I’m 42 years old this year, and if I could sit down with my 30-year-old self, these are the 15 money lessons I would tell him. If I had known these things back then, I’d be worth $25-30 million today. I’d be married with kids. I’d have my doctorate already.

But here’s the truth: You’re not behind. God’s timing is perfect.

Whether you’re in your 20s, 30s, 40s, or even your 50s or 60s—this message is for you. These are the lessons I wish I had learned earlier, and they’re the same reminders I hope I never forget as I get older.

In this video, I’m sharing:
✅ Why you’re NOT behind (and why comparison is killing your wealth)
✅ Why consumer debt is a trap (not a tool)
✅ Why your income won’t save you (but discipline will)
✅ The importance of investing in skills over stuff
✅ Why mental health is your true wealth
✅ How to build legacy daily (not just when you “arrive”)
✅ Why you’re never too far gone to start over

This isn’t just about money. It’s about freedom, peace, and building something that outlasts you.

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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.

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LEGAL & REGULATORY DISCLAIMER

1. No Financial, Legal, or Tax Advice
I am not a licensed financial advisor. Nothing in this content should be construed as financial, investment, legal, or tax advice. Viewers should consult qualified professionals before making investment decisions.

2. Sponsorships & Affiliate Relationships
This video may contain sponsored content and/or affiliate links. I may earn a commission if you use these links, at no additional cost to you. I only promote platforms I personally use or believe in — but you are responsible for conducting your own due diligence.

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This content is not intended for residents of the United Arab Emirates, United Kingdom, United States, Europe, Canada or any other jurisdiction where the promotion of virtual assets is restricted or prohibited.

If you are located in such a region, do not engage with or act on this content.

4. Crypto Risk Warning
Crypto-assets are speculative and involve substantial risk, including:
• Loss of capital
• Extreme volatility
• Limited liquidity
• Irreversible transactions
• Potential for fraud, theft, or manipulation
No form of investor protection or legal recourse is guaranteed. Engage at your own risk.

5. No Outcome Guarantees
I make no representations regarding the accuracy, timeliness, or results of any strategies or opinions shared. No profits or outcomes are guaranteed. You bear full responsibility for any decisions made.

6. Content Updates
Information may become outdated. I reserve the right to change, update, or remove content without notice.

7. MiCA & EU/Canada Compliance Notice
In accordance with the EU Markets in Crypto-Assets Regulation (MiCA):
• This content does not constitute financial promotion or investment advice under MiCA.
• Crypto-assets discussed may not be suitable for all investors and are not protected by any EU, US Or Canada deposit guarantee or investor compensation scheme.
• All statements made are intended to be fair, clear, and not misleading.
• If you reside in the EU, US or Canada, ensure your engagement with this content complies with local laws and regulations.

COMMENT DISCLAIMER:

I will never contact you on any platform. If someone comments using my name, shows a WhatsApp number, or tries to contact you directly — it is not me. Scammers may even use AI to imitate my voice. I repeat: I will never reach out to you in any way. Do not click on any links in the comment section or interact with anyone claiming to be me or representing me — they are scammers.

By continuing to watch or engage with this content, you agree that Steph is Crypto is not liable for any financial decisions or losses incurred.

#xrp #xrpcoin #ripplexrp #ripple #ripplearmy #ripplenews #xrpnews #xrparmy #xrpprice #xrppriceanalysis #xrpprediction

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How to identify a unhealthy business without knowing financial details.
Before making any deal with someone know the actual condition of his/her business.

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While most teenagers were worrying about high school, Caleb McLaughlin was busy mastering his taxes. The actor recently revealed that he has saved almost all of his earnings from his time as Lucas Sinclair, making him one of the most financially savvy young stars in Hollywood.

​The turning point came early in his career when he realized just how much of his paycheck went toward taxes. Instead of spending his newfound wealth, Caleb worked with his father—his financial role model—to learn the importance of budgeting and long-term investing.
​”Everyone needs to learn about finances. How to spend, save and invest… I think it’s very important to learn at a young age so you can make smart choices.” — Caleb McLaughlin

​Now a multi-millionaire with an estimated net worth of $3 million (and a reported $9.5 million salary for the final season), Caleb is using his platform to promote financial literacy for teens. He recently partnered with the banking app Step to teach his fans how to build a “financial blueprint” and avoid common pitfalls like overspending on online shopping and UberEats.

