In this episode of Wealth Without Borders w/ Tone, we dive deep into the lessons most of us wish we learned earlier — how debt, credit cards, and car payments silently steal our freedom.

Tone breaks down the hidden money traps we fall into when we’re young the urge to “look successful,” the cultural pressure to help family before building our own foundation, and how small habits can turn into lifelong debt.

This isn’t about shame — it’s about awareness. Because real wealth doesn’t come from what you show — it comes from what you keep.

By the end of this episode, you’ll learn how to avoid the biggest money traps in your 20s and 30s, and start building a financial foundation that lasts for generations.

Welcome to Episode 3 of Wealth Without Borders — where we break free from old habits, shift our mindset, and build a life of freedom, no matter where we come from.

Timestamps:

00:00 — Welcome to Episode 3: What I Wish I Knew in My 20s (and 30s)

02:05 — The pressure to “look successful” and the trap of appearances

06:40 — The car trap: why new cars can quietly destroy your future

11:15 — The million-dollar alternative: turning car payments into wealth

14:40 — The credit card trap: how minimum payments keep you stuck

18:25 — The psychology of debt and how it steals your peace

21:10 — The cultural side: family, generosity, and building your own foundation

24:45 — Quiet wealth: the peace that comes from living below your means

27:20 — Redefining success: from looking rich to being free

29:30 — Final thoughts and outro