Growing Money with Sean Trace

40 Episodes
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By: Sean Trace

Welcome to the Personal Finance and Entrepreneurship Podcast with your host, Sean Trace! In this podcast, we explore a range of topics related to personal finance, business, and entrepreneurship.With Sean as your guide, we dive into the world of personal finance and learn about how to manage and grow your money effectively. From saving for retirement to investing in the stock market, we cover everything you need to know to achieve financial freedom.In addition to personal finance, we also explore topics related to business and entrepreneurship. Whether you are a seasoned business owner or just starting out, this...

The Real Flex | Lillian Turner | Growing Money with Sean Trace
Today at 2:00 AM

In this episode, I sit down with CFP and registered life planner Lillian Turner to talk about the deeper side of money, from financial literacy and money trauma to debt, happiness, values, and what it really means to build wealth. 

We get into why so many people think they are bad with money when they were simply never taught, how coaching and financial planning can work together, and why true financial freedom is about more than just saving and investing. We also unpack the connection between money and meaning, the difference between return on investment and return o...


Money Mistakes Hurt | Sarah Brady | Growing Money with Sean Trace
Yesterday at 3:00 AM

In this episode, I sit down with financial educator Sarah Brady to break down one of the biggest questions people face with money: should you pay off debt or start investing? What we uncover goes way deeper than numbers. 

We talk about how most people never learn basic financial principles, why high-interest debt quietly destroys your wealth, and how emotional habits like guilt, fear, and avoidance keep people stuck financially. Sarah shares real stories from her time as a credit counselor, including how people make decisions based on inherited beliefs rather than facts, and h...


Money Needs Joy | Albania Espinal | Growing Money with Sean Trace
Last Thursday at 9:00 AM

In this episode, I sat down with Albania Espinal to talk about a side of money that does not get enough attention: how to build a financial life that actually feels good while still preparing for the future. 

We got into why so many people are taught to obsess over retirement without thinking about what brings them joy right now, how financial stress often comes from avoidance and emotional patterns, and why self-awareness is one of the most important money skills you can build. Albania shared how giving your money a job, creating simple spending buckets, and b...


Broke on Good Money | David Houston | Growing Money with Sean Trace
03/24/2026

In this episode of Growing Money with Sean Trace, I sit down with returning guest David Houston, financial coach, speaker, and small business consultant, to talk about the real money habits that shape our lives long before wealth ever shows up. 

We get into why so many young people still make the same financial mistakes, how social media and broke advice keep people stuck, and why knowing where you are financially is the first step to getting where you want to go. We talk about compound interest, student loans, debt c...


Money Hits Different | Drew Boyer | Growing Money with Sean Trace
03/19/2026

In this episode, I sit down with Drew Boyer, CFP and founder of Boyer Financial Group, to talk about the powerful connection between music, money, fatherhood, and what real wealth actually means. 

We dive into how Drew went from being a drummer to becoming a financial advisor, why rhythm and repetition matter in personal finance, and how good habits shape everything from saving money to raising resilient kids. We also get into financial literacy for children, the responsibility that comes with parenthood, how to avoid raising entitled kids, and why generational wealth is about s...


Broke By Default | David Gibbs | Growing Money with Sean Trace
03/18/2026

In this episode of Growing Money with Sean Trace, I sit down with financial and career coach David Gibbs for a real conversation about money habits, debt, budgeting, financial literacy, behavior change, and why so many people stay stuck even when they want better for themselves and their families. 

We get into why I started this podcast, how trying to teach my daughter about money pushed me to get serious about learning personal finance for myself, and why understanding the “why” behind our spending matters so much. David shares his approach to coaching, including how h...


Rich But Stressed | Ryan Johnson | Growing Money with Sean Trace
03/16/2026

One thing I’ve noticed after talking to financial advisors, entrepreneurs, and families is that making more money doesn’t magically make money stress disappear. In fact, sometimes it makes it worse.

In this episode, I sit down with financial advisor Ryan Johnson, who works with high-earning young families making anywhere from $200K to $500K a year. And what surprised me is that the biggest problem they face isn’t usually investments or market timing. It’s uncertainty. It’s that quiet voice in the back of your head saying, “I finally make good money… what...


Rich Still Broke | Cristian Mundy | Growing Money with Sean Trace
03/10/2026

In this episode, I sit down with Certified Financial Planner Cristian Mundy to talk about what really happens when people start making more money but still do not build real wealth. 

