What if the real reason you’re stuck financially has nothing to do with your income… and everything to do with your identity?

In this emotional and eye-opening wealth review, Brad sits down with Marion — a single mom of four who’s been in survival mode for years — to uncover the hidden behavioral patterns, beliefs, and dependencies that quietly sabotage financial freedom.

If you’ve ever wondered “Why do I keep ending up in the same money situation?”, this episode reveals the honest, faith-centered truth most people never hear.

Together, Brad and Marion walk through the entire R.E.A.L. process — Reduce, Enlarge, Acquire, Live — while confronting deep-rooted habits, painful childhood stories, and the mindset shifts required to build real wealth built on purpose, not pressure.

This isn’t just budgeting. This is transformation.

✔ Why Marion’s issue isn’t budgeting — it’s decades-old survival patterns ✔ The shocking habits that secretly keep people in “working poor” mode ✔ Brad’s tough-love moment: confronting dependency and learned helplessness ✔ How to reset financially when you’re behind on bills, debt, and hope ✔ What to do when your income simply isn’t enough ✔ How to rebuild confidence, boundaries, and financial identity ✔ Why passive income is the long-term North Star — even when you’re starting at zero ✔ A step-by-step action plan Brad creates to help Marion stabilize, earn more, and reclaim her future

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00:00 - Introduction 01:02 - Meeting Marion 02:24 - Career History and Job Transition 04:42 - Current Financial Situation and Stress 06:04 - Identifying Passion vs. Current Work 08:42 - Analyzing Income and Monthly Expenses 12:11 - Reviewing Debt and Financial Dependencies 16:58 - Examining Spending Habits and Bank Statements 20:51 - The Problem with Financing Depreciating Liabilities 23:59 - Addressing Financial Enabling and Psychology 28:17 - Childhood Trauma and Its Lasting Impact 33:00 - Breaking the Cycle of Dependency 38:10 - The Trap of Government Assistance and Survival Mode 43:05 - Defining Legacy and a New Mindset 50:33 - The Real Wealth Formula Evaluation 57:01 - Presenting the Five-Step Success Plan 01:01:00 - Final Encouragement and Closing