Growing Money with Sean Trace

In this episode, I sat down with Albania Espinal to talk about a side of money that does not get enough attention: how to build a financial life that actually feels good while still preparing for the future. We got into why so many people are taught to obsess over retirement without thinking about what brings them joy right now, how financial stress often comes from avoidance and emotional patterns, and why self-awareness is one of the most important money skills you can build. Albania shared how giving your money a job, creating simple spending buckets, and being honest about your habits can lower stress and help you make better decisions without feeling restricted. We also talked about the emotional side of money, how family experiences shape the way we spend and save, and why taking one small step today can completely change your financial future. This conversation is for anyone who wants to stop feeling guilty about money, start feeling more confident, and create a plan that supports both peace of mind and real joy.

In this episode of Growing Money with Sean Trace, I sit down with returning guest David Houston, financial coach, speaker, and small business consultant, to talk about the real money habits that shape our lives long before wealth ever shows up. We get into why so many young people still make the same financial mistakes, how social media and broke advice keep people stuck, and why knowing where you are financially is the first step to getting where you want to go. We talk about compound interest, student loans, debt culture, budgeting without feeling restricted, raising money-smart kids, and the emotional weight debt puts on your life and marriage. David also shares practical advice on choosing between college, community college, and trade school, how to stop comparing yourself to everyone online, and why having a clear “why” is the key to changing your financial future. We even dive into one of the biggest money traps out there: buying a car. This conversation is packed with practical personal finance advice, debt payoff strategies, budgeting mindset shifts, financial literacy tips for families, and honest insight for anyone who makes decent money but still feels broke at the end of the month.What do you think keeps more people stuck financially today: debt, bad habits, or chasing a lifestyle they can’t actually afford?

In this episode, I sit down with Drew Boyer, CFP and founder of Boyer Financial Group, to talk about the powerful connection between music, money, fatherhood, and what real wealth actually means. We dive into how Drew went from being a drummer to becoming a financial advisor, why rhythm and repetition matter in personal finance, and how good habits shape everything from saving money to raising resilient kids. We also get into financial literacy for children, the responsibility that comes with parenthood, how to avoid raising entitled kids, and why generational wealth is about so much more than just passing down money. This conversation touches on college savings, Roth IRAs for kids, debt, long-term thinking, health, lifestyle, and the freedom that comes from building a life with intention. If you care about personal finance, being a better parent, creating options for your family, and redefining wealth in a more meaningful way, this episode is packed with practical insights and real perspective.What is one money lesson you want your kids, or your future kids, to understand earlier than you did?

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?

One thing I’ve noticed after talking to financial advisors, entrepreneurs, and families is that making more money doesn’t magically make money stress disappear. In fact, sometimes it makes it worse.In this episode, I sit down with financial advisor Ryan Johnson, who works with high-earning young families making anywhere from $200K to $500K a year. And what surprised me is that the biggest problem they face isn’t usually investments or market timing. It’s uncertainty. It’s that quiet voice in the back of your head saying, “I finally make good money… what if I mess this up?” We dig into the real questions people ask when their income starts growing. Can I actually afford that vacation? Should I save more for my kids’ college or my own retirement? How do you build a financial system that lets you enjoy life today without destroying your future?Here’s the question I’d love to hear from you: If your income suddenly increased tomorrow, would your first instinct be to spend more or save more, and why?

In this episode, I sit down with Certified Financial Planner Cristian Mundy to talk about what really happens when people start making more money but still do not build real wealth. We get into financial literacy, lifestyle creep, immigrant family pressure, generational wealth, athlete and entertainer money mistakes, and why high income does not automatically mean financial security. Cristian shares what he sees behind the scenes with pro athletes, executives, and entertainers, and we unpack how money trauma, identity, and the wrong circle can quietly wreck someone’s future. This conversation is really about how to stop confusing income with wealth, how to pay your future self first, and how to build a financial life that actually lasts.

In this episode of Growing Money, I introduce one of the strangest, and honestly most fun, frameworks I have ever used to explain personal finance. I am building a new book that breaks financial survival down through the lens of a zombie apocalypse. It sounds ridiculous at first, but the more I thought about it, the more the metaphor made sense. In every zombie movie there is always a moment before everything collapses, that first week when something feels off but people are still going to work, ordering food, scrolling their phones, and pretending nothing is wrong. That moment is exactly what financial problems look like in real life.I talk about how rising credit card balances, minimum payments, empty savings accounts, buy-now-pay-later debt, and inflation slowly eating your income are the financial equivalent of those early infection signs. Nothing explodes overnight. It creeps in quietly while people convince themselves everything is fine. I also share some of my own mistakes with debt and credit cards and why so many people hide money problems from their families even when those problems are getting worse.The real danger is not the crisis itself, it is ignorance. Most people were never taught how interest works, how banks profit, how inflation erodes purchasing power, or how the financial system actually functions. When the system shakes, the uninformed panic. The informed prepare. That is why week one of this book is not about investing or fixing anything yet. It is about reconnaissance. I challenge listeners to map out their income, expenses, debt interest rates, credit score, and net worth so they can actually see the system they are living in.Financial literacy is not paranoia. It is preparation. In the same way the smartest characters in apocalypse stories board their windows early and study patterns, the smartest financial survivors learn the system before it becomes a crisis.So here is the question I want to leave you with: if your financial life had a “week one warning sign” right now, would you recognize it, or would you ignore it like everyone else in the zombie movies?

