64% of Americans Are Stuck Here Financially (Are You?)

Money Guy Show

Brian Preston, CPA, CFP®, PFS and Bo Hanson, CFA, CFP® | Fee-Only Fiduciary Advisors

Education, Investing, Business

4.7 • 3.1K Ratings

🗓️ 26 December 2025

⏱️ 32 minutes

🔗️ Recording | iTunes | RSS

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Summary

Are you one of the 64% of Americans wandering through their financial life without a plan? We walk through each step of the Financial Order of Operations and reveal where the average American stands with some truly shocking statistics. From the 54% who can't cover three months of expenses to the 46% carrying high-interest debt, the numbers paint a concerning picture. The good news? Building wealth doesn't have to be complicated when you follow a system to build your army of dollar bills. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Jump start your journey with our FREE financial resources⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Reach your goals faster with our products⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Take the relationship to the next level: become a client⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Subscribe on YouTube for early access and go beyond the podcast⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠Connect with us on social media for more content⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠ Bring confidence to your wealth building with simplified strategies from The Money Guy. Learn how to apply financial tactics that go beyond common sense and help you reach your money goals faster. Make your assets do the heavy lifting so you can quit worrying and start living a more fulfilled life. ⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠⁠DRINKAG1.com/MONEYGUY Learn more about your ad choices. Visit megaphone.fm/adchoices

Transcript

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0:00.0	Get this, almost two-thirds of America get stuck here with their money.
0:04.6	Are you one of them?
0:05.6	Brent, I am so excited because we love showing folks how to do money better,
0:10.6	and that's exactly what we're going to do today.
0:12.3	So we're going to show you where on the wealth-building journey Americans are and how to level up.
0:18.3	With that, let's jump right in.
0:26.2	Okay. and how to level up. With that, let's jump right in. Brian, would you believe it if I told you that 64% of Americans right now don't have a financial
0:32.9	plan? And frankly, that breaks our heart, not because a financial plan is necessarily a must to build wealth,
0:40.1	but building wealth can be amazingly simple.
0:44.0	We've tried to simplify, and yet most Americans are out there wandering around, not knowing what to do.
0:49.9	Well, I mean, it's more personal in that.
0:51.6	I mean, think about the fact that if you start a journey, you don't know where you're going, you're basically wandering around the woods. And then here's the fact, we have an all-terrain system that will help you navigate this. I mean, and this thing is battle-tested. 50 years' worth of experience went into designing this, it breaks my heart that people aren't
1:12.0	taking advantage of it. Well, and I think it's so interesting is what we're going to walk
1:14.9	through today is where is the average American as it relates to the financial order of
1:19.3	operations? And there are some shocking stats in here that I think are going to blow your mind.
1:23.2	And the question becomes, okay, why are these numbers so shocking and why do they seem so out of the ordinary?
1:30.8	And I think it's because a lot of Americans on their financial journey, they don't recognize that there is a better way to do money.
1:38.2	There is a system that if you apply the financial order of operations, you can put yourself in a great place, but Brian,
1:45.0	a lot of folks don't do that. A lot of folks take a different route. Well, I love, because we just
1:49.8	gave a shocking stat with that two-thirds number. We're going to actually be going deeper into
1:55.0	stats for every one of the steps of the financial order of operations, but I already know
1:59.3	our financial mutants or our great audience. You're going to quickly realize this doesn't add up to 100.
	...

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