Money Ripples Podcast

“You’re Not Broke… But You’re Still Not Free (Even If You Followed Dave Ramsey)”


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You’ve done everything "right" you scrimped, you saved, you paid off debt, and you packed your 401(k) for decades. But deep down… you still don’t feel financially free. Why?

In this episode, I break down why financial freedom is not a number, and why savers especially disciplined ones can end up trapped in the exact system they worked so hard to follow.

You’ll hear me react to a powerful call into The Ramsey Show where a man with $1.7 million saved admits he still feels afraid to spend even $4,000 on a vacation. Despite doing all the "right" things working hard, saving consistently, staying out of debt he's still trapped in a scarcity mindset. And what Dave Ramsey told him next was surprisingly good… but also reveals a deeper issue that never gets addressed in traditional financial advice.

Here’s the truth: money is meant to be used, not hoarded. Saving is a tool, but stewardship is a mindset. I’m not here to shame savers I used to be one. But the problem is that most of us were taught to fear money, not to master it. That fear follows you—whether you have $100K, $1 million, or $10 million. You never feel free because you were never taught how to think like someone who is free.

In this episode, I challenge the entire way we define retirement, wealth, and freedom. I offer a new path a steward's mindset where you stop living for “someday” and start asking, “What kind of impact could I make now?”

I walk you through:

- Why even “rich” people don’t feel free - How fear and scarcity block your ability to enjoy life - What it means to be a steward vs. a saver - How to use your money to create meaning, not just survive - Why $50K a year from $1.7M isn't enough and how to do better - The one mindset shift that creates peace around money

If you’ve ever felt like you’re doing everything right, but still feel like something’s missing you’re not crazy. 

You’re stuck in a system that was never designed to set you free. It's time to flip the script and reclaim your financial power.

Financial freedom isn’t a number. It’s a mindset. A way of being. And it’s available to you now not 30 years from now.

Ready to become a true steward of your wealth? Then listen in and let’s start living life differently.

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