In this episode of Growing Money with Sean Trace, I sit down with Matthew Filepp, CFA, CFP®, founder of PB Wealth in Charlotte, North Carolina, to talk about what actually makes financial progress stick, especially for people who are busy, high-achieving, and still feel like their money disappears. We get into why fee-only, advice-only financial planning builds real trust, how lifestyle creep quietly turns higher income into long-term stress, and why “what you’re approved for” is not the same thing as “what you can afford” if you want freedom later. Matthew breaks down a simple money checklist, spend less than you earn, build an emergency reserve that fits your real life, and automate investing so you stop relying on willpower. I share my own stories, credit cards, profit-first buckets, pineapple cakes at 3 a.m., and even Muay Thai habit stacking, to show how money is basically the same as fitness, the basics work, but only if you do them consistently. If you want less anxiety, fewer money fights, and more control, this conversation is a practical reset on how to build your financial future by design, not by default.

In this episode of Growing Money with Sean Trace, I sit down with Bryan Jepson, a former emergency medicine physician who just retired after a 30 year career and made a bold transition into the financial world as a CFP financial advisor. We talk about why so many people feel behind with money, and why that feeling is usually not about a number, it is uncertainty and a lack of structure. Bryan breaks down what it really takes to make real change, clarity, a simple plan, and a team that keeps you accountable, the same way a gym partner helps you stay consistent. We also get into true wealth, not chasing more, but having enough assets to control your time, create meaningful experiences, and build deep relationships, plus the power of giving back. We tackle one of the biggest practical questions people ask, debt versus investing, including how to think about high interest credit card debt versus lower interest debt, and why waiting too long to start investing can quietly cost you years of compounding growth. If you want a smart move you can make this week, this conversation brings it back to the simplest answer that actually works, decide to get clear on where you are, define where you are going, and commit to consistent actions that compound over time.

In this episode of Growing Money, I sat down with CFP Uziel Gomez to talk about something that doesn’t get discussed enough in personal finance, what it actually feels like to be a first-generation wealth builder. We didn’t just talk about investing or retirement accounts. We talked about money mindset, survivor mentality, overspending versus hoarding, being your parents’ retirement plan, and the guilt that can come with earning more than anyone in your family ever has. I shared my own experience of growing up without strong financial guidance, making mistakes when income increased, and realizing that earning more does not automatically create financial stability. Uziel broke down why financial literacy fundamentals matter more than fancy strategies, why a spending plan works better than traditional budgeting, and how culture, identity, and family expectations shape financial decisions for immigrants and minorities. If you are navigating family pressure, long-term care planning, supporting parents, or trying to build generational wealth without a blueprint, this conversation will hit home. This episode is about financial literacy, emotional intelligence with money, building wealth responsibly, and breaking cycles of scarcity so the next generation does not carry the same stress.If your income doubled tomorrow, would your habits protect you, or would your old money story take over?

Two years ago, I recorded this conversation with Ramon Ray for the Growing Money podcast. And then… the audio failed.At the time, I couldn’t properly process it. The quality just wasn’t there. So it sat. Now, with new AI tools, I’ve been able to restore the audio and finally bring this conversation back to life.Quick apology to Ramon for the long delay, and big shoutout to him. His message on visibility, trust, and building a strong personal brand is just as relevant today as it was then.This episode is a reminder that attention builds trust, and trust builds opportunity. Whether you’re a financial advisor, entrepreneur, or creator, being known in your space changes everything.My question for you: If someone in your industry needed what you offer today, would your name come up first?

In this episode of Growing Money with Sean Trace, I sit down with returning guest Sandra Park, a Ramsey financial coach, engineer, single mom, and debt free multimillionaire, to get brutally clear on what “debt free” actually means in real life. We break down the difference between being consumer debt free versus truly 100 percent debt free, why credit card interest rates are the real silent killer, and why people with good intentions still end up stuck in the cycle. I share my own credit card payoff journey, the mindset shift that helped me stop seeing a credit limit like it was cash, and how I now use credit cards with tight guardrails for business necessities, travel, and points without sliding back into old habits. We talk about Profit First and the bucket method, how systems beat willpower, why tiny purchases add up faster than big ones, and how debt can quietly steal your freedom by borrowing from your future self. Sandra also gives a simple, powerful move anyone can do right now, a 30 day spending audit that reveals what you actually value, not just what you say you value, so you can move toward financial freedom without going extreme.What is one “small” expense you used to ignore that you now realize was quietly wrecking your money decisions?

In this episode of Growing Money with Sean Trace, I sit down with Joe Moss, founder of Advisor Techbook, to talk about a problem almost everyone has but few people solve, how to charge more money without feeling like a fraud. Joe breaks down a simple but mind-shifting idea, people invest in potential all the time, so your job is to get clear on what you are building, what you actually want to do, and how to back into the real value of your time. We get into the difference between earning what you want and becoming the person who can hold it, why distraction is quietly wrecking people’s income, and how tiny daily habits can unscrew the mess one turn at a time. I also share my own story of rebuilding after a serious health crisis, how my “why” snapped into focus when I saw my daughter’s ultrasound, and why I’m willing to do whatever it takes to keep learning and teaching through these conversations. We end with two keys Joe lives by, one spiritual and universal, one super practical for online business builders, plus a real talk moment on why relationships, friendships, and the quality of your conversations might be the most underrated form of wealth.

