vai13 2 months ago

Everyone wants money, but nobody wants to talk about the self-destructive habits holding them back. Endless scrolling, no discipline, zero self-control. I lived like that for a long time. What finally helped me understand how to break out of it was Power Behind Locked Door by Jacob Rockefeller. It wasn’t comfortable, but it was honest. And honesty is what most people are missing.

@aishortsfilm2.0 2 months ago

I read Power Behind Locked Door by Jacob Rockefeller cover to cover on a long flight. I couldn’t sleep after. The book doesn’t scream, it whispers things no one says out loud how the tax code is a map, how debt is a tool, how income is a trap. I landed thinking about foundations, shells, and leverage in a whole new way. I wasn’t taught wrong, I was just taught to stay inside the system

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@YourSolventUncle 2 months ago

I learned this the hard way… like embarrassingly hard. When I was 19, homeless, juggling debt and pride at the same time, I kept thinking discipline was something “future me” would magically develop. Then one day I caught myself doing the math: the average American pays 17–24% more in interest simply because they delay basic repayment steps, and I was literally living that statistic. It hit me like, “Wow… I’m out here suffering from problems I could fix for free.” The wild part is that every step that finally got me debt‑free — tracking every dollar, negotiating bills, building a tiny emergency fund, paying more than the minimum, increasing income, and refusing lifestyle creep — was embarrassingly simple. Nobody teaches this, so most of us learn it through chaos. But once you see how fast your life changes when you stop avoiding the numbers, you never go back.

@yohang2067 2 months ago

Just became debt- and mortgage-free after stumbling upon your YouTube video accidentally. I'm 58, a father of four, with three of my kids in university and the youngest, 14, making six figures. I need advice on how to start investing with $1,000/mth in the next 10 years. Any advice is much appreciated. Thx

@TamimIslam-m6o5k 2 months ago

This might sound cheesy, but I mean it. A few months ago, I stopped jumping from one video to another looking for quick answers. I randomly picked up Power Behind Locked Door by Jacob Rockefeller, and it honestly changed how I see things. Not in a fake motivational way, just in a calm, real way. I think more before reacting now. I notice patterns I used to miss. It didn’t hype me up. It grounded me. And that’s probably why it stuck with me.

@TanishaS-y7h 1 month ago

I needed this reminder.

@duannehaughton707 7 days ago

Now that my credit debt is gone, I can continue to review these channel so this never happens again and I can build long term for my family

@OneofthosePleasants 1 month ago

Yesss, you always speak truth, give knowledge but something about episodes like this just give me a virtual push.....thank you Anthony I'm sharing this one with my teenager and my father ❤