In this episode of FINLYT by EWA, Matt Blocki is joined by Chris Pavcic and Jamison Smith to share powerful lessons learned from over 50,000 client meetings. Together, they explore what truly builds wealth, why high income does not always lead to financial independence, and how values-based planning drives better outcomes.

The conversation covers key financial mindset shifts, including the difference between being rich and being wealthy, the importance of simplicity over complexity, and the challenges of learning to spend after years of saving. They also introduce the concept of “money temperature” and explain why behavioral habits are often the biggest drivers of financial success or stress.

The episode wraps up with insights on how to trade time and money with intention, and how to design a plan that supports a meaningful, regret-free life.

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