In this episode of Growing Money with Sean Trace, I sit down with Asher Dahlgren, a young entrepreneur and founder of Dahlgren Social, to talk about financial independence, financial literacy, and what it actually takes to build wealth early without pretending it’s complicated. We get into why schools still don’t teach money basics, how stigma and jealousy keep people quiet about finances, and why I believe money is just a tool, not a personality test. Asher breaks down his simple “three buckets” framework, earning, managing, and investing, and explains why getting good at two makes you wealthy, and getting good at all three can make you very well off. I share the mindset shifts that helped me stop reacting to bills and start building systems like separate buckets, profit-first thinking, and spending based on priorities instead of guilt. We also talk entrepreneurship, compounding, budgeting at any income level, and why financial freedom is really the ability to say no, to bad clients, toxic living situations, draining relationships, and anything that pulls you off your path. If you’re trying to start investing, build better money habits, grow your income, and create real financial empowerment, this conversation will give you a practical, motivating roadmap you can actually use.

In this episode of Growing Money with Sean Trace, I sit down with Brian Carney, partner and founder of RiversEdge Advisors, an independent wealth management and registered investment advisory firm in Delaware, to talk about the side of money nobody can spreadsheet, the emotional, behavioral part that drives real decisions. Brian shares how he accidentally became a financial advisor after ditching a physical therapy path, and what it taught him starting in a world-shaking moment like September 11th, that trust and relationships matter before credentials, calculations, or perfect answers. We get into behavioral finance, market volatility, investing mistakes smart people still make, and why the most dangerous words in personal finance are “I don’t know,” because uncertainty creates anxiety that can lead to panic selling and expensive, irreversible decisions. I share stories from my own life, from hiring and staying calm under pressure to learning how a good advisor helps you do the financial work with you, not for you, and Brian explains what a healthy relationship with money looks like in real life, setting clear goals, building a cohesive plan across accounts, and creating a team where your financial planner, accountant, and attorney actually communicate. We also talk about cutting through influencer noise, why “fiduciary” is table stakes not a magic guarantee, how AI can give impressive looking plans that still create costly tax mistakes, and why the real path to long-term wealth is consistency, simplicity, and “get rich slow,” not the fantasy of timing the market or chasing a big strategic move.

In this episode of Growing Money with Sean Trace, I sit down with Patrick, a CFP and the founder of Noor Financial Services, to talk about the real starting point for building financial security, awareness. We get into why so many people feel overwhelmed by personal finance, especially if they were never taught money at home or in school, and how simple daily habits like checking your accounts, reviewing bank and credit card statements, and spotting hidden subscription spending can create fast “aha” moments. Patrick shares how he approaches younger professionals navigating big life changes like marriage, kids, and career growth, and why goals come first, not hype about beating the market. We talk about money mindset, avoiding the shame spiral after mistakes, and the idea that you do not lose, you learn, then you use that lesson to make the next decision cleaner. We also dig into the noise on social media, get rich quick advice, the gambling vibe creeping into investing, and how staying grounded with a clear plan, diversification, and a balance between enjoying life now and protecting future you is the real flex. Patrick also shares why he launched his own firm, why fiduciary standards matter, and why he is hopeful about the future as more schools make personal finance education a graduation requirement.

In this episode of Growing Money with Sean Trace, I sit down with tax planner and financial pro Felicia Greenwald to talk about how to stop being reactive with money and start getting intentional, especially with taxes, spending, and retirement planning. We dig into why so many people fall for viral money tips and tax “hacks,” why “it’s a write off” can still be a terrible decision, and how simple habits like actually looking at your expenses can change everything. We also get real about financial anxiety, how it hits people at every income level, and why having a trusted guide like a CFP, tax planner, or advisor can help you turn the chaos into a clear plan. Along the way we talk Profit First, lifestyle creep, keeping up with the Joneses in the Instagram era, and how shifting your spending toward experiences and your real values can lower stress and build long term wealth without feeling deprived.

In this episode, I sit down with financial planner Taylor Stewart for one of the most honest conversations I’ve had about money, uncertainty, and what real financial planning should look like. We talk about the messy reality of life, diapers, dogs, spilled coffee, bad first dates, and why those imperfect moments actually mirror how most of us handle money. Taylor shares how growing up around financial planning gave him one vision of the profession, only to discover later that much of the industry is built around selling products instead of giving real advice. That realization pushed him to build a new approach to planning, write a book on embracing uncertainty, and even create software that helps advisors focus on action instead of pointless precision.We dig into why people get paralyzed trying to make perfect financial decisions, how optimization anxiety keeps us stuck, and why progress always beats perfection. Taylor explains why investments are overemphasized, liquidity is ignored, and why staying alive financially matters more than chasing home runs. We explore uncertainty as a necessary part of growth, from saying yes to scary opportunities to increasing the surface area for luck in life and business. Along the way, we talk credit cards, behavioral traps, gamified finance, building healthy money habits, and teaching kids financial principles through zombie apocalypse survival planning.This episode is for anyone who has ever felt overwhelmed by money, frozen by too many choices, or frustrated with traditional financial advice. It’s about stepping back, focusing on what you can control, and building a life where your money supports your goals instead of stressing you out.