We get into financial literacy, lifestyle creep, immigrant family pressure, generational wealth, athlete and entertainer money mistakes, and why high income does not automatically mean financial security. Cristian shares what he sees behind the scenes with pro athletes, executives, and entertainers, and we unpack how money trauma, identity, and the wrong circle can quietly wreck someone’s future. 

This conversation is really about how to s...


Zombie Finance Survival | Growing Money with Sean Trace
03/09/2026

In this episode of Growing Money, I introduce one of the strangest, and honestly most fun, frameworks I have ever used to explain personal finance. I am building a new book that breaks financial survival down through the lens of a zombie apocalypse. It sounds ridiculous at first, but the more I thought about it, the more the metaphor made sense. In every zombie movie there is always a moment before everything collapses, that first week when something feels off but people are still going to work, ordering food, scrolling their phones, and pretending nothing is wrong. That moment...


Lifestyle Creep Trap | Matthew J. Filepp | Growing Money with Sean Trace
03/06/2026

In this episode of Growing Money with Sean Trace, I sit down with Matthew Filepp, CFA, CFP®, founder of PB Wealth in Charlotte, North Carolina, to talk about what actually makes financial progress stick, especially for people who are busy, high-achieving, and still feel like their money disappears. 


We get into why fee-only, advice-only financial planning builds real trust, how lifestyle creep quietly turns higher income into long-term stress, and why “what you’re approved for” is not the same thing as “what you can afford” if you want freedom later. Matthew breaks down a simple mon...


Stop Wandering, Start | Bryan Jepson MD, CFP | Growing Money with Sean Trace
03/05/2026

In this episode of Growing Money with Sean Trace, I sit down with Bryan Jepson, a former emergency medicine physician who just retired after a 30 year career and made a bold transition into the financial world as a CFP financial advisor. 


We talk about why so many people feel behind with money, and why that feeling is usually not about a number, it is uncertainty and a lack of structure. Bryan breaks down what it really takes to make real change, clarity, a simple plan, and a team that keeps you accountable, the same w...


From Survival to Stability
02/27/2026

In this episode of Growing Money, I sat down with CFP Uziel Gomez to talk about something that doesn’t get discussed enough in personal finance, what it actually feels like to be a first-generation wealth builder. We didn’t just talk about investing or retirement accounts. 

We talked about money mindset, survivor mentality, overspending versus hoarding, being your parents’ retirement plan, and the guilt that can come with earning more than anyone in your family ever has. I shared my own experience of growing up without strong financial guidance, making mistakes when income increased, and realizing that ea...


Go Viral Daily | Ramon Ray | Growing Money with Sean Trace
02/25/2026

Two years ago, I recorded this conversation with Ramon Ray for the Growing Money podcast. 

And then… the audio failed.

At the time, I couldn’t properly process it. The quality just wasn’t there. So it sat. Now, with new AI tools, I’ve been able to restore the audio and finally bring this conversation back to life.

Quick apology to Ramon for the long delay, and big shoutout to him. His message on visibility, trust, and building a strong personal brand is just as relevant...


Debt Free For Real | Sandra Park | Growing Money with Sean Trace
02/11/2026

In this episode of Growing Money with Sean Trace, I sit down with returning guest Sandra Park, a Ramsey financial coach, engineer, single mom, and debt free multimillionaire, to get brutally clear on what “debt free” actually means in real life. 

We break down the difference between being consumer debt free versus truly 100 percent debt free, why credit card interest rates are the real silent killer, and why people with good intentions still end up stuck in the cycle. I share my own credit card payoff journey, the mindset shift that helped me stop seein...


Stop Selling Hours | Joe Moss | Growing Money with Sean Trace
02/05/2026

In this episode of Growing Money with Sean Trace, I sit down with Joe Moss, founder of Advisor Techbook, to talk about a problem almost everyone has but few people solve, how to charge more money without feeling like a fraud. 

Joe breaks down a simple but mind-shifting idea, people invest in potential all the time, so your job is to get clear on what you are building, what you actually want to do, and how to back into the real value of your time. We get into the difference between earning what you want and becoming t...


Freedom is saying no | Asher Dahlgren | Growing Money with Sean Trace
02/03/2026

In this episode of Growing Money with Sean Trace, I sit down with Asher Dahlgren, a young entrepreneur and founder of Dahlgren Social, to talk about financial independence, financial literacy, and what it actually takes to build wealth early without pretending it’s complicated. 


