She is $211k in Debt & Has a Crazy Plan to Be Debt Free Soon! (DO THIS NOW)
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- Опубликовано: 29 ноя 2022
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Who I AM:
Hey, fam! I’m Anthony. I’m fired up about meeting you where you are in a real, relevant, and relatable way. Here on this RUclips channel, we’ll be having honest conversations about finding our authentic selves by living life based on spiritual, financial, and mental freedom. At the age of 19-homeless and deep in debt-I turned my life around by becoming debt-free, and I decided to spend the rest of my life helping people avoid the same money mistakes I made. Today, by the grace of God, that’s what I’m doing every day with AO Enterprise. You can rock with me on Instagram @AnthonyONeal or online at anthonyoneal.com.
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![CENTRAL CEE - GEN Z LUV [VERTICAL VIDEO]](http://i.ytimg.com/vi/VIbidJm9q34/mqdefault.jpg)
Stay encouraged. I will make my final credit card payment of $7k next week... I have paid off $60k in credit cards and student loans in 4.5 months... sometimes you gotta do unconventional things (like working two full-time jobs)... but if you want it bad enough... there is nothing that can stand in your way. Create options!! Achieve financial freedom. In 34 more months, I will be able to semi-retire... at the age of 47. I'll be working because I want to... not because I HAVE to... Baby Step 7... I'm coming for you!
What is your occupation??
Congrats Lisa!!!! That's awesome and encouraging. My last cc is 7900. You've just motivated me Knock It Out!!!!!
I’m inspired! I’m tired of cc debt. Ready to be FREE!💰
😢 Thems is double dipping on you. :(
My wife never told me she filled for bankruptcy! Should I be mad? I found out the hard way!!!!!
She is my story, just because you are single and don't have children doesn't mean you are rich. At 55 I'm starting a new page, FINANCIAL FREEDOM!!
I'm older than you, 67, Starting Over AGAIN
Me too at 53! We got this.
41?! She could have told me she was 25 and I would have believe her.
92K in student loan debt discharged by the military. I’ll forever be grateful!!! Thank you God, thank you Veterans Administration!!!
Is it too late to join the military at 40? LoL. CONGRATS!!!!
I try to tell young people that the military is a great way to go!
@@waltonjones5411 Only for long enough to get a high paying certificate or associates. There’s no point in even pursuing a BS anymore. Get an IT certificate of sort and grow with some company’s internal certification scale from there. Remember, as of 2017, there is no more paid for life after 20 years. So these entitled kids have no incentive to enlist anyway. Sign the bae minimum contract that you can, preferably reserves. Get a high paying 9 or 10 month certificate like something IT or AI then GET OUT.
@@waltonjones5411 *bare minimum
@@divatemple2245 Come on, now! 🤣🤣🤣
just here to update that as of yesterday, Nika announced that she is officially DEBT FREE🥳! let’s pls take sometime to celebrate her!!!
stay inspired y’all! let’s pay off this debt in 2023!!!!
Also thank you Anthony for bringing this story to light🙏🏾
Amen!!!
Congratulations 💕
I'm literally just getting started on making financial adjustments. I got rid of my car for a less expensive car and my family thinks I've lost my mind. This journey isn't easy so far but I want financial freedom.
Block out the noise and go for it!
So proud of you Arial! I sold my beautiful Mercedes Benz and purchased a used Hyundai Tucson with cash! I now pre-pay all of my monthly expenses (electric, gas, cable, HOA, etc) for the entire year! Thankfully, because of this decision, I have been able to become a Sole Proprietor of my LLC! 🥂
I had to walk out of work crying after watching this video. I just started my debt free journey with over 200k in debt😢. I trust this journey will make me stronger and show my children anything is achievable. Thank you
You can do it!
You got this!
Monique, what’s important is that you’ve started! Keep going, you’ll get there.
Amen
You've got this, Monique!
Dave Ramsey is the man. He got me to work hard and pay off my home in 6yrs.
Now my stress level is low.
Facts! I’m in Tech with my MBA. Paid off $200K in student loans and consumer debt all as a divorced single mom. Love Nika and Anthony! ❤️
Im following that same path. What was your experience after you earned your graduate?
@@ericmack596 congrats! Better pay and more opportunities for sure. Wishing you the best.
You are a warrior ❤️ 💪💪💪
@@MomsMoneyMindset Did the devoice help?