In this episode of Growing Money with Sean Trace, I sit down with financial coach Hannah Newberry from Map Your Money to talk about the real foundation of personal finance, budgeting, debt payoff, saving, and starting to invest without getting sucked into market panic or the nonstop noise of social media. We break down why “confident advice” from friends or family can still be wrong, how to spot the difference between helpful guidance and loud opinions, and what it actually looks like to stay calm when your 401(k) drops or you feel crushed by a mountain of debt. Hannah shares practical ways to build financial resilience, including focusing on small wins, building consistent habits, using clear goals and visuals to stay motivated, and learning the rules of the money game, tax basics, and smart spending so you can make decisions with control instead of emotion. If you’re trying to get out of consumer debt, improve money management, and build long-term wealth through steady saving and investing, this conversation is a reset for your mindset and a simple path forward when everything feels chaotic.

In this episode of Growing Money with Sean Trace, I sit down with Steven Fox, a former Marine turned CFP who built, scaled, and sold his financial planning firm, and is now reshaping how financial advice works. We dig into the uncomfortable truth behind traditional financial planning, why so many advisors are really salespeople in disguise, and how everyday people get stuck buying products they do not actually need. Steven breaks down what real financial planning should look like, why advice only models remove hidden incentives, and how to spot whether someone is truly helping you or just making money off you. We talk about money anxiety, decision making, life planning, and why most people are not as far behind as they think. This is a conversation about cutting through the noise, finding clarity with your finances, and building a money strategy that actually fits your life.

In this episode of Growing Money with Sean Trace, I sit down with Michigan State finance professor and registered investment advisor Steve Schiestel to talk about personal finance basics that actually stick, especially saving habits, wants versus needs, building an emergency fund, and why most people do better being consistent savers than trying to be genius investors. We start with kid level money questions like what money is, how to save even a little, what to do with ten dollars, and how kids can earn money, then we zoom out into the real gaps in financial education, the psychology behind spending and investing, and why money behavior is often simple but not easy. I share a real dad moment trying to explain banks, limits, and saving to my daughter when she wants a gaming PC, and we get practical about budgeting rules of thumb, how much to save, housing cost targets, and why emergency funds can save a family when life hits. Steve breaks down common money mistakes like not saving early and trying to time the market, explains why low cost index investing and long term discipline beat chasing hype, and we connect it all to the casino style dopamine loops that make investing feel like a game. We close with a clear guide for choosing a financial advisor, including fiduciary duty, fees versus commissions, credentials like CFP, and the trust factor, plus Steve’s advice to his younger self about taking smart career risks while still building long term financial security.

In this episode of Growing Money with Sean Trace, I sit down with Steve Heinemann, a financial planner in Southern California who helps busy mid-career professionals and families create financial clarity, reduce money anxiety, and make confident decisions even when real life is messy. We talk honestly about how chaos at home can spill into your money life, why an emergency fund matters more than people think, and how high earners still get stuck when they do not have a clear view of cash flow and priorities. Steve breaks down how to stop drifting financially by keeping things simple, focusing on values first, and using practical check ins to make sure spending matches what you actually care about. I share my own journey paying off credit card debt, using credit cards as tools, and building a system that makes money management easier instead of overwhelming. If you want a straightforward way to build financial confidence, align your money with your values, and create flexibility for the storms you cannot predict, this conversation will help you take the first intentional step.

In this episode of Growing Money with Sean Trace, I sit down with Ron Kmetovicz, a 78 year old dad, grandpa, and great grandpa who built his life as an engineer and entrepreneur, and now wants to pass down a simple, real-world pathway to financial independence. Ron breaks financial freedom down into something you can actually remember and actually do, a five step process he teaches using nothing but his hand, abandon destructive behaviors, adopt effective behaviors, engage in meaningful work, invest wisely, and become financially independent. We talk about why most people feel behind, especially younger generations dealing with inflation, social media noise, and get rich quick myths, and why the real problem is usually a lack of role models and a lack of structure. Ron shares his practical definition of financial independence, minimal debt plus multiple revenue streams, and explains how to build that over 10 to 25 years without needing an MBA or fancy investing knowledge. We get into the foundation work that matters before investing makes sense, how habits compound the same way fitness does, and why his “ghost account” concept, consistent monthly investing in stable long-term funds, can become a parallel income stream that supports you later in life. If you want a clear financial plan, a mindset reset, and a simple system for building wealth steadily, this conversation is a grounded guide to budgeting, debt payoff, long-term investing, and building multiple income streams the right way.

In this episode, I sit down with Randy Gage for one of those conversations that just goes deep: talking about prosperity, what it actually takes to build something, and the mindset shifts that change everything. We get into why entrepreneurs are really just artists, why money isn't the point (it's just a tool), and why most people are playing the money game with the wrong rulebook. Spoiler: cutting out your daily coffee isn't the strategy.Randy opens up about his journey from poverty and failure to building multiple multimillion-dollar businesses, and we dig into how health, relationships, contribution, and mindset all tie into real wealth. This conversation is about expanding what you think is possible, unlearning the toxic money beliefs you didn't even know you had, and understanding that abundance comes from solving problems and adding real value, not from playing it safe.If you've ever felt stuck, played small, or wondered why some people keep winning while others are just trying not to lose, this one's going to challenge how you think about money, success, and what a prosperous life actually looks like.

