Anthony O'Neal once stood outside a Walmart with a cardboard sign asking strangers for money to eat, scanning the parking lot so his own mother wouldn't see him. Today he's a bestselling author, an adjunct professor at Virginia Union University, and a former Ramsey Solutions personality whose new book, "Stop Living Paycheck to Paycheck" (Nelson Books), debuted on the USA Today bestseller list. O'Neal joins Yahoo Finance Executive Editor Brian Sozzi to talk about the single concept he says matters more than income for building wealth, how faith carried him through the lowest point of his life, and the exact moves he'd make if he were starting over at 21 today. Timestamps 0:00 Sleeping in a Walmart parking lot 1:07 How a financial education gap led him there 3:10 Why financial literacy still isn't taught in school 4:38 The real reason 62% of Americans live paycheck to paycheck 6:56 What day-to-day survival actually looked like 9:01 The turning point, and his stepdad's ultimatum 10:44 The role his faith played, then and now 14:54 The five-phase plan to escape paycheck to paycheck 18:37 What he'd do differently starting over at 21 22:15 Investing with as little as $25 23:33 Where he sees himself in 25 years #AnthonyONeal #PersonalFinance #PowerPlayers #YahooFinance #StopLivingPaycheckToPaycheck == AlphaSpace by Yahoo Finance: A Professional-Grade Investment Platform Built for Everyday Investors. 👉 https://finance.yahoo.com/about/promos/gold/alphaspace?ncid=100003571