In this episode of Growing Money with Sean Trace, I sit down with returning guest David Houston, financial coach, speaker, and small business consultant, to talk about the real money habits that shape our lives long before wealth ever shows up.

We get into why so many young people still make the same financial mistakes, how social media and broke advice keep people stuck, and why knowing where you are financially is the first step to getting where you want to go. We talk about compound interest, student loans, debt culture, budgeting without feeling restricted, raising money-smart kids, and the emotional weight debt puts on your life and marriage. David also shares practical advice on choosing between college, community college, and trade school, how to stop comparing yourself to everyone online, and why having a clear “why” is the key to changing your financial future. We even dive into one of the biggest money traps out there: buying a car.

This conversation is packed with practical personal finance advice, debt payoff strategies, budgeting mindset shifts, financial literacy tips for families, and honest insight for anyone who makes decent money but still feels broke at the end of the month.

What do you think keeps more people stuck financially today: debt, bad habits, or chasing a lifestyle they can’t actually afford?

Broke on Good Money | David Houston | Growing Money with Sean Trace