In this episode of Growing Money with Sean Trace, I sit down with Adam Bruderly, founder of the 903 Collective and a former Vanguard finance leader, to talk about the question that quietly changes everything, what is your enough number. We dig into why chasing a bigger title, a bigger account balance, or some imaginary finish line can leave you emptier than you expected, and how real wealth looks more like time, presence, health, relationships, and meaningful experiences than it looks like stuff. Adam shares how surviving 9/11 while working in the World Trade Center reshaped his entire life and made time the most valuable currency he tracks, because it is the one thing you cannot buy back. From memento mori and stoicism to the hedonic treadmill, the five regrets of the dying, and the difference between spending on things versus spending on experiences, this conversation reframes personal finance as a tool, not an identity. We also go deep on the 903 Collective’s four pillars, physical, mental, financial, and spiritual wellness, and why living your best version requires alignment across all four, not domination of just one. If you have ever thought, when I get to X, then I will be happy, this episode is your wake up call to redefine success, protect your time, and build a life that feels rich right now.

In this episode of Growing Money with Sean Trace, I sit down with insurance pro Broc Buckles to talk about the unsexy side of wealth that actually keeps your whole plan from falling apart. We get into why fee-only financial planners are such a game changer for regular people, how term life insurance, disability insurance, and umbrella policies quietly protect your future, and why “it won’t happen to me” is one of the most dangerous beliefs you can carry into adulthood. Broc breaks down, in plain English, how disability insurance can protect your income, why locking in term life insurance when you are young and healthy is such a smart move, and how a simple umbrella policy can save you from getting wiped out after a car accident or lawsuit. I share personal stories about friends and family who lost everything because they did not have the right coverage, a heart scare that changed my own insurability, and even a wild Hollywood scam that shows how “shiny object syndrome” can blind us to obvious red flags. We connect it all back to long term wealth building, Stoic thinking, and that Navy SEAL mindset of hoping for the best while preparing for the worst. If you have ever wondered how insurance really fits into financial planning, how to protect your family, or how to find advisors who are not just trying to sell you a high commission product, this conversation will give you a real world playbook for using insurance as a key part of your personal finance and long term wealth strategy.

In this episode of Growing Money with Sean Trace, I sit down with financial advisor and life planner Justin Castelli to talk about what it really means to live an authentic life and align your money with who you actually are. We get into intuition, synchronicity, manifestation and the law of attraction, but in a grounded way that still respects real world financial planning, budgets and cash flow. Justin shares how he shifted from traditional retirement and investment planning into life planning, helping clients define their purpose, values and vision first, then building the financial plan around that. I open up about my own story, my dad’s health scare, moving to Vietnam, surviving scams, being super woo woo, and how money as energy and strong money habits gave me the freedom to start multiple podcasts and build a media company for my family. We talk about money mindset, expanding income instead of only cutting expenses, why survival mode blocks intuition, how to balance spirituality and wealth, why your net worth will never exceed your self worth, and how to use side hustles and passion projects without needing to quit your day job tomorrow. If you care about financial freedom, purpose, and becoming the most authentic version of yourself while still paying the bills, this conversation will hit you right in the soul and your money life.

In this episode of the Growing Money with Sean Trace podcast, I sit down with financial coach and counselor Jackson Larimer, host of the Money with Jackson podcast and a creator of a powerful millionaire interview series, to dig into what really separates people who get rich once from those who stay wealthy over the long term. Jackson walks me through the three main millionaire paths, the stock market, real estate, and business ownership, and we talk about how financial education, simple tools, and a clear “why” matter more than flashy strategies or complex products. I share my own journey, from going back for my MBA and realizing it did not actually teach me practical money skills, to discovering concepts like cash flow, return on investment, and the Profit First method and finally getting honest about my own financial blind spots. Together we unpack why a basic intentional spending plan and a net worth statement can dramatically lower stress, why so many people feel controlled by money instead of using it as a tool, and how marketing and lifestyle pressure push people into buying new cars and luxury stuff before they’ve built real assets. Jackson shares a personal story from his time as a missionary in Guatemala that completely reframed how he thinks about giving and financial literacy, and we both dive into lifestyle design, aligning money with personal values, and turning “being broke and stressed” problems into “just a speed bump” problems through financial optionality. If you want to learn how everyday people actually become millionaires, how to keep your wealth once you build it, and how to create more freedom for your future self and your family, this episode is a real-world, no fluff masterclass.

In this episode of the Growing Money podcast I sit down with Grant Ellis to get brutally honest about what building real wealth actually looks like in real life. We talk about how our definition of wealth changes once kids show up, why freedom of time matters more than flexing on social media, and how much of personal finance is really psychology, behavior and self talk. Grant breaks down simple but powerful habits like building an emergency fund, tracking your spending, getting out of credit card debt and living below your means so you can stop chasing lottery ticket dreams and start creating real financial stability. We dig into car payments, student loans, the pressure to keep up with the Joneses, and how small, boring money habits compound into freedom over a decade. I also share my own journey using profit first, paying down debt, and shifting from “I am bad with money” to “I am actually good with money, I just needed better habits.” If you care about personal finance, building wealth, money mindset and creating more choices for your family, this conversation will feel like a deep breath and a reality check at the same time.

