Broke By Default | David Gibbs | Growing Money with Sean Trace

In this episode of Growing Money with Sean Trace, I sit down with financial and career coach David Gibbs for a real conversation about money habits, debt, budgeting, financial literacy, behavior change, and why so many people stay stuck even when they want better for themselves and their families. We get into why I started this podcast, how trying to teach my daughter about money pushed me to get serious about learning personal finance for myself, and why understanding the “why” behind our spending matters so much. David shares his approach to coaching, including how he teaches families to replace allowance with commission, how to build better money habits through accountability, and why your financial goals need to be tied to a deeper vision for your life. We also talk about emergency funds, saving for predictable expenses, staying out of debt, controlling what you can control, building momentum with small choices, and why financial peace creates the freedom to help yourself and other people. This episode is packed with practical personal finance advice for parents, families, anyone trying to break bad money patterns, and anyone who wants to build a more intentional, less stressful financial life.What is one money habit you know would change your life if you finally stayed consistent with it?