Dr. Brad Klontz is a leading expert in financial psychology, professor, bestselling author, and, oh yeah — an internet influencer with millions of followers who tune in for his mix of straight talk and practical money wisdom. He joins Bill for a deep dive into why most money problems aren't math problems. Instead, they are about what's going on in our heads and in our habits. In this episode, Brad discusses:

1. Why smart people still make dumb money mistakes
2. The difference between poor and broke
3. The 4 money scripts (avoidance, worship, status, vigilance)
4. Why he argues that an internal locus of control is the ultimate wealth engine
5. A no-nonsense roadmap for breaking bad money patterns and building real financial freedom

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