We get into why schools still don’t teach money basics, how stigma and jealousy keep people quiet about finances, and why I believe money is just a tool, not a personality test. Asher breaks down his simple “three buckets” framework, earning, managing, and investing, and explains why getting good at two ma...


Get Rich Slow | Brian Carney | Growing Money with Sean Trace
01/29/2026

In this episode of Growing Money with Sean Trace, I sit down with Brian Carney, partner and founder of RiversEdge Advisors, an independent wealth management and registered investment advisory firm in Delaware, to talk about the side of money nobody can spreadsheet, the emotional, behavioral part that drives real decisions. 

Brian shares how he accidentally became a financial advisor after ditching a physical therapy path, and what it taught him starting in a world-shaking moment like September 11th, that trust and relationships matter before credentials, calculations, or perfect answers. We get into behavioral finance, m...


Keep It Simple | Patrick Yaghoobians | Growing Money with Sean Trace
01/27/2026

In this episode of Growing Money with Sean Trace, I sit down with Patrick, a CFP and the founder of Noor Financial Services, to talk about the real starting point for building financial security, awareness. 

We get into why so many people feel overwhelmed by personal finance, especially if they were never taught money at home or in school, and how simple daily habits like checking your accounts, reviewing bank and credit card statements, and spotting hidden subscription spending can create fast “aha” moments. Patrick shares how he approaches younger professionals navigating big life chang...


Intentional Money Reset | Felicia Greenwald | Growing Money with Sean Trace
01/22/2026

In this episode of Growing Money with Sean Trace, I sit down with tax planner and financial pro Felicia Greenwald to talk about how to stop being reactive with money and start getting intentional, especially with taxes, spending, and retirement planning. 

We dig into why so many people fall for viral money tips and tax “hacks,” why “it’s a write off” can still be a terrible decision, and how simple habits like actually looking at your expenses can change everything. We also get real about financial anxiety, how it hits people at every income leve...


Make the Most of Your Money | Taylor Stewart | Growing Money with Sean Trace
01/20/2026

In this episode, I sit down with financial planner Taylor Stewart for one of the most honest conversations I’ve had about money, uncertainty, and what real financial planning should look like. We talk about the messy reality of life, diapers, dogs, spilled coffee, bad first dates, and why those imperfect moments actually mirror how most of us handle money. Taylor shares how growing up around financial planning gave him one vision of the profession, only to discover later that much of the industry is built around selling products instead of giving real advice. That realization pushed him to...


Money Noise Detox | Hannah Newberry | Growing Money with Sean Trace
01/14/2026

In this episode of Growing Money with Sean Trace, I sit down with financial coach Hannah Newberry from Map Your Money to talk about the real foundation of personal finance, budgeting, debt payoff, saving, and starting to invest without getting sucked into market panic or the nonstop noise of social media. 

We break down why “confident advice” from friends or family can still be wrong, how to spot the difference between helpful guidance and loud opinions, and what it actually looks like to stay calm when your 401(k) drops or you feel crushed by a mou...


Who’s Actually Helping? | Steven Fox | Growing Money with Sean Trace
01/13/2026

In this episode of Growing Money with Sean Trace, I sit down with Steven Fox, a former Marine turned CFP who built, scaled, and sold his financial planning firm, and is now reshaping how financial advice works. 

We dig into the uncomfortable truth behind traditional financial planning, why so many advisors are really salespeople in disguise, and how everyday people get stuck buying products they do not actually need. Steven breaks down what real financial planning should look like, why advice only models remove hidden incentives, and how to spot whether someone is truly h...


Average Investing Wins | Stephen Schiestel | Growing Money on Sean Trace
01/07/2026

In this episode of Growing Money with Sean Trace, I sit down with Michigan State finance professor and registered investment advisor Steve Schiestel to talk about personal finance basics that actually stick, especially saving habits, wants versus needs, building an emergency fund, and why most people do better being consistent savers than trying to be genius investors. 

We start with kid level money questions like what money is, how to save even a little, what to do with ten dollars, and how kids can earn money, then we zoom out into the real gaps i...


Main Character Budgeting | Steve Heinemann | Growing Money with Sean Trace
01/06/2026

In this episode of Growing Money with Sean Trace, I sit down with Steve Heinemann, a financial planner in Southern California who helps busy mid-career professionals and families create financial clarity, reduce money anxiety, and make confident decisions even when real life is messy. 

We talk honestly about how chaos at home can spill into your money life, why an emergency fund matters more than people think, and how high earners still get stuck when they do not have a clear view of cash flow and priorities. Steve breaks down how to stop drifting f...


