If you owe more on your car than it’s worth, trading it in may not solve the problem. It can roll thousands of dollars of old debt straight into your next loan. In this episode, Anthony breaks down how car debt keeps people trapped, the three numbers you need to know before your next move, and four practical steps to decide whether to keep the car, sell it, close the gap, and eventually break the car-payment cycle for good. He also shares how he went from making six figures with nothing left before the end of the month to building a life where his cars no longer control his financial future. MENTIONED HERE 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book 🚗Stop OverpayingFor Car Insurance: https://www.anthonyoneal.com/carinsurance Take the free Freedom Score™ assessment and find out exactly where you are: anthonyoneal.com/freedomscore ━━━━━━━━━━━━━━━━━━━━━━ 📘 STOP LIVING PAYCHECK TO PAYCHECK — OUT NOW The Escape Plan, all 5 phases, in your hands. Order + get Take Your Seat at the Table free: https://www.anthonyoneal.com/book ━━━━━━━━━━━━━━━━━━━━━━ ⏱️ IN THIS EPISODE ━━━━━━━━━━━━━━━━━━━━━━ 🎁 FREE TOOLS & RESOURCES Freedom Score™ Assessment → anthonyoneal.com/freedomscore Budget + debt payoff templates → anthonyoneal.com/tools Weekly email (money that actually works) → anthonyoneal.com/newsletter ━━━━━━━━━━━━━━━━━━━━━━ 🔵 THE FREEDOM CIRCLE™ Not another course. A financial operating system — weekly live coaching with me, monthly masterclasses, the roadmap, and a community that holds you to it. Founding membership: https://www.anthonyoneal.com/freedomcircle ━━━━━━━━━━━━━━━━━━━━━━ 🤝 TRUSTED PARTNERS These are companies I've vetted and use language I'd use with my own family. Some links are affiliate links — see disclosure below: High-Yield Savings Account → https://www.anthonyoneal.com/savings Investing → https://www.anthonyoneal.com/invest Term Life Insurance → https://www.anthonyoneal.com/lifeinsurance Car Insurance → https://www.anthonyoneal.com/carinsurance Raise Your Credit Score → https://www.anthonyoneal.com/kikoff ━━━━━━━━━━━━━━━━━━━━━━ 🎤 BOOK ANTHONY TO SPEAK Churches, universities, credit unions, conferences, and corporate events. Speaking kit + availability: https://www.anthonyoneal.com/contact 📈 SPONSOR THE SHOW Reach a high-intent audience of people actively fixing their money. Media kit + rates: partner@anthonyoneal.com ━━━━━━━━━━━━━━━━━━━━━━ 📲 CONNECT WITH ANTHONY Website → https://www.anthonyoneal.com Instagram → https://www.instagram.com/anthonyoneal TikTok → https://www.tiktok.com/@anthonyoneal X → x.com/anthonyoneal LinkedIn → linkedin.com/in/anthonyoneal Facebook → facebook.com/anthonyoneal ━━━━━━━━━━━━━━━━━━━━━━ 👋 ABOUT ANTHONY Anthony O'Neal is a two-time national bestselling author, financial educator, and generational wealth architect who has spent more than a decade helping people get out of debt and build wealth that outlives them. He is an adjunct professor of Consumer Economics at Virginia Union University and a doctoral candidate in Finance and Investing. Through The Table, his books, and The Freedom Circle™, he's on a mission to eliminate $1 billion in consumer debt and build $500 million in wealth by 2053. Faith supports the work — it doesn't replace it. Debt is the enemy, never the person. ━━━━━━━━━━━━━━━━━━━━━━ AFFILIATE DISCLOSURE Some links above are affiliate links. If you use them, I may earn a commission at no additional cost to you. I only partner with companies I believe in, and a commission never changes what I recommend or what I say on this show. DISCLAIMER This content is for educational and informational purposes only and is not financial, investment, tax, legal, or insurance advice. Anthony O'Neal is not a licensed financial advisor, attorney, or tax professional, and no fiduciary relationship is created by watching this content. Your situation is unique — consult a qualified professional before making financial decisions. Results discussed are not guarantees. #AnthonyONeal #TheTable #MoneyThatWorks