In this episode, I bring on CFP and enrolled agent Kyle Luetters to talk about making real money moves that actually fit your life. We go deep on the mindset shift from “I am bad with money” to “I just never learned the rules yet” and how a single paycheck and a newborn pushed Kyle to build a system that now helps his clients thrive. We hit on tax planning as a superpower, not a fear, how to stop giving the IRS a zero interest loan, and why consistency beats vibes when it comes to investing. I share stories from martial arts, Muay Thai, wine country, and even Rick and Morty to show how coaching, process, and tiny tweaks can change everything over time. We talk plateaus, leveling up when you are already “doing fine,” and why it is smarter to pay for expertise than to pay for expensive mistakes. If you are ready to stop winging it and start being intentional, this episode will give you language, tools, and a fresh perspective on your whole financial life.

In this episode of Growing Money with Sean Trace, I sit down with financial planner Anthony Degli Obizzi Jr. to talk real life money, not fantasy TikTok finance. We break down the debt avalanche vs snowball methods, how to actually pick the one that fits your personality, and why having a money plan beats winging it every single time.I share parts of my own journey paying off credit cards, and Anthony walks me through how he helps clients, especially high earning attorneys, set up a simple money flow system so they can pay down debt, build wealth, and still enjoy life without feeling guilty every time they spend. We get into lifestyle inflation, money mindset, tracking cash flow, risk protection, and how to move from debt payoff mode into true wealth building.If you feel stuck, overwhelmed, or like you are always playing catch up with your money, this conversation will help you see a clear path forward. We talk practical systems, emotional traps, and small daily steps you can actually follow. Perfect if you are searching for help with debt payoff, avalanche vs snowball, budgeting, money mindset, and how to stop living paycheck to paycheck and finally build freedom.

I sat down with financial advisor Rick Luchini to talk real financial freedom, not the grindy misery version. We get into living within your means without living small, beating lifestyle creep, and the simplest budget that actually works, pay yourself first with separate accounts, then spend the rest guilt free. We talk return on life over return on investment, building experiences with your family, and how to stack income streams you actually enjoy. If you are 25 to 45 and stuck between TikTok hot takes and advice for millionaires, this is your middle lane. We break down starting a side business while keeping your 9 to 5, using your five to nine to build optionality, investing in yourself, and turning skills into cash flow. Clean mindset, less flex, more freedom.

What’s up everyone! In this episode of Growing Money with Sean Trace, it’s just me today, and I’m hyped to share a huge win. I finally paid off my credit card! And the reason I was able to do it is because I started using something that completely changed how I handle money in my business: The 5 Buckets of Profit First.I’ve always been the type who struggled with managing money, but after working with an amazing certified financial planner, I started applying the Profit First method and it’s been a total game changer. I break down how I divide every dollar that comes in into five buckets: Profit, Owner’s Pay, Taxes, Operating Expenses, and Emergency Savings. Each one has a purpose, and together they keep my business running lean, smart, and stress-free.This system taught me that profit isn’t an event, it’s a habit. Paying myself first, setting money aside for taxes, capping what I spend on the business, and building an emergency cushion, it’s completely shifted my mindset. Last month I even had to dip into my reserves, but I paid them right back. Now I’m watching my debt drop and my financial confidence rise.If you’ve been hustling but still feel like your money’s running you instead of the other way around, this one’s for you. Tune in to “The 5 Buckets of Profit First” to hear how I’m making my money work for me, not against me. Let’s grow that cash flow together.

I sit down with CPA firm owner Zee Barfoot to talk real money mindset, not just spreadsheets. We get into why driving a paid off beater can beat flex culture, how to avoid credit card traps, and the non negotiables like paying your taxes on time, building an emergency fund, and getting simple term life insurance. We jam on couples and cash, aligning goals before budgets, and why treating yourself like a business, know your numbers, track your progress, changes everything. We touch Dave Ramsey, feelings over formulas, and how purpose and legacy guide every financial move. Zee shares starting from zero, building a firm in Arkansas, and choosing the right partner and habits. If you want practical steps for self employed taxes, mindset shifts that reduce money anxiety, and a plan to grow, save, and protect your family, this episode delivers. Listen for clear takeaways on goals, cash flow, emergency funds, insurance, and paying the government without drama, plus a candid conversation about therapy, resilience, and building a life you are proud of.

I brought on Lillian Turner, a Certified Financial Planner and Registered Life Planner, to talk about money the way real people live it. We dig into money stories, mindset, and why most of us were never taught this stuff in school. Lillian shares how growing up around money stress shaped her beliefs, how she dug out of credit card debt, and why knowledge without implementation keeps people stuck. We get into practical coaching, the EVOKE method from George Kinder, and the Three Questions that help you build a values driven plan. We riff on ROL, return on life, and how to balance enjoying your money today with funding your future. We talk abundance over scarcity, experiences over things, and why a spending plan can feel like freedom. Lillian busts the myth that having debt makes you a bad person, shows how the wealthy use tools like debt wisely, and makes the case for money buddies, accountability, and step by step action. If you want financial clarity, time freedom, and a life that actually feels good, this episode is for you.

I sit down with Paulina from Mindset Mastery Tribe to unpack how ex corporate pros can rewire their thinking, scale fast, and actually enjoy the climb. We get real about breaking old programming, using time, space, repetition to shift identity, why daily accountability beats New Year hype, and how money beliefs either block or attract clients. We riff on You Squared, the Science of Getting Rich, and the power of a true mastermind that meets every day. I share my own Ls, wins, and why feeling good is a strategy, not fluff. If you are leaving the 9 to 5 for ownership, this episode gives you the mindset of an operating system, from failing forward without losing steam to building systems that create leverage. Tap in to Growing Money with Sean Trace, meet Paulina, and leave with a simple plan to think better, move smarter, and make more.