Retire Without Panic | Ron Kmetovicz | Growing Money with Sean Trace
01/02/2026

In this episode of Growing Money with Sean Trace, I sit down with Ron Kmetovicz, a 78 year old dad, grandpa, and great grandpa who built his life as an engineer and entrepreneur, and now wants to pass down a simple, real-world pathway to financial independence. 

Ron breaks financial freedom down into something you can actually remember and actually do, a five step process he teaches using nothing but his hand, abandon destructive behaviors, adopt effective behaviors, engage in meaningful work, invest wisely, and become financially independent. We talk about why most people feel behind, e...


Winning The Money Game | Randy Gage | Growing Money with Sean Trace
12/23/2025

In this episode, I sit down with Randy Gage for one of those conversations that just goes deep: talking about prosperity, what it actually takes to build something, and the mindset shifts that change everything. We get into why entrepreneurs are really just artists, why money isn't the point (it's just a tool), and why most people are playing the money game with the wrong rulebook. Spoiler: cutting out your daily coffee isn't the strategy.

Randy opens up about his journey from poverty and failure to building multiple multimillion-dollar businesses, and we dig into...


Purpose Beats Paychecks | Adam Bruderly | Growing Money with Sean Trace
12/16/2025

In this episode of Growing Money with Sean Trace, I sit down with Adam Bruderly, founder of the 903 Collective and a former Vanguard finance leader, to talk about the question that quietly changes everything, what is your enough number. 

We dig into why chasing a bigger title, a bigger account balance, or some imaginary finish line can leave you emptier than you expected, and how real wealth looks more like time, presence, health, relationships, and meaningful experiences than it looks like stuff. Adam shares how surviving 9/11 while working in the World Trade Center reshaped h...


Purpose Beats Paychecks | Adam Bruderly | Growing Money with Sean Trace
12/16/2025

In this episode of Growing Money with Sean Trace, I sit down with Adam Bruderly, founder of the 903 Collective and a former Vanguard finance leader, to talk about the question that quietly changes everything, what is your enough number. 

We dig into why chasing a bigger title, a bigger account balance, or some imaginary finish line can leave you emptier than you expected, and how real wealth looks more like time, presence, health, relationships, and meaningful experiences than it looks like stuff. Adam shares how surviving 9/11 while working in the World Trade Center reshaped h...


When “Not Me” Happens | Broc Buckles | Growing Money with Sean Trace
12/10/2025

In this episode of Growing Money with Sean Trace, I sit down with insurance pro Broc Buckles to talk about the unsexy side of wealth that actually keeps your whole plan from falling apart. 

We get into why fee-only financial planners are such a game changer for regular people, how term life insurance, disability insurance, and umbrella policies quietly protect your future, and why “it won’t happen to me” is one of the most dangerous beliefs you can carry into adulthood. Broc breaks down, in plain English, how disability insurance can protect your income, why locking in term...


Manifesting Your Money Life | Justin Castelli | Growing Money
12/03/2025

In this episode of Growing Money with Sean Trace, I sit down with financial advisor and life planner Justin Castelli to talk about what it really means to live an authentic life and align your money with who you actually are. 

We get into intuition, synchronicity, manifestation and the law of attraction, but in a grounded way that still respects real world financial planning, budgets and cash flow. Justin shares how he shifted from traditional retirement and investment planning into life planning, helping clients define their purpose, values and vision first, then building the financial plan around t...


Millionaire Money Playbook | Jackson Larimer | Growing Money with Sean Trace
11/27/2025

In this episode of the Growing Money with Sean Trace podcast, I sit down with financial coach and counselor Jackson Larimer, host of the Money with Jackson podcast and a creator of a powerful millionaire interview series, to dig into what really separates people who get rich once from those who stay wealthy over the long term. 

Jackson walks me through the three main millionaire paths, the stock market, real estate, and business ownership, and we talk about how financial education, simple tools, and a clear “why” matter more than flashy strategies or complex products. I share my ow...


Freedom Over Flex | Grant Ellis | Growing Money with Sean Trace
11/21/2025

In this episode of the Growing Money podcast I sit down with Grant Ellis to get brutally honest about what building real wealth actually looks like in real life. 

We talk about how our definition of wealth changes once kids show up, why freedom of time matters more than flexing on social media, and how much of personal finance is really psychology, behavior and self talk. Grant breaks down simple but powerful habits like building an emergency fund, tracking your spending, getting out of credit card debt and living below your means so you can stop chasing l...


