In this episode, I break down the real reasons why so many Americans are broke (and no, it’s not just one thing). I’ll get into eight key drivers, from wage growth not keeping up with costs to housing, healthcare, and student loan debt eating away at your flexibility.

But the bigger issue? Behavior. Things like consumer debt, lifestyle inflation, and low financial literacy are keeping people stuck. My experience is that most people earn linearly, spend emotionally, and invest too late (if at all).

The fix isn’t complicated, but it does require discipline. Increase your income intentionally, control your fixed costs, invest consistently, and think long term. If you can flip that script, you’re putting yourself in a completely different financial position.