How She Built a $100k Net Worth on a $40k Salary 🤯: An Inspiring Story
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- Опубліковано 19 лют 2023
- In this episode of The Table With Anthony ONeal, Shay Simmons joins to talk about her journey from being in debt to achieving financial freedom. She shares her experience of going off to college as well as the financial principles that helped her get out of debt. Shay also discusses the importance of knowing the basics of numbers when it comes to your finances, budgeting, and focusing on what makes you happy. Lastly, she shares tips on building wealth and making smart financial decisions, such as living within your comfort zone and strategizing for the future. Tap in to learn how to get out of debt and become financially free!
Mentioned On Today's Show:
🤝The Personal Brand Masterclass: anthonyoneal.com/masterclass
🤝Bethel Tech: anthonyoneal.com/bethel
🤝Shay Simmons: / thefinancialtherapist_
Checkout My Network Partners:
🤝BetterHelp Therapy: anthonyoneal.com/betterhelp
🤝 Churchill: www.anthonyoneal.com/churchill
🤝 Better Help: anthonyoneal.com/betterhelp
🤝 Aura Identity Theft Protection: aura.com/anthony
My Online Course For Singles:
💻 The Singles Blueprint: blueprint.anthonyoneal.com
RECOMMENDED Reading
📔 Debt Free Degree: amzn.to/3jA8GfR
📓 Destroy Your Student Loan Debt: amzn.to/3uG5wNQ
📓 Essentialism: The Disciplined Pursuit of Less: amzn.to/37iUUf1
📘 The Ruthless Elimination of Hurry: amzn.to/3uEiKdW
🎙 Listen to the show
iTunes: apple.co/2Wb2FhG
Spotify: open.spotify.com/show/1DnGlzL...
GET IN TOUCH
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Connect with Shay!
Instagram: / thefinancialtherapist_
Connect with Me!
Instagram: @anthonyoneal
Facebook: @anthonyoneal
Who I AM:
Hey, fam! I’m Anthony and I’m here to help you discover your authentic self and achieve spiritual, financial, and mental freedom. I know what it’s like to be in debt and homeless - I’ve been there. But with the grace of God, I was able to turn my life around and I’m now helping others to do the same.
Join me on my UA-cam channel and let’s start this journey together. I’ll share my experiences, tips, and tools to help you achieve success and become debt-free. Plus, you can follow me on Instagram @AnthonyONeal and visit anthonyoneal.com for more resources and help.
Subscribe now and join the AO fam! Let’s get to it!
Have A Questions You Would Like Asked On The Show:
Tweet me @anthonyoneal or email me at anthony@anthonyoneal.com. If your question is long, I might not read it, just being honest. 😁
Disclaimer: Some of these links are affiliate links, which means I may get a commission if you purchase. However, none of the fees of these resources have been increased to compensate me. In fact, many of these have given me special discounts that I get to extend to you! 😉
My mother never work over $500 week when she came to this country,she retired at 50 now past 6 years ago leaving my sisters and I with $7 million Estate in Brooklyn NY ….with that being said it’s not how much you make it’s how you manage your money. We thought all our kids how to manage money. Second we never push our kids out of our home . They leave when there are ready to buy a home.
The kind message I need to hear.
I love this! And that’s my plan with my 16 year old. I want her to have good footing when she leaves home. Unfortunately, I had poor money management but these videos have inspired me to do better. They have taught me that while tithing is good and right God will bless me according to how I manage the 90% he leaves me with.
That last sentence is key! That is literally FBA's problem. Kicking your children out at 18 without proper preparation is trauma. I'll never forget my DAD telling me on my 16th birthday I had to be out by 18.
I'm inspired, thanks for sharing.
Facts
That’s my best friend y’all! Love you Shay! And I’m so proud of you!! ❤❤❤
Brains and Beauty!! If it weren’t for her I wouldn’t have been motivated to buy my first property!! She’s the real deal. And no she didn’t pay me to say this 😂
I love these types of conversations. Budget talk, credit scores, and debt elimination is my love language.
❤
Facts 💯
Me too love this stuff and I’m just learning 😅
This is the first guest that I looked up that has realistic prices to get help and information from. Thank you for not charging $1000+ for your wisdom ❤
I watch several YT videos on how to trade in the stock market but haven't made any headstart because they are either talking some gibberish or sharing their story of how they made it, I have made huge mistakes in the past and I do not want to make mistakes by taking risks in my own hands again.
@@georgecooper762 Hi, no I haven't do you know any or can you point me in the right direction?