Money Moves Only | Kyle Luetters | Growing Money with Sean Trace
11/18/2025

In this episode, I bring on CFP and enrolled agent Kyle Luetters to talk about making real money moves that actually fit your life. We go deep on the mindset shift from “I am bad with money” to “I just never learned the rules yet” and how a single paycheck and a newborn pushed Kyle to build a system that now helps his clients thrive. We hit on tax planning as a superpower, not a fear, how to stop giving the IRS a zero interest loan, and why consistency beats vibes when it comes to investing. I share stories from mar...


Debt Payoff Cheatcode | Anthony Degli Obizzi Jr. | Growing Money with Sean Trace
11/13/2025

In this episode of Growing Money with Sean Trace, I sit down with financial planner Anthony Degli Obizzi Jr. to talk real life money, not fantasy TikTok finance. We break down the debt avalanche vs snowball methods, how to actually pick the one that fits your personality, and why having a money plan beats winging it every single time.

I share parts of my own journey paying off credit cards, and Anthony walks me through how he helps clients, especially high earning attorneys, set up a simple money flow system so they can pay down debt, build...


Beat Lifestyle Creep | Rick Luchini | Growing Money with Sean Trace
11/11/2025

I sat down with financial advisor Rick Luchini to talk real financial freedom, not the grindy misery version. 

We get into living within your means without living small, beating lifestyle creep, and the simplest budget that actually works, pay yourself first with separate accounts, then spend the rest guilt free. We talk return on life over return on investment, building experiences with your family, and how to stack income streams you actually enjoy. If you are 25 to 45 and stuck between TikTok hot takes and advice for millionaires, this is your middle lane. 

We break down st...


The 5 Buckets of Profit First | Growing Money with Sean Trace
11/10/2025

What’s up everyone! In this episode of Growing Money with Sean Trace, it’s just me today, and I’m hyped to share a huge win. I finally paid off my credit card! And the reason I was able to do it is because I started using something that completely changed how I handle money in my business: The 5 Buckets of Profit First.

I’ve always been the type who struggled with managing money, but after working with an amazing certified financial planner, I started applying the Profit First method and it’s been a total game chang...


Why Most People Quit Too Soon (and How You Can Keep Going) | The Sean Trace Show
11/07/2025

In this solo episode, I open up about something we all struggle with: quitting too soon. I talk about how, growing up, I bounced between instruments and sports, never sticking long enough to see progress. I even joke about faking guitar in my wife’s music videos because, honestly, I quit before I ever got good. But that’s the point! We all hit “the dip,” that frustrating middle zone where excitement fades before the results show.

I share how my daughter Ailani hit that same wall learning piano, and how staying consistent turned endless “Mary Had a Little L...


Legacy Over Luxury | Zee Barfoot | Growing Money with Sean Trace
11/05/2025

I sit down with CPA firm owner Zee Barfoot to talk real money mindset, not just spreadsheets. We get into why driving a paid off beater can beat flex culture, how to avoid credit card traps, and the non negotiables like paying your taxes on time, building an emergency fund, and getting simple term life insurance. We jam on couples and cash, aligning goals before budgets, and why treating yourself like a business, know your numbers, track your progress, changes everything. We touch Dave Ramsey, feelings over formulas, and how purpose and legacy guide every financial move. Zee shares...


Return On Life | Lillian Turner | Growing Money with Sean Trace
10/30/2025

I brought on Lillian Turner, a Certified Financial Planner and Registered Life Planner, to talk about money the way real people live it. We dig into money stories, mindset, and why most of us were never taught this stuff in school. Lillian shares how growing up around money stress shaped her beliefs, how she dug out of credit card debt, and why knowledge without implementation keeps people stuck. 

We get into practical coaching, the EVOKE method from George Kinder, and the Three Questions that help you build a values driven plan. We riff on ROL, return on l...


Mindset Glow Up | Paulina Tillman | Growing Money with Sean Trace
10/27/2025

I sit down with Paulina from Mindset Mastery Tribe to unpack how ex corporate pros can rewire their thinking, scale fast, and actually enjoy the climb. We get real about breaking old programming, using time, space, repetition to shift identity, why daily accountability beats New Year hype, and how money beliefs either block or attract clients. 

We riff on You Squared, the Science of Getting Rich, and the power of a true mastermind that meets every day. I share my own Ls, wins, and why feeling good is a strategy, not fluff. If you are leaving the 9 t...