Dr. Joaquin Wallace, a former athlete turned financial empowerment strategist, discovered this while working with both millionaires and people drowning in debt: the same emotional triggers and childhood money stories (“scar tissue narratives”) sabotage everyone, regardless of income. His 7-Stage Generational Wealth Model starts in the past—your “walls in” (what you learned at home) and “walls out” (what you saw in the world) create inherited financial narratives and encoded behaviors that form your unique financial genetic code. Until you name and heal these invisible scripts, more budgeting spreadsheets or stock tips won’t stick—you’ll just keep reverting to old patterns when life gets stressful.