In this solo episode of Growing Money with Sean Trace, I open up about my own financial journey of finally setting up my Roth IRA and solo 401(k) at 46, tackling debt, and learning the discipline I should have had decades ago. Working with a financial planner has been eye-opening, and I’ve started using the classic envelope method to regain control over my spending.

I share what I’ve learned about borrowing from tomorrow, how small “justifiable” expenses add up, and why awareness, boundaries, and consistency are the real keys to financial freedom. This episode is about slowing down, getting honest with yourself, and realizing that every dollar today is either building or stealing from your future self.

If you’ve ever felt behind on money or unsure where to start, this one’s for you. The best time to start was years ago, but the second-best time is today.