All right, hot take here, but when it comes to your money, there are some harmful habits that have become way too normal.

So today we're going to talk about five common money practices that are really holding you back.

Now, make sure to like, subscribe, and share this episode with a friend before we get started.

All right, first and foremost, is believing that debt isn't a big deal.

So there is this lie that debt is just normal.

And honestly, that's the truth, because it is normal.

But also, when we look at statistics, we know that normal is broke.

As of September 2025, 49% of Americans reported that they are

living paycheck to paycheck. So when something is just normal in life, and it's what everyone does

with their money, you want to examine, okay, so where is normal? And if that is what the average

person, literally half of America is doing, is living paycheck to paycheck, then we know we don't want to be normal. We want to be weird. We want to be different. We want to do something that people aren't doing, that it's keeping them in this normal cycle, and one of those is debt. So normalizing the idea that your paycheck comes in, and it goes back out eight different directions with student loans and credit cards and car loans

and like personal loans and that's just how life is then for years and decades of your working life

your hard-earned money is now going to other people and not you so let's normalize becoming debt-free

and not living with payments all All right, number two,

believing that debt will get you ahead. So there is a lot of this attitude that debt is a good thing,

right? So some people are like, oh, student loans, that's a great thing because you're going to get

a great education. Real estate investing when you look in that world. Oh, my gosh. Yeah,

if you want to get ahead and you want to actually make tons of wealth, you have to own a bunch of real estate. And to do that, you don't have the cash for it. So you could put zero percent down. And don't worry, because the renters will pay the mortgage and you're going to build up all this equity. And then you could sell it for millions of dollars later and you're going to become wealthy and rich. That's in that industry and then you look a car and and everyone's like, well, listen, you know, you don't want to drive a crappy car. That's not a fun experience. And, you know, depending on where you are in life, like you want to be taken seriously. And so, you know, you can't have this, like, crappy junky car. People are going to judge you for it and not think that you are successful in what you're doing and the type of career you're

in. And so there is this persona, whether it's professional or personal, to keep up. So who can buy

a $70,000 car in cash? Because it has to be a nice car. So might as well just take the payment

and that's how you live. Right. And so it is this, you guys, that debt somehow is going to get us ahead.

And that is a constant, subtle message that we hear to use debt as a tool, again, to get you ahead financially and ultimately become wealthy.

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