Episode Title:

Why We Do What We Do With Money - Rewire for Financial Freedom

Episode Summary:

Are your financial goals stuck? You know what to do with money, but doing it is the hard part. The biggest obstacle isn’t your income or the market—it’s your own mind.

In this episode, I'll break down the hidden behaviors and beliefs that drive your financial decisions. From Scarcity Mindset and Dual-Self Theory to unconscious Money Scripts, you’ll see how mental traps like Loss Aversion and the Sunk Cost Fallacy quietly hold you back.

The good news? You can build a money strategy that works with your brain. Learn how to activate your rational side, align your goals with your values, and create systems that stick. It’s time to rewire your mindset and take control of your financial future.

Key Talking Points:

• How emotion, identity, and behavior influence your financial decisions.
• Escaping scarcity and why “tunneling” limits your planning, and how to create mental space.
• Training your brain for long-term rewards over short-term impulses.
• Identifying and shifting unconscious money scripts for real change.
• Tools to counter Loss Aversion, Sunk Cost, Endowment, Anchoring, and Status Quo Bias.
• Using Vision, Values, and Velocity to create a strategy that builds traction.
• Building systems that make positive habits automatic.

Episode References & Resources:

• Thinking, Fast and Slow by Daniel Kahneman (2011)
• Prospect Theory by Amos Tversky & Daniel Kahneman (1979)
• Mind Over Money by Brad & Ted Klontz (2009)
• Scarcity by Sendhil Mullainathan & Eldar Shafir (2013)
• Toward a Positive Theory of Consumer Choice by Richard Thaler (1980)
• Status Quo Bias in Decision Making by Samuelson & Zeckhauser (1988)
• The Strategic Interaction of Successive Motivational States by George Ainslie (1992)
• The Psychology of Sunk Cost by Arkes & Blumer (1985)

Explore Escape The Clock Resources:

• The Book: www.escapetheclock.com/book
• The Planner: www.escapetheclock.com/planner
• 1:1 Help: www.escapetheclock.com/schedule
• Free Weekly Newsletter: https://bit.ly/etc-news

Support the podcast:

• Subscribe & follow on your favorite platform
• Leave a rating or review
• Share this episode
• Grab a copy of the book: www.escapetheclock.com/book

Thank you for listening!

Please note: This information is for educational purposes only and not financial advice. Consult a qualified professional for personalized guidance.

Episode Title: Financing Family - Building a Legacy That Lasts

Episode Summary:

In this episode of Escape The Clock, we’re diving into the financial realities of raising a family and how to do it with intention. From diapers to diplomas, the costs can be staggering, but with the right strategies, they don’t have to derail your financial independence goals.

I’ll walk you through the key phases of family financial planning. From estimating the cost of raising a child to securing your family’s future through insurance, college savings, and estate planning. Whether you're already a parent or planning ahead, this episode will give you a roadmap to support your loved ones while staying on track toward your own dreams.

If you want to raise a strong family and build a strong financial future, this episode is your blueprint.

Key Talking Points:

• The real cost of raising a child – How it’s grown to over $286,000 (not including college), and how to budget for the different life stages.
• Financial priorities shift with children – Why your saving, spending, and risk tolerance may all need to evolve.
• Emergency funds, estate, and insurance – How to protect your family with the right coverage and cash reserves.
• College savings strategies – 529 plans, gifting options, and using compounding interest to your advantage.
• Legacy planning – Wills, trusts, and guardianship planning to protect your kids and your assets.
• Who’s paying for college these days? – A look at the data and what it means for your own family game plan.
• Balancing support and independence – Helping your kids without sacrificing your own financial future.
• Teaching your kids about money – Practical ideas to raise financially literate children.

Explore Escape The Clock Resources:

• Book: www.escapetheclock.com/book
• Planner: www.escapetheclock.com/planner
• Videos: www.escapetheclock.com/media
• Consultation: www.escapetheclock.com/schedule
• Other Resources: www.escapetheclock.com/resources
• Join the Newsletter: https://bit.ly/etc-news

Support the podcast:

• Subscribe/Follow on your favorite platform.
• Leave a rating & review.
• Share this episode with others.
• Support me by picking up the book for yourself or a loved one at www.escapetheclock.com/book.

Thank you for listening!

Please note: This information is for educational purposes only and not financial advice. Consult a qualified professional for personalized guidance.

Episode Title: The Home Game Plan - From Buying to Earning

Episode Summary:

In this episode of Escape The Clock, I break down how to make housing a productive and intentional part of your financial independence journey. Whether you're a first-time buyer or exploring rental income, housing decisions are too big, and too costly, to wing.

I’ll cover key housing concepts: renting vs. buying, how mortgages really work, the hidden costs of homeownership, and how to turn your home into an income-generating asset. You’ll learn how to avoid common pitfalls, use housing to grow wealth, and align your home choices with your long-term goals.

If you’re ready to stop feeling overwhelmed by housing costs and start turning your home into a strategic asset, this episode will help you build your own home game plan.

Key Talking Points:

• Why housing is the biggest financial decision most people make – And why it needs to align with your life goals, not just your income.
• Renting vs. buying – What factors determine the better fit, from market conditions to lifestyle flexibility.
• The real cost of a mortgage – Including interest over time, PMI, property taxes, escrow, and one-time closing costs.
• What first-time buyers should know – From low-down-payment programs to hidden costs like inspections and insurance.
• How to read and manage your mortgage – Understanding your monthly statement, setting up overpayments, and refinancing strategically.
• Turning your home into an income stream – HELOCs, rentals, AirBnB, and even creative ideas like renting your driveway.
• Home upgrades with poor ROI – What not to waste your money on if your goal is future profit.
• Tax strategies and rebates – How to take advantage of local programs, green energy credits, and more.

Explore Escape The Clock Resources:

• Book: www.escapetheclock.com/book
• Planner: www.escapetheclock.com/planner
• Videos: www.escapetheclock.com/media
• Consultation: www.escapetheclock.com/schedule
• Other Resources: www.escapetheclock.com/resources
• Join the Newsletter: https://bit.ly/etc-news

Support the podcast:

• Subscribe/Follow on your favorite platform.
• Leave a rating & review.
• Share this episode with others.
• Support me by picking up the book for yourself or a loved one at www.escapetheclock.com/book.

Thank you for listening!

Please note: This information is for educational purposes only and not financial advice. Consult a qualified professional for personalized guidance.