You know how money works.
 You know what the smart financial move is.
 And yet—when stress hits or life gets busy—you fall back into the same patterns.

In this episode of Before the Returns, Jaden revisits how banks use money and explains why understanding the financial system alone doesn’t change behavior. Drawing from personal stories and real-life pressure moments, he shows how emotional conditioning and early money experiences quietly override logic.

This episode isn’t about learning another strategy.
 It’s about why financial knowledge doesn’t stick—and what actually has to change before behavior, control, and outcomes do.

Key Takeaways

• Financial knowledge doesn’t automatically change behavior
• Stress exposes your true money habits
• Early money experiences shape adult decision-making
• Familiar systems feel safe—even when they don’t serve you
• Structure must support behavior when emotions take over

Listener Reflection Questions

• When stress hits, what do you default to financially?
• Do you avoid, freeze, over-control, or take impulsive action?
• Where did that reaction first get learned?

Got feedback? Drop it here

Learn more at www.jadenzubal.com | Follow @jadenzubal | Join the *Before the Returns Weekly* newsletter

📩 Questions or ideas? Email: [email protected]

⚖️ Disclaimer: This podcast is for educational purposes only. It is not financial, tax, or legal advice. Always consult with a qualified professional before making financial decisions.