#CalebMcLaughlin #StrangerThings #FinancialLiteracy #Budgeting #MoneyMoves #Netflix #LucasSinclair #WealthBuilding #FinancialBlueprint #YoungMillionaire #strangerthingsfinale #strangerthings5

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Jeffrey Epstein was fascinated by cryptocurrency. Ana Kasparian discusses on The Young Turks. Do you agree with TYT’s take? Tell us what you think in the comments below. SUBSCRIBE today: ☞ https://go.tyt.com/ytsubscribe

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Read more here: https://x.com/JacobKinge/status/2018774972051730945?s=20

“JUST IN: Bitcoin Core developer Luke Dashjr urges Blockstream CEO & Bitcoin developer Adam Back to resign amid recently released Epstein emails showing Epstein’s involvement in Blockstream’s seed funding and Back’s links to travel related to Epstein’s infamous island.

Dashjr says this helps explain years of Back’s hostility, lies, and deception, and calls for him to apologize to developers, investors, and the Bitcoin community. ”

***

Your Support is Crucial to the Show: https://go.tyt.com/jointoday

The largest online progressive news show in the world. Hosted by Cenk Uygur and Ana Kasparian. LIVE weekdays 6-8 pm ET. http://youtube.com/theyoungturks/live

Help support our mission and get perks. Membership protects TYT’s independence from corporate ownership and allows us to provide free live shows that speak truth to power for people around the world. See Perks: ▶ https://www.youtube.com/TheYoungTurks/join

TYT is the largest online news network in the country. It presents news, context and analysis. We have dozens of on-air hosts on half a dozen major channels on almost all the platforms. We also have a live 24-hour news channel that features all our shows.

The Young Turks is the flagship show of the TYT Network. The Young Turks is the longest running daily show in internet history. We’re about to celebrate our 20th anniversary as a digital native show. We are also the first ever YouTube partner channel. So, we are the original YouTubers.

On the network, we do things a little differently than other places. We present the news first, with all of the facts and context you need, which is a rarity in commentary-heavy online shows. We then also give analysis and perspective, which is rare in traditional news.

Our commentary and perspective are almost always on the left, but we have an enormous range of opinions on the network. Hosts are allowed to think and say whatever they like. Perspectives usually range from the far left to the center of the political spectrum.

Now, our presence and range is large enough that we are adopting the tagline The Online News Network. Our longevity, our 27 million subscribers and 30 billion lifetime views allows us to make this claim confidently.

TYT emphasizes open-minds and open-hearts. We believe in fighting for the average American. We believe in challenging the powerful. We are vigilant about pursuing the truth to the best of our abilities and for always being honest with our audience. We’ve been proud to serve the internet for longer than any other news show or network. As one of the founding fathers and mothers of online media, we have always believed that digital media would become the dominant news source for all Americans. We’re thrilled that day is here and that TYT is where everyone can come to see The Online News Network.

TYT includes owned and operated and partner shows such as The Young Turks, The Damage Report, Indisputable, and more.

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#TYT #TheYoungTurks #BreakingNews

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US recession data, mass liquidations, and a full leverage flush hit crypto as institutions reposition. XRP enters the discussion as regulation, liquidity, and political signals collide in Washington.

This video breaks down US job losses, debt stress, credit markets, and crypto fund outflows, then ties it to institutional behavior, regulation timelines, and why assets like XRP matter in an institution-led market structure shift.

Timestamps
00:00 US recession signals and job market breakdown
01:12 Crypto fund outflows and market panic
02:59 Bitcoin $10K single day drop explained
03:34 Institutional liquidation vs retail wipeout
04:37 Charles Schwab on leverage flush and recovery
06:39 Credit card debt and consumer stress data
07:32 Corporate bankruptcies and credit risk
08:36 Commercial real estate crisis and banks
09:49 US debt, rates, and Treasury pressure
11:05 Institutional sentiment vs retail behavior
12:31 Regulation, Congress, and why XRP matters

If you follow XRP, Bitcoin, institutional crypto adoption, regulated digital assets, global payments and settlement infrastructure, this breakdown provides important context on where markets are heading next.

💜 Thanks for supporting the channel! Like, share, and comment if this helped clarify what’s really happening.

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🔴Full Legal & Regulatory Disclaimer
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