Dr. Brad Klontz, a financial psychology expert, and Adrian Brambila, a successful online entrepreneur, reveal 21 harsh truths about wealth building. They emphasize that rich individuals invest in time and passive income rather than material possessions. Klontz shares insights on the psychological impacts of luxury spending, while Brambila discusses his shift to investing for passive income. They also challenge traditional views on college and homeownership as prerequisites for success, advocating for proactive planning and financial independence instead.

Join Dr. Brad Klontz, a financial psychologist and co-author of "Start Thinking Rich," alongside Adrian Brambila, a former professional dancer turned finance guru. They dive deep into the harsh truths about money, revealing how mindset shapes financial success. Discover why it's essential to eliminate toxic influences, embrace accountability, and take charge of your financial journey. With anecdotes ranging from their unique backgrounds to insights on achieving financial freedom, their candid discussion is a wake-up call for anyone looking to transform their finances.

Dr. Brad Klontz, a financial behavior psychologist, and Adrian Brambila, a TikTok star, discuss how life’s challenges don’t necessarily get easier but how we can develop skills to handle them. They emphasize mindset shifts necessary for wealth building and the importance of automating finances to avoid debt traps. The duo offers tough love and practical tips for financial health while breaking down debt patterns in U.S. cities, urging listeners to rethink their approaches to money management and personal responsibility.