I sat down with Austin Preece, a 28 year old planner out of Wisconsin, to talk about money the way real people live it. We started with the human side, trust first, numbers second, because if you cannot say your priorities out loud, the spreadsheet will not save you. Austin breaks it down like a coach, track your spending, actually read your tax return, know what is coming in and what is leaking out. We get into tax planning that shows real dollar value, how to avoid the classic one year Roth blow up, why donor advised funds can level up your giving, and why most of us need savings outside retirement so we have flexibility to start a business, buy a home, or just breathe. We talk latte myths, patience, and compounding, plus my favorite analogy, you cannot build the top floor before the foundation. If you want a simple path, start small, open a plain brokerage account, automate something, and keep showing up. Boring moves now, loud results later.

In this episode of Growing Money with Sean Trace, I sit down with Certified Financial Planner Nicholas Bunio to talk about real retirement planning for real people, especially teachers, doctors, nurses, and federal workers who want confidence, not hype. Nick shares how bad brokerage advice hit his own family, why discipline beats drama, and how a written financial plan gives you calm when markets swing. We connect martial arts to money, show up on rainy days, build a strong base first, emergency funds, cash flow, and risk that fits your nerves, then take smart offense. We cover pensions versus 403b and TSP, sequence risk, why Medicare does not cover long term care, and how to think about lifestyle, taxes, and custodial care without panic. If you have ever wondered how to stay calm, stick to a strategy, and be ready for anything, this conversation will help you turn anxiety into action. Find Nicholas Bunio on LinkedIn for a free 30 minute consult, and subscribe if you want clear, practical steps for retirement readiness.

We are back, and Money School is now co-branded with Growing Money with Sean Trace and Professor Heath’s Money Misfits. I open with a very human confession, I literally forgot to hit record on a different show, two hundred plus episodes in, which is a perfect reminder that progress beats perfection. From there we get into what actually moved my money forward this month. I worked with a financial planner, paid down eight thousand dollars toward debt, cleared my credit cards, and laid out the next steps, two emergency funds, one for life and one for business, plus getting a solo 401k and a Roth going. We talk through why I am not racing to crush my student loans at 6.7 percent when I can also start investing, and how that tradeoff works in real life.We get honest about relationships and money, the fight that happens when values are not aligned, the new phone that costs more than the plan, and how different money scripts can wreck a partnership if you never talk about them. We dig into psychology too, dopamine spending, the 72 hour pause that saves me from impulse buys, and how I am gamifying progress so the numbers going down on debt and up in savings keep me motivated. If you are waiting to have it all figured out before you start, this episode is your sign. Start with what you have, keep showing up, and let consistency do the heavy lifting. If this resonates, drop a comment with the one habit you are committing to this month and subscribe for more Money School x Money Misfits.

In this episode of Growing Money with Sean Trace, I sit down with Joseph Rutakangwa, co-founder of Rwazi, to unpack how decision AI, powered by zero party data, helps real companies capture market share, lower acquisition costs, and grow customer lifetime value. We get practical about starting where the problem is, from my daughter’s eraser stand in Vietnam to lemonade stand logic, and why usefulness comes before passion, margin, and scale. Joseph breaks down signals over noise, simulated outcomes, and role based recommendations that guide the next best move for sales, marketing, and product teams. We talk about pricing your value, escaping second party thinking, and why human made art still matters. If you want a clear path from being helpful to being profitable, this conversation is a master class. Listen in, subscribe for more money and business breakdowns, and check out Joseph’s book Never Stay Broke for deeper tactics.

In this solo episode of Growing Money with Sean Trace, I open up about my own financial journey of finally setting up my Roth IRA and solo 401(k) at 46, tackling debt, and learning the discipline I should have had decades ago. Working with a financial planner has been eye-opening, and I’ve started using the classic envelope method to regain control over my spending.I share what I’ve learned about borrowing from tomorrow, how small “justifiable” expenses add up, and why awareness, boundaries, and consistency are the real keys to financial freedom. This episode is about slowing down, getting honest with yourself, and realizing that every dollar today is either building or stealing from your future self.If you’ve ever felt behind on money or unsure where to start, this one’s for you. The best time to start was years ago, but the second-best time is today.

On this episode of Growing Money with Sean Trace, I sit down with Patrick Negado, author of The Canoe and The Current and a retirement income and wealth transfer strategist with 28 years in the trenches. Patrick explains why most people are paralyzed by noise and conflicting hot takes, and how a simple, predictable plan beats complexity for the average retiree. We break down his Canoe and Current system, where your canoe is the reliable income that covers essentials like housing, taxes, healthcare, and core living costs, and the current is your market portfolio that you harvest when conditions reward you. Patrick shares hard lessons from the “dot com” era, why chasing returns can destroy trust, and how to use modern annuity features as one tool among many to create lifetime income without locking everything away. We talk about Bruce Lee, be water, building a retirement vision statement before you quit, and crafting a family financial philosophy so wealth is stewarded well across generations. If you want clarity, confidence, and a plan that fits your life, this conversation will help you build a solid canoe and ride the current to your destination.