@@mmp495 thank you 🙏🏾
“I made decent money but had nothing to show for it…. Every time I got paid, I owed someone”.
So simple yet so profound IF you apply it
@whatappme3926 help me
First thing u need to do,whenever u get paid, pay urself first, but aside a little money 💰 in savings.Before u start paying any bills.
Thanks AO for interviewing someone who's working on her debt. This is real life. She's a very intelligent woman and like she said she's been through a lot so God allowed those previous hardships to make her strong enough to be able to handle anything else that comes her way. Great story!
Powerful!
@@anthonyoneal Soo true and a lot of life lessons, you earned a New Subscriber. 🙂
Yesss 🙌🏾🙌🏾🙌🏾 I applied for public service and made it before the deadline. I had owed close to $200k in debt. I’m hanging at around $88k with more to be cut.!
Her light is radiating, that’s why she has so much joy! You can see it all on her face! Pray Jesus blesses her!
Thank you so much! 💜
This is most ppl in our generation, she is just brave enough to admit it .
I’m 14 cards deep, no crazy debt
I'm 20k in debt and I'm already freaking out. Can't even begin to imagine 200k in debt.
Me either. I'm the same 20k in debt not only cyan I imagine being 200k in debt, but I can't even get anything or do anything with 20k debt. How is it possible for this type of debt?!
@@torreforeal8005 I saw this late but it depends on where your debt is located. Mine was spread over few cards so I got a personal loan and paid them off and now just pay on the loan. My score went up 150 points after that lol.
I got 95k forgiven through the PSLF program this past September! 10 years of headaches dealing with the program but it’s over now and I can now live life on my terms! So grateful!
Congratulations!
Congratulations! I have been trying to get mine forgiven too.
I work for a hospital I wonder if I can get some forgiveness. 😢 I did apply but heard nothing
PSLF Program? What does that acronym stand for..
I needed this episode. Don’t have that much debt, but everything from having options to being able to support my family more. That’s all I want
I agree
Updates?
My three favorite channels: The Table With AO, Stock Brotha, & Earn Your Leisure. Make my week complete!
Thanks for sharing that! A couple new ones for me to go check out!
Thank you Timothy Robins for the information 🙏🏽🙏🏽🙏🏽
Check out Social Proof also. 🔥
@@sherronfinney3767 Yes! Luv Social Proof!
My loans were forgiven a couple of months ago under the Public service plan. I’m so grateful!!!!
Who is eligible for the public service plan
@@jhakagartrell7612 non profit workers.
Congratulations 🎉
Mine was forgiven as well under the Public service loan as well!! $34k I’m so grateful. That was most of my debt besides my home loan…..
So weak when AO said going on vacation was with the church going to six flags. That was same for me growing up. 😆
She looks INCREDIBLE at 41. Wow
Great story! Always good to hear people who are going through the process. Currently on my debt free journey, I have 75k left not including my house and I plan to knock a good majority of this out by the end of next year. I've already knocked off 32k so far.
Congrats on the 32K off
@@enhancedsimplicity9708 thanks! ☺
And why didn’t you consider bankruptcy?
@@MsKekeTheOneAndOnly maybe students loans...and why not even try to pay off your debts?
Keep going! The other side is amazing!
This young lady sounds exactly like I used to be. I am so proud of her willingness to be the example that so many.
I'm here for the journey! Thank you for bringing someone to the show who is still in the process!!!
The way this has hit home. There was no coincidence that I came across this video! THANK YOU 🙏🏾🙏🏾
Real talk. This was a very personal segment, really hits home. Thank you for having this.
Real talk... i like hearing the tough stories during the process!
It’s good to see an interview finally with someone who is going through the process 🙏🏾
I love this one. Thanks for bringing this on. I am so proud of her.
This video is SMART on his part for... having RANGE shows all sides ... those currently in the process and those who made it out... this will grow his audience
Extremely inspirational and encouraging.
I am so pleased that at last we could hear the experience of
someone who is still going through the journey of Debt freedom and was so transparent.
Great interview.
Thank You 👏🏾👏🏾
Thank you for bringing someone still on the journey..... she's honest and optimistic about it.
These IRS interactions are on the real! Thank you for sharing and shedding light on how our attitude towards money should change. It's hurtful to work and hand the money over to others after receiving the check. Ugh!!! We all deserve options!!!
