What if you discovered that 80% of your financial success has nothing to do with math? That the real reason you're stuck isn't the spreadsheet—it's the stories you inherited about money without your permission?Christine Luken, the Financial Dignity® Coach and author of "Money is Emotional: Prevent Your Heart From Hijacking Your Wallet," joins Dr. Joaquin Wallace to share her journey from financial rock bottom with a negative credit score and every card in collections to becoming a Kentucky Colonel honored for 18 years of financial literacy education. Despite having an accounting degree and working in banking, Christine learned the hard way that knowing how money works mechanically is completely different from understanding how it works emotionally."Each person is wired differently on how they think about money based on their past. We have to understand that past first in order to move forward," Christine explains. Traditional financial advice hands you a checklist and expects you to follow it. But Christine reveals why that approach fails smart, high-earning people: it ignores the emotional 80% that actually drives your financial decisions.In this conversation, Dr. Wallace and Christine explore the financial genetic code we all inherit, the difference between guilt and shame in money decisions, and why healing your relationship with money must happen before any financial plan will stick. Christine shares real client stories of couples making multiple six figures whose marriages are strained by money—not because they need to earn more, but because they've never examined their emotional triggers or power dynamics around finances.What you'll learn:Why understanding your financial past is the prerequisite to changing your financial futureThe critical difference between financial guilt (motivating) and financial shame (paralyzing)How to identify hidden emotional triggers before they sabotage your next financial decisionWhy traditional financial advice continues to fail smart people by ignoring the emotional 80%The power dynamics in couples' money relationships and how to navigate them safelyHow to break the cycle of money shame and move toward Financial Dignity®Teaching the next generation financial dignity instead of financial traumaWhy credit cards aren't evil (and other financial myths worth debunking)The Personalized Prosperity Plan approach for high-income earners stuck in stress cyclesHow to know when you need financial healing before financial planningChristine Luken's Resources:Book: "Money is Emotional: Prevent Your Heart From Hijacking Your Wallet" - https://www.amazon.com/Money-Emotional-Prevent-Hijacking-Wallet/dp/0998591203/Website: https://www.christineluken.com/Linktree: https://linktr.ee/financialdignitycoachLinkedIn: https://www.linkedin.com/in/financialdignitycoach/Instagram: https://www.instagram.com/christineluken/ and https://www.instagram.com/financialdignitycoach/Facebook: https://www.facebook.com/christine.luken/Subscribe to The New Wealth Wave Podcast and be part of the community breaking generational financial patterns through shame-free conversations about money.Grab a copy of Dr. Wallace's bestselling book "Generational Wealth Begins with Generational Knowledge" which offers a blueprint for understanding your financial genetic code and building wealth that lasts. Available now: https://amzn.to/4lsZfw8To learn more about Dr. Joaquin Wallace and the Generational Wealth Model, visit: https://www.drjwallace.comFollow us on social media at:Instagram: https://www.instagram.com/dr.joaquinwallaceX/Twitter: https://twitter.com/_JoaquinmediaYouTube: https://youtube.com/@TheNewWealthWavePodcast LinkedIn: https://www.linkedin.com/in/dr-joaquin-wallace-91819514

Generational Wealth Begins With Generational Knowledge®#1 Bestselling Author Dr. Joaquin WallaceAvailable now: https://amzn.to/4lsZfw8Throughout our lives, we've been told that money talks. But for many of us, it speaks a language we were never taught to understand.Why do 70% of wealthy families lose their fortune by the second generation, and 90% by the third? The answer lies not in failed investment strategies but in what Dr. Joaquin E. Wallace calls our "Financial Genetic Code," encompassing our Inherited Financial Narratives, Encoded Financial Behaviors, and traumas that quietly shape how we relate to money.In Generational Wealth Begins with Generational Knowledge®: The Seven Stages of Financial Empowerment and a Legacy of Prosperity, Dr. Wallace presents his groundbreaking Seven-Stage Generational Wealth Model©. This comprehensive framework addresses both the psychological and practical elements of building lasting wealth.Grab a copy of Dr. Wallace's bestselling book "Generational Wealth Begins with Generational Knowledge" which offers a blueprint for understanding your financial genetic code and building wealth that lasts. Available now: https://amzