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Most people believe their financial stress will disappear once they make more money. It won’t. In this episode of The Real Wealth Formula, Brad and Dr. Brian E. Arnold breaks down why income alone never creates freedom and why habits, stewardship, and structure matter far more than your paycheck. This is a practical, faith-driven conversation about: ✔ why people stay stuck financially for decades ✔ why lifestyle creep quietly destroys progress ✔ how avoidance keeps people stressed and overwhelmed ✔ and how real wealth is built slowly, intentionally, and with purpose If you’ve ever felt behind, discouraged, or confused about money, this episode will bring clarity, conviction, and hope. 🔑 KEY TAKEAWAYS ✔ You cannot out-earn poor financial habits ✔ Why income growth without discipline increases stress ✔ The real reason most people stay financially stuck ✔ How stewardship creates peace, not restriction ✔ Why responsibility comes before freedom ✔ The danger of delaying financial decisions ✔ The difference between being busy and being wealthy ✔ Why faith requires action in money ✔ How the R.E.A.L. process builds stability before growth ✔ Why long-term wealth is built, not stumbled into 🎧 Watch next: 👉 The Best Cities for Buy & Hold Real Estate (Price-to-Rent Rule) • The Best Cities for Buy & Hold Real Estate... 👉 How to Pick a Real Estate Market That Actually Cash Flows | John Webb | Ep 23 • How to Pick a Real Estate Market That Actu... The Real Wealth Formula is where faith meets finance — helping everyday people break free from financial stress and build lives of purpose, generosity, and freedom. --------------------------------------------------------------------------------------------------------------- WANT TO BE A GUEST FOR A REAL WEALTH REVIEW? We film in Denver, Colorado at our in-house studio. You’re welcome to travel (your expense), and we provide an honorarium for your time. Apply here: https://realwealthformula.com/be-a-guest --------------------------------------------------------------------------------------------------------------- LINKS Visit Reibiz to learn about innovative business models. https://reibiz.com/ Check out FreedomSoft for real estate investing tools. https://realwealthformula.com/sponsors Check out Propstream for real estate lead generation tools. https://realwealthformula.com/sponsors --------------------------------------------------------------------------------------------------------------- SOCIAL MEDIA CHANNELS • Facebook: Real Wealth Formula / realwealthformula • LinkedIn: Real Wealth Formula / realwealthformula • Instagram: @realwealthformula / realwealthformula • X: @realwealthshow / realwealthformula • TikTok: @realwealthformula / realwealthformula • YouTube: Real Wealth Formula | / @realwealthformula --------------------------------------------------------------------------------------------------------------- CHAPTERS --------------------------------------------------------------------------------------------------------------- #RealWealthFormula #FinancialFreedom #MoneyMindset #FaithAndFinance #BradHovis #BuildWealth #Stewardship #PersonalFinance #ChristianPodcast