MARGARET ANN WARNKEN is one of the best brokers I know, she grows my portfolio to a hundred thousand dollars plus from almost nothing. All thanks to her.
@@jeremybowen-ot9ww Thanks for sharing, but have you made any profit whatsoever?
@@georgecooper762 Thanks for sharing.
I wish I had someone in my life in my 20s and 30s to teach me this 🙁
Me too, but it's never to late to start...I'm in my 40s and I'm excited being on this journey...go for it and never give up...we all got to start somewhere, young or old.
It's not too late...
Same here.. I'm 52 and was never really taught about financing and investing in stuff with that nature but I'm doing a lot from the past 2 years
Good luck and God bless everyone on Here for trying..we'll All make it..just hang in there...I'm single hoping to be married again.. having a partner will probably make my journey a little easier soulfully mindfully and financially
50's.
Anthony, please bring someone on your show who leveraged the experience and education they received in the military. People always assume when you go into the military you're only doing grunt work. There needs to be a balanced perspective. Proper exposure is key.
I like her tactic…I’m planning to quit my job this year and it will be a significant decrease in pay. However, the only debt I’m dealing with is student loans - which will be waived completely next year as long I’m in a government or non-profit job. I am not flashy and I’m into practicing minimalism in order to travel and see other places. A lot of people can’t understand my thought process, and I’ve stopped trying to explain, but it is MY journey that keeps me content ❤
To manage investment risk, consider maintaining a broad diversification of your investments that reflects your personal risk tolerance, time horizon, and the nature of your financial goal. Remember, diversification is an approach to help manage investment risk. It does not eliminate the risk of loss if security prices decline. Because investing can be complicated, consider working with a financial professional to help guide you on your wealth-building journey.
Hello, Who would you endorse? I've been in the shadows for too long
@@christinaryan9554 My consultant is *MARTHA ALONSO HARA* look her up online if you care for supervision.
Thanks for sharing, reluctantly copied and pasted her full name on my browser, her page appears top! quite impressive beyond expectations, really find this useful..
This is the best episode so far!
She was down to earth with the basic math!🙌🏾
Shout out to her for winning with money!
Happy Presidents Day 2023. I am binge watching "The Table With AO" it's not a day off, it's a day on for knowledge.
Yo!! Love this episode especially when she speaks on SIMPLE numbers. I need tryna tell people this ALL the time. It's legit SIMPLE MATH 🔥🔥🔥🔥🔥🔥
This was a great show. It’s not realistic for everyone to make a million a year right away so this gives hope to be worth it! 🎉❤
Overall, LIVE BELOW YOUR MEANS! It's the inflation folks! Stop trying to compete and compare your worth with folks on Social Media. Save your money. Spend wisely (wants vs needs). Coupons are your friends. Work smarter, not harder!
I also fell for the same thing. Im now in a lot of debt after getting my Bachelor's Degree. Now wanting to get my Master's. But don't want any extra debt. Her story happens often. So glad you are talking about this.
I'm glad she shared her mistakes and her wins.
For her to be so young, she is dropping em gems! Speak the truth! I am definitely following her because she is not like the rest. Not flossy. And she is educating you instead of telling people what we wanna hear. I am will definitely be following her because she is wise beyond her years! You go girl!!!
Absolutely loved this episode!! Very open and transparent.
The conversation flowed and major gems were dropped!!!!
The majority can relate to her.
Bring her back!
She preached without a MIC!!! Because some people just look rich! You can buy rich but you can't buy wealthy!!!
This is a refreshing conversation. Probably the most relatable take on finances, management, and understanding expense vs income
Such a great interview. So realistic! You two also have great chemistry and possibly crossed paths before.
💯 percent facts. “Work smart”. Nice to know I am not alone with this mindset
This episode was AMAZING! So relatable and the concepts were broken down for everyday people. I feel like she could be one of my friends. So inspirational ❤🙌🏾
Great guest, great information and transparency. Thank YOU
"You don't have to make a lot of money to have a lot of money"!!!! Come on now sister!!! All of this hustle hustle hustle and for what? Use wisdom and live comfortably...it can be done.
Wow, this is validating. I’ve been thinking this and I couldn’t say it how she says it. I live with 44k with 2 kids and I’ve traveled 3 times in the last 4 months, and one was out of the country.
She is so transparent and i love it girl.
It is really all about being happy and not impressing.
Exactly I love that she pointed out that the goal is to not work harder but smarter #Softlife 💕
If sensible was a person!! Smart personified
Totally agree! LOL
Heck no. Her story was lacking basic common sense. Who joins the military and doesn’t let them pay for college?🤯🤯🤦🏽♂️🤦🏽♂️🤷🏾♂️🤷🏾♂️
This has blessed me. Learn to maximize what you have!
