If you feel like you make “okay money” but still can’t get ahead, this episode will hit home.

Brad walks Ken through a full Real Wealth Review by breaking down spending, behavior patterns, debt decisions, and practical steps to finally build real financial freedom.

This conversation proves one thing:
Personal finance is NOT a math problem.
It’s a behavior problem.

Inside the episode:
• Why tracking your monthly spending is the real unlock
• How to stop financing depreciating assets
• When a newer car is actually hurting your wealth
• The power of a spending plan (not a budget)
• Why your active income alone won’t save you
• How to start building passive income the right way
• The faith-based principles that create lasting financial peace
• And how one tough IRS situation turned into a comeback story

If you’ve ever felt behind, inconsistent, or unclear about where your money is going—this episode will give you clarity, hope, and a path forward.

💡 Key Takeaways

• Wealth is built through behavior, not income
• A spending plan brings peace, direction, and control
• Eliminate liabilities before chasing passive income
• Don’t finance depreciating assets (especially cars)
• Create an LLC to lower taxes and keep finances clean
• Your monthly expenses are the real target—not your salary
• Financial freedom is possible at ANY age

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⏳ Chapters

00:00 – Introduction
01:30 – Your Biggest Financial Problem Isn’t Math
03:30 – The REAL Formula for Wealth (R.E.A.L.L. Explained)
06:45 – How to Clarify Your Legacy & Wealth Plan
10:30 – Where Most People Waste Money
13:45 – The Spending Plan vs. “Budget” Trap
15:40 – Debts, Loans & Why Fancy Cars Are Liabilities
19:05 – The Power of Paying Yourself First
23:10 – How to Turn Freelance Work Into Passive Income
27:05 – Taxes, S Corps, and Small Business Hacks
30:15 – Escaping the Paycheck-to-Paycheck Trap
34:20 – How to Build an Editing Business (And Still Have a Life)
38:15 – The 5 Steps to Real Wealth
42:10 – The True Freedom Formula (Work Because You Want To)
46:00 – Faith, Calling & Your Purpose Beyond Just Money
49:55 – Legacy, Giving, and Building a Wealth Plan for Life
54:12 – Final Wealth Rating & Action Plan