On this episode of Growing Money with Sean Trace, I sit down with Michael Rodriguez, CFP, the founder of Equanimity Wealth, to talk about bringing real calm and clarity to our financial lives.We unpack why so many of us avoid money conversations, how that fuels constant low-grade anxiety, and why financial planning is really life planning. Michael explains equanimity, mental calmness and composure during turbulent times, and how education plus a simple plan can replace panic with confidence. We dig into money scripts, the unconscious beliefs from childhood that drive our choices, and we walk through practical wins anyone with a job can grab right now, employer benefits, 401k matches, HSAs and FSAs, even discounted legal help. I share how the envelope method changed my own spending awareness, why language with our kids matters, and why an emergency fund is emotional insurance as much as financial. We also cover market mindset, why time in the market beats reactionary moves, and when a human coach can keep you steady where robo tools cannot. If you want accessible, advice-only guidance, less stress, and a plan that fits your real life, this conversation is for you.

On this solo episode of Growing Money, I open up about something that’s been on my mind: the real value of time. I grew up in a family that didn’t talk about money, and for years I avoided the topic altogether. But when my daughter Ailani started asking me questions about money and how we spend our time, it forced me to face these lessons head-on. From teaching her about balance through piano and Minecraft, to realizing that every “free” project I take on costs me hours I can’t get back, I’ve learned the fastest way to stay broke is to act like your time is free. Your time is the most finite resource you have, and when you undervalue it, others will too. In this reflection, I share the mistakes I’ve made, the boundaries I’m learning to set, and why respecting the value of your time is one of the most important financial lessons you’ll ever learn.

In this episode of Growing Money with Sean Trace, I sit down with money and career coach Laura Sexton to talk about turning money shame into ownership, raising kids who understand money, and building a legacy that lasts. We unpack her journey from a bankruptcy scare and 370k in debt to a positive net worth and a fully debt free life. We get practical about time in the market, compound interest, 401k and Roth IRA basics, and how to replace “we cannot afford it” with “we are choosing to spend differently.” We also dig into teaching kids about credit cards, FICO, needs versus wants, and why authenticity beats perfection. If you care about financial freedom, family values, and the mindset that supports generational wealth, this conversation delivers clear steps, real stories, and hope you can use today. Listen in and start building your legacy with tools, habits, and consistent action.

On this episode of Growing Money with Sean Trace, I sit down with Thao Truong, CFP® and Certified Divorce Financial Analyst, to talk about the lessons she’s learned about money, both personally and professionally. Thao shares her unique perspective on how culture and family shape our money mindset, from growing up in Vietnam to building a career in the U.S. We dive into why wealth management isn’t just for the rich, the importance of patience and starting early, and why cash flow matters as much as returns. Whether it’s gold, real estate, or stocks, Thao explains how to approach investing with clarity and balance, and how financial planning can help everyone make smarter decisions for the future.

On this episode of Growing Money with Sean Trace, I sit down with Jason Blumer, CPA, to unpack why accounting is “the truth” for entrepreneurs. We dive into how owners go broke by siphoning too much from their businesses, why building savings and treating the company like its own entity matters, and the smart versus dangerous ways to use debt. Jason also shares insights on value pricing, money habits that support growth, and the importance of having trusted counselors to keep your decisions grounded.

In this episode of Growing Money with Sean Trace, I sit down with Caroline Piehl to explore the emotional side of money and why financial planning is about much more than numbers. We talk about money stories, the beliefs we pick up as kids that shape how we spend or save as adults, and how those stories impact everything from oversaving with a scarcity mindset to overspending because we assume money will always flow in.Caroline shares her passion for bringing financial literacy to college athletes, showing them how the skills they’ve mastered in sports can translate into financial success. We also dig into why the best advisors aren’t just technically skilled, they’re the ones who can connect, simplify, and guide clients through the emotions money brings.I loved this conversation because it highlights what I believe: money is never just about spreadsheets and investments. It’s about people, emotions, and the stories we tell ourselves. If you want to understand your own money mindset and learn practical ways to take control of your finances, this episode is packed with insights.

In this episode of Growing Money with Sean Trace, I sit down with Kevin Thompson, CFP, RICP, EA, for a conversation that blends his incredible personal journey with his professional insights on money and life. Kevin’s path started in Major League Baseball with the Yankees, and after an injury ended his career, he discovered his passion for finance. That journey included losing money to a Ponzi scheme, which gave him a firsthand understanding of why transparency and trust are so vital in this industry.Kevin and I dive deep into what true wealth really means. He explains the difference between being “rich” and being “wealthy,” why guaranteed income can sometimes matter more than millions in assets, and how consumption culture has distorted our sense of financial wellbeing. We also talk about the quiet, understated wealth that often carries more influence than flashy displays, and the importance of planning not just for retirement savings, but for what life will look like on day one after you stop working.This conversation is about more than finance, it’s about security, community, and redefining what success looks like, all through the perspective of Kevin.

I sit down with Rachel Onamusi to unpack practical, step-by-step strategies for growing a creative career, rebuilding mindset, and making money without losing yourself. We talk about surviving the pandemic, overcoming faux positivity, navigating the music industry for midcareer artists, finding the right collaborators like songwriters and producers, and why identity and money are inseparable. If you want honest, actionable advice on booking gigs, scaling creative projects, shifting limiting beliefs, and turning small daily tasks into big wins, this episode is for you, listen to learn how I stopped overthinking and started doing.