In this powerful episode of NXT Chapter, Bishop T.D. Jakes sits down with Anthony O'Neal — bestselling author, CEO, nationally recognized financial expert, and one of the most trusted voices in personal finance — for a raw and transformative conversation about money, mindset, and the decisions that shape your financial future. Anthony opens up about his own journey from homelessness in the back of a car in a Walmart parking lot, to becoming a leading authority on wealth building and financial literacy. He shares how a lack of financial education — not character — led him to $30,000 in debt in just seven months, and what it truly cost him emotionally, mentally, and spiritually to find his way back.

Together, T.D. Jakes and Anthony O'Neal break down why our schools, communities, and families are failing to prepare the next generation for financial reality — and what it takes to change that. They discuss the difference between earning money and multiplying it, the danger of student loan debt, the power of margin over income, and why where you live may be the most important financial decision you ever make. Anthony also shares wisdom from his time as a professor teaching consumer economics, including why proper prior planning is the foundation of lasting wealth.

From real estate and home ownership to entrepreneurship, debt freedom, and regional cost of living strategies, this episode is a masterclass in financial intelligence — and a reminder that the information you never received doesn't have to define the chapter you're stepping into next.