The Money Habits Keeping You Poor (And How to Fix Them)
Dropping Bombs
Brad Lea
4.9 • 2.3K Ratings
🗓️ 7 May 2026
⏱️ 74 minutes
🧾️ Download transcript
Summary
This episode was sponsored by Cardiff, Prosperitas Financial & Jerry Citarella Presents
LightSpeed VT: https://www.lightspeedvt.com/
Dropping Bombs Podcast: https://www.droppingbombs.com/
Today's Dropping Bombs episode gets brutally honest about money with Jerry Citarella — 35-year top-percentile financial advisor, bestselling author, and founder of Prosperitas Financial.
Jerry breaks down the pay-yourself-first system most advisors skip, why emotional investing destroys portfolios, the needs-vs.-wants reality check that actually changes behavior, and how to start building wealth even if you're starting late. He also unveils LetsTalk.money — an AI platform built to help people have the hard financial conversations they've been avoiding.
Doesn't matter if you have $500 or $5 million, the principles in this conversation will change how you think about money for the rest of your life.
🔗 Connect with Jerry
Instagram: https://www.instagram.com/jerrycitarella
YouTube: https://www.youtube.com/@JerryCitarellaPresents
Website: https://www.prosperitasfin.com
AI Financial Platform: https://www.LetsTalk.money
Email: jcitarella@pfria.com
📚Books Mentioned
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The Truth Hurts Help Series by Jerry Citarella — Currently available as signed hard copies directly from Jerry. Reach out via his socials or website to request one.
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The Richest Man in Babylon by George S. Clason
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The Millionaire Next Door by Thomas J. Stanley
Watch the full-length video version of any Dropping Bombs episode here on YouTube.
Brad Lea is a self-made entrepreneur who turned small-town grit into a multi-million-dollar empire. With over 25 years dominating sales and leadership, he's mentored thousands to outsmart, outwork, and out win their competition. His top-rated podcast, Dropping Bombs, brings raw, game-changing insights from the biggest names in business.
LightSpeed VT is Brad's brainchild—the world's leading interactive training platform. It's built to make your team sharper, faster, and more effective, without wasting time or money. Whether you're a startup or a Fortune 500, LightSpeed VT is how you scale success and dominate your industry. Curious? Check it out:
https://www.lightspeedvt.com/
Brad's also behind Closer School, the go-to program for mastering sales and closing deals like a pro. Want to 10x your income? This is where you start. His book, The Hard Way, lays out the brutal, honest lessons he learned building his empire—your blueprint to winning the game. Get it here: https://bradlea.com/product/the-hard-way/
This isn't just a video. It's a wake-up call. Watch it. Share it. Act on it.
Closer School: https://www.closerschool.com/cs
Transcript
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| 0:00.0 | If getting rich and being successful and investing was easy, everybody would be because there's a thousand books out there. |
| 0:04.9 | It's not that easy. You have to build the stability first and get that in place and then you can go after the wealth. |
| 0:10.0 | So what we like to do is put a plan together that's as strong and stable and predictable as possible. |
| 0:15.9 | Before you know it, you have this pile of money that you never, ever would have. |
| 0:19.3 | I think lifespans are increasing but they |
| 0:22.0 | won't tell us because people will lose their minds if they find out that they have to now have enough |
| 0:26.9 | money to live to 105 on average you're making 120 grand a year you haven't been saving you're 40 years old |
| 0:32.8 | what do you do uh first thing you do is... What it is, Brad Lee, back again with another episode of dropping bombs today in the |
| 0:43.5 | studio, folks. |
| 0:44.5 | I got a real treat for you, especially if you like money, Jerry Citarella in the house. |
| 0:49.8 | Who doesn't like money, Brad? |
| 0:51.2 | Who doesn't? |
| 0:51.7 | Everybody likes it, but not enough people can keep it. |
| 0:55.8 | You know, keeping it is sometimes harder than getting it. |
| 0:58.1 | A lot of people get rid of it as fast as they found it. |
| 1:00.7 | Yeah, there you go. |
| 1:01.7 | How many times have you gotten rid of it? |
| 1:03.3 | Every time I get it. |
| 1:05.1 | Just recently, just recently, I'm waking up. up like in other words i'm mentally 30 okay and uh physically |
| 1:16.3 | uh 57 sounds so old are you 57 yeah i'm 57 i'm 57 i'm same age we're the same age |
| 1:24.5 | yeah look at that and um it's not old and i I've been blowing money for 58 years. You know what I'm saying? You started fast. I started in the beginning. But, but, you know, it's stupid. And now that I know, and I'm older, it's like, damn, I got to catch up. So that's why I'm glad you're here. And people better pay attention because Jerry Citarell is one of the |
| 1:45.5 | world's foremost experts on financial planning, financial keeping, I like to call it. Because that's |
... |
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