It’s about time you had someone in the process of their debt reduction journey!!! Thank you Anthony
Wow!! I totally can relate to this Video!! Thanks so much for sharing and being transparent!! ❤❤
I had to watch this twice! I wrote down my total debt and it is quite scary! I feel her story is definitely my story. Thank you!
Amen sister, The furloe gave you 🔥, I feel your pain and pleasure. Every time a negative turn happens, something positive comes back. Thank you for being you and transparent bless you both. This was needed Amen
I am enjoying AO shows! Have a lot of information for successful people!
Your guest story and smile is captivating! Loved this episode🎉
This was such a good conversation!! Please bring her back. I resonate with what she's saying about debt and student loan sentiments...and lifestyle creep is a real thing. Unfortunately I don't work in the public sector to take advantage of those benefits 😕 but am working to be debt free, too!
Man!!! I needed this show! I need to hear about someone who is in the thick of it! Just out here trying to increase income, serve my higher power, make an impact on the world and be at peace one day.
Thanks I loved this one! Thank brothers & Sista for dropping that info
Love this! Her transparency is very ENCOURAGING
Great conversation AO❤ I shared it with my family🎉
Love to see the other side!🙏🏾 I have student loans from law school that I am tackling now😢😢😢
Thanks you, this was very inspired and I feel it in my bones. 👍 yes this was a good video and remainder stay force.
AO, this has been the most relatable interview I’ve come across. That 35-day furlough Nika talking about was my FIRST furlough and that was when I realized a government job AIN’T secure. As soon as I reach my 120th payment in the Public Student Loan Forgiveness (PSLF) Program, I’m going to be 100% focused on my side hustle becoming a full time hustle. Thank you so much for this interview! ❤
So much fruitful info that came from this segment ❤
Real life debt situation. This is a great episode
Thank you for this video!! Its very stressful tryin to pay off all these bills when u still have eveyday life struggles to deal with! I needed to hear this! We definitely need to have more of our hard earned💰 back in our pockets and not thrown out the window🖤
This is an amazing conversation and so inspirational, thank you for sharing.
Thrilled that SHE has a judgement-free approach. All the best to her.
BLESSINGS TO BOTH OF YOU ,THANK YOU FOR EDUCATING US 🙏🏽👑👑🌹🌹♥️♥️🙏🏽BRAVO! 👏🏽👏🏽💥💯
Home ownership doesn't build wealth unless you can afford the maintence.
Some of the projects you can do yourself. RUclips is the way to go. Some things you can hold off on until you save enough to get it repaired or replaced. Everything doesn't have to be done "RIGHT NOW" don't let the neighbors or family have you thinking you're the Jones's. Sometimes neighbors had the same issue and can help you with the issue.
I just discovered AOs channel. I watched him on Dave Ramsey years ago. That is so great he’s back on his gm feet after his firing from Ramsey solutions
Good for her and for those of us working ours plans so that we see that light at the end of the tunnel too!!
I'm so glad you brought her on. My situation is so similar to hers. The only difference is I'm 33 and I have 3 kids. I have 103k in debt and more CC debt than my car. I have my student loans under the PSLF program as well. This gave me so much motivation!!! Thank you!!
Being in debt is no joke. I am pushing towards owing no one. Nothing is worth me being in debt. I am over it. Final goal is to pay off my house. Just paid off 3 cars. and a CC. Now on to the next one. 🏎🚚
Been a follower of Debt Free Gonna Be for a little over a year. Love Nika!!
Thank you for being here with me Kimberly!
Her being joyful keeps her looking dam good wrinkle free and smooth. One can see that joy from deep within
Thank you for sharing the table with me AO! 🙌🏾💜
Thank you both for bringing this interview to us. I love your transparency!
Amazing testimony. Realness and relatable. I love her . Thank you both .
Thank you for watching!
Love the open, honest, and REAL discussions. The vulnerability is first class! Keep pressing Ms. Booth, I'm rooting for you!! I hope you come back on the show when your remaining debt evaporates so we get the part 2! Bless up.
When they look like you it hits differently motivates you and keeps me focused thank you Nika I needed to hear this today Greetings from the 🇬🇧
I absolutely 💯 loved this!! I Thought I was the only one who forgot to go back in and change that W2!! The irs definitely don't play with their money!!! This was so encouraging to me, and this woman is in much more debt than I am, and it gets so depressing sometimes because I want financial freedom, but just don't know where to start!!! So glad I watched this!!!