Yes, I'm following sis! Definitely looking forward to learning from her!! 😁💯
She’s talking my language!! I need her in my life!!
Anthony, great interview, very informative, hopefully this episode and all the others you have done will help people live their lives stress and debt free. Another example if we apply ourselves what we can accomplish.
Wow! Awesome guest and great message and wise financial advance Anthony.
Great show she is very transparent about finances. I like how she think about her moves and her moves are more stragic.
So good. Love her transparency
One of the most heartwarming episodes since you guys started
Beautiful lady, intelligent, good perspective
She's a smart woman with a solid plan! Inspiring!
This was definitely one of the best episodes
Love this !!!
Love energy and it’s what I needed. Timely.
I really enjoyed this episode. Funny, motivating and educating.
This interview is so inspiring!
Thank God for this channel. God bless you Mr. A.O
I discovered your channel September 2022 while I was on sick leave and you have really inspired me on my debt free journey. Back then I was in 5,600 debt. Now six months later I only have $1360 to go. I paid off $3500 two weeks ago using money on my back account that was being held by the same institution which I had no access to because if the loan so I thought what if I could transfer that money to pay off the loan...I made a phone call and yup it could be done so I went in. I was left with 300 in my savings account but it feels so great to be free of that debt.
I'm so excited that I can't wait to reach my emergency fund and investment Level
Thanks again and God bless you and your team.💖🤗
Golden right here, what she said about credit was spot on at 14:39 - 15:02
Great in interview. Go Shay!!!
Thank you for having Ms. Simmons on your show and thank you, Ms. Simmons, Ms. Simmons for sharing your journey with us all to be able to learn to make financial decisions that make sense based on the numbers. God bless you all.
Her story made NO sense🤯 Go back and really listen to her story. Please do not take advice from her.
@SS S Respectfully, I take what's useful for me and disregard anything not helpful. If you didn't find anything that struck you, cool but please do not tell me what you think I should do. I have always done what's best based on numbers and other key habits, that will place me in the same position soon. Be blessed.
Ok so in addition to the fact that this was extremely educational and your guest was very practical, relatable and humorous.
I actually love how you both connected with your conversation. It was amazing to see and enjoy the energy you shared.
Hi! I am really thankful for your show, this is the 3rd one I am listening to and it is empowering me… I am at a stage where I know what I want to do, have the potentials and all but direction wise… been unsuccessful ! So, I as I listened to three testimonies here ;), I am shaping my steps to get a better line up to what is the next step. Thank you and to the team and to all the ladies inspirational stories and strategies to teach and see results.
SHE IS TO BE Commended FOR HER ACHIEVMENTS NOT BADGERED FOR NOT HAVING ROLE MODLES IN EDUCATION AND CAREER GUIDENCE . MOST TIME WE ARE THE FIRST IN COLLEGE. GOD BLESS HER AND THE REST OF US❤❤❤❤❤
Dropping gems. Definitely rethinking now
Yo this was the best show yet
Loving this interview. Smart woman!
I do enjoy watching your show.
I learned something from this episode thank you.
The matchmakers are all up in here. Don't y'all realize he books the show, so he knows who he's bringing on the show. There's also the pre and post discussions that y'all don't see. Let him chose his spouse, just pray for him to have wisdom to see and hear from God.
This girl is on fire.....thanks for being real
I love this sista! Transparent, open and honest 😊
Nodding looking like a Bobblehead the whole time!! Thank you for your amazing talk!
Anthony brother she's the one for you man. Take your chance
Really enjoyed this episode. Firstly Shay's principle is sound and simple. Secondly such a small world to be liing in when the car buying talk came up.
Great show! I want to clear up that you do get TA education benefits as an Air Force Officer. The only difference is, is you extend two years after the date of your last class. Currently doing that now. My contract ended this May of this year but since I don’t finish my masters degree till dec of this year, I can’t get out until Dec of 2025
If I had finished my degree in my first two or three years, I wouldn’t have had to extend my time.
Also she could’ve done basic training for officer selects (OTS) after getting her degree… it’s 6 weeks long just like enlisted basic training.
New subscriber. I love the content
Excellent video 💚💚💚
She is a very inspiring intelligent woman! I really needed to hear this! Now I feel much better about me doing down in pay! God bless her knowledge and wisdom! I’m sharing this content with my wife
Are you serious. She lacked basic common sense.
