How to Break the Financial Patterns That Keep You Stuck | Real Wealth Review with Marion | Ep 21

What if the real reason you’re stuck financially has nothing to do with your income… and everything to do with your identity?

In this emotional and eye-opening wealth review, Brad sits down with Marion — a single mom of four who’s been in survival mode for years — to uncover the hidden behavioral patterns, beliefs, and dependencies that quietly sabotage financial freedom.

If you’ve ever wondered “Why do I keep ending up in the same money situation?”, this episode reveals the honest, faith-centered truth most people never hear.

Together, Brad and Marion walk through the entire R.E.A.L. process — Reduce, Enlarge, Acquire, Live — while confronting deep-rooted habits, painful childhood stories, and the mindset shifts required to build real wealth built on purpose, not pressure.

This isn’t just budgeting.
This is transformation.

 

💡 Key Takeaways

✔ Why Marion’s issue isn’t budgeting — it’s decades-old survival patterns 
✔ The shocking habits that secretly keep people in “working poor” mode 
✔ Brad’s tough-love moment: confronting dependency and learned helplessness
✔ How to reset financially when you’re behind on bills, debt, and hope
✔ What to do when your income simply isn’t enough
✔ How to rebuild confidence, boundaries, and financial identity
✔ Why passive income is the long-term North Star — even when you’re starting at zero
✔ A step-by-step action plan Brad creates to help Marion stabilize, earn more, and reclaim her future

 

🔗 Resources and Links Mentioned

REIBIZ: reibiz.com
FreedomSoft: realwealthformula.com/sponsors
PropStream: realwealthformula.com/sponsors

🤝 Connect With Us

Website: www.realwealthformula.com
Phone: 877-77-MOGUL
Email: podcast@realwealthformula.com

📱 Social Media Channels

Facebook: Real Wealth Formula
LinkedIn: Real Wealth Formula
Instagram: @realwealthformula
X (Twitter): @realwealthshow
TikTok: @realwealthformula
YouTube: Real Wealth Formula

 

⏳ Chapters

00:00 - Introduction
01:02 - Meeting Marion
02:24 - Career History and Job Transition
04:42 - Current Financial Situation and Stress
06:04 - Identifying Passion vs. Current Work
08:42 - Analyzing Income and Monthly Expenses
12:11 - Reviewing Debt and Financial Dependencies
16:58 - Examining Spending Habits and Bank Statements
20:51 - The Problem with Financing Depreciating Liabilities
23:59 - Addressing Financial Enabling and Psychology
28:17 - Childhood Trauma and Its Lasting Impact
33:00 - Breaking the Cycle of Dependency
38:10 - The Trap of Government Assistance and Survival Mode
43:05 - Defining Legacy and a New Mindset
50:33 - The Real Wealth Formula Evaluation
57:01 - Presenting the Five-Step Success Plan
01:01:00 - Final Encouragement and Closing