What I’d Do With My First $500 If I Started Investing Today: My Step-by-Step Plan for 2026
The Table with Anthony ONealPlay episode
Show notes
If Anthony O’Neal had to start investing from scratch in September 2026, this is exactly how he’d do it.
Anthony breaks down his simple 80/20 investing strategy, what he would do with his first $500, where to find extra money in your existing budget, and why waiting for the “perfect” time to enter the market could cost you years of growth. He also explains the order of accounts he would prioritize, how an emergency fund protects your investments, and how consistently investing just $107 a month could potentially grow into more than $250,000 over 30 years. This episode is a practical roadmap for anyone who wants to stop overthinking investing and start building real wealth with the money they have today.
MENTIONED HERE
🚗Stop Overpaying For Car Insurance: https://www.anthonyoneal.com/carinsurance 📈 Start Investing Today: https://www.anthonyoneal.com/invest 📖 Order "Stop Living Paycheck to Paycheck" (+$275 in free bonuses): https://www.anthonyoneal.com/book
KEY POINTS
00:00 – Introduction: How Anthony would invest his first $500 using an 80/20 strategy
03:38 – Why you can apply the same investing formula even if you only have $25 or $100
05:47 – Why boring, low-cost index funds can become the foundation of long-term wealth
18:04 – How to find your first $500 without getting a raise or starting a side hustle
18:25 – Four everyday expenses that may be quietly eating up your investing money
28:13 – Why an all-time market high is not automatically a reason to wait
31:27 – Why an emergency fund gives you the ability to stay invested when markets fall
35:37 – The order Anthony recommends: 401(k) match → Roth IRA → brokerage account
37:17 – How $107 a month could potentially grow to roughly $252,000 over 30 years
40:02 – The 3 investing mistakes that can destroy a good strategy
QUOTES:
“The schedule is the strategy, and your feelings are not.” – Anthony O’Neal
“Your emergency fund is not a savings goal. It's what buys you the right to hold on. It protects your peace.” – Anthony O’Neal
“Time in the market beats the amount you put in every single time.” – Anthony O’Neal
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.
📅 BOOK ANTHONY TO SPEAK AT YOUR EVENT: bookings@anthonyoneal.com
🤝 SPONSOR THE TABLE PODCAST: partnerships@anthonyoneal.com
Connect With Anthony:
👉 Website: https://www.anthonyoneal.com
📸 Instagram: https://www.instagram.com/anthonyoneal
🎵 TikTok: @_anthonyoneal
FREE TOOLS & RESOURCES:
📊 Budgeting & Wealth Tracker: https://www.anthonyoneal.com/wealthbudget
🧠 Book a FREE 15-Minute Financial Plan: https://www.anthonyoneal.com/getmyplan
📞 Call In & Be On The Show: (771)-224-8131
TRUSTED PARTNERS:
These tools help you win with money:
- SoFi High-Yield Savings (Earn 4.6% APY): https://anthonyoneal.com/savings
- Dovly (Credit repair made simple): https://www.anthonyoneal.com/dovly
- Kikoff (Build credit the smart way): https://www.anthonyoneal.com/kikoff
- MooMoo (Start investing + get 5 FREE stocks): https://www.anthonyoneal.com/moomoo
- Ethos Life Insurance (Term life in minutes): https://link.anthonyoneal.com/ethos
- BetterHelp (Affordable online therapy): https://link.anthonyoneal.com/betterhelp
Affiliate Disclaimer: Some links are affiliate links, meaning I may earn a commission at no extra cost to you. Many offer special discounts for my community!
⚠️ 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.
Advertising Inquiries: https://redcircle.com/brands
Privacy & Opt-Out: https://redcircle.com/privacy