Another great episode
DUDE!!You BETTER spend more time with her!!! Something IS there!!
😄 Everyone says this every time he interviews a woman. It's sweet.
She's so right about getting the same pay. She definitely shares my same experience when I was enlisted. Why work in the field when I can work inside and still get paid the same?
Very Inspiring.. Notes and notes and tones of Notes... THANK YOU THANK you both.......MY WHY>>> FREEDOM TO MAKE AND HAVE CHOICES.. What to do, when and how, what to give, be , have and do without asking for permission. To build generational wealth and give my children and my children's children tools to build a thriving life and make choices that impacts their generation positively.....
She can talk!! :) Dropped a lot of great gems though!!
I can relate to her experience about college. I foolishly paid 3’x the cost of college going out of state for a basic degree. It took me forever to pay off the loans. And it was a school counselor that recommended this college. Additionally, a key for helping me in buying is determining a need bw a want and doing a lot of things myself instead of paying someone else.
Come to Columbia, Anthony! Plus, I wanna come to your show. 😁
Thank you Creator, host and guest🙂.
I was deeply impacted by the word in closing: operate within your assignment. It brought me to the later part of Genesis 26, where a well was called room enough, indicating that there is spaciousness.
There is space enough for me to operate within my assignment when I do what I really want to do and the same goes for you Beloved Ones🌻
She's the one Anthony, make a move boy!
That's what I was thinking 🤣
Shes it but he ain't.
I don't think she's the one for him. The personality will be an issue later.
Y’all say this about everyone 😂
@@Hyriam09what do you mean by the personality?
I like this girl she is speaking facts it makes so much sense ❤
I agree with her, Guidance counselors are not what they used to be.
She reminds me of myself SO much !
Great information & great content 🎉🎉💕👑🙌
Wow she was a gem 💎
She truly was!
Excellent!! Very smart young lady!!!wow
Military especially if your 18 is a great start. Gets u college credits you could easily bet a associates. And save some money to use your benefits like va loan.
Maybe it’s just me but after watching the interview, I still don’t understand how she achieved her worth. There was a lot of come sense being stated, but what exact steps did she take?! I heard she paid off debt, she worth 6 figures, and doesn’t work; I’m so confused…
No debt and her home
Yup
I agree. I was listening for the actual steps (e.g. saved 40% of income etc.). However I still learned from this discussion.
She didn't buy her first car in college either. She never lived beyond her means. She always lived below.
1. She had no college debt=military benefits.
2. She bought and paid off her house. Property is probably now worth in the high six figures=equity(she's worth six figures, i.e., her assets). Look up home equity!
3. She's an entrepreneur as a financial therapist(you hear her talk about the clientele she works with) and set her own schedule = She doesn't work for anyone.
4. Is debt free= very little debt.
5. Lives below her means = doesn't spend on extravance(doesn't flex on social media, no expensive car, etc).
6. She's on the show to sell her product while dropping some gems.
Goldsboro represent! Too good
She’s my spirit animal
Love the episodes, especially with the ladies. I want to ask: Where do I start when looking for a financial advisor?
Edward Jones. That’s who my advisor is.. I’m loving the progress!!
She absolutely smart, learning alot from her
I enjoyed this show . But you both got got me when she spoke where she lived and the possibility of Anthony selling the car. Sounds like beginning of something for you two....😊😊
Amazing
AOOOOOOO (I’m in charlotte) I might have to run that Columbia,SC play sir thank you!
Hunni out here speakin 🗣🗣
Great Video!!
Goldsboro, NC is literally DA COUNTRY in every sense of the word. Lol
thank you
It mite have been a basic degree but she went to college and it was all part of her path
🤦🏽♂️🤡
This is my favorite convo AO. I can’t be on board with promoting the rat race that you usually see on SM. She’s my type of “influencer” and I’m biased because we’re both flygirls. I love the way she thinks. I’m going to enjoy life. It’s truly a marathon, not a sprint. Btw she seems like a good catch AO😉
The fact that they are talking about my home state and I know where they are referencing lol😅 hilarious! 😂
I'm not gonna say she's the one BUT I hope they go on a date and something could possibly blossom ❤️🙏🏾🥰
Overall, inspiring interview! Gave me a new perspective!
I agree she’s a keeper
Girl ….her & her nails honey 😂❤ 💅🏾
My type of woman, this is so inspiring
I am bugging because I’m originally from Goldsboro, Nc and I definitely seen you at deacon jones years ago. I tell anyone that you can definitely save money in the Carolina’s and live the way you want if your strategic.