Yes I did the same thing and they came back and got me 2 years later 😅
Great show once again..glad she’s heading in the right direction her energy is such a plus
AO - so glad you put this young lady on your platform that is ON, during the journey, not at the post debt free journey. I "liked" at your opening. Thank you!!
Kudos to her for educating you on DC....I am not a fan of DMV term. It's DC!
I'm still trying to figure out how she overcame her credit card debt🤔 We need a part 2 Anthony..lol
21:00. All of her student loans will be forgiven, so she can put the extra money into her credit card debts. Working for the gov't or public service has great benefits for those with high loans.
Also, please look into Borrowers Defense, if you can. A lot of for profit schools are on a list, having committed fraudulent practices, and you may have an opportunity for repayment
Thank you Anthony for interviewing this sister. She is me and I needed to hear this. I just don’t have the amount of credit card debt mine is student loans. I’ve picked up another job to get this debt paid off.
You say you want the freedom, YOU GO TO DO THE WORK!! *proceeds to apply for a second job to make money to pay off my debt as fast as possible*
This episode was right on time. Thank you!
I’ve been skipping this video for a couple weeks. She is me. Omg this is me. I have to fix this mess I’ve created.
This is good! I am going through the PSLF program currently. The only thing she said incorrectly was, you don't have to work 40 hours, you have to at least work 30 hours, but your company has to consider it full time. Your loans has to also be direct loans as well.
I’m so proud of you sis. And you brother. I love seeing my black people persper
*Your act of Kindness and the way you render your service shows that you are a professional in what you do. Please how can I build passive income ?*
Investing without the right information or guide is a very dangerous move. I am glad I sought help from a Financial Planner(Donald Nathan Scott) before I began investing. I am currently earning from my investments he manages.
I made countless losses on my investments until I read of *Donald Nathan Scott* in a RUclips post six years ago. I am very pleased with my returns working with this *Financial Adviser* and would recommend his services.
Loved this interview this gives me hope 🙏
I really like this woman and how she has come across throughout this conversation, very intelligent and love her attitude plus her skin is flawless, stunning!
Thank you so much for this episode. I just discovered that the independent schools where I've worked since 2005 are eligible under the PSLF program! I never knew that. I have completed my application and I am waiting for verification from the schools. Thanks again!
Thank you for this episode. It is so encouraging to me.
Debt is the ball and chain we carry around. I still owe too much but trying to get out of this mess. 😢
I'm in a similar situation now! The credit card cycle!!
This chic is beautiful. Thank you for this information. AO thank you for investing in your people!
This was one of the best interviews because it showcased someone who is going through the debt free journey that speaks to so many people who is going through some of the same hurdles that this beautiful intelligent woman has endured. Thanks AO!
But is she really? From what I heard, she doesn't have anymore debt to pay off. Her remaining debt is about to be forgiven.
This entire interview was just a conversation without any advice on how to do what she was "doing." She never mentioned how she got out of debt only that her student loans would be forgiven.
So glad I found your channel. Relevant information!!
You are soooo humble!! And I loveeeeee your advice 😆🙏🏾🙏🏾
Great episode. Encourages me to keep on pushing. 👏🏿💜💜
Great to see AO grow on his own
This is great !! Authentic and real
I love her. This is so encouraging. Thank you Both
This is so on time! Purchase a home, now looking for financial freedom.
Thank you. This was so informative and encouraging.
She is freaking amazing! Love her transparency and her energy is awesome
💜💜💜
We Love You Nika, Your Family Is So Proud Of You, I Knew You Would Make It On Here
Thank you Ona! I love y’all more!
Thanks for bringing Nika on. I wish this episode was longer but I definitely learned a lot.
💜💜
It was meant for me to watch this, thank you ❤
Great information and can't wait to explore her content and resources. Side note - she is gorgeous!!
Aww thank you so much! 💜
Thank you for sharing your journey 🙏🏽.
I know all about Highway 76 in Cali 🤣👏🏾.
Yes, work permits are still required. My kids started working at 15 and needed them. The high school even processes them. We live in the DMV area. Also this is an awesome and inspirational interview. Thank you both.
Congratulations Lil' Cuz! I couldn't be more proud!🙂
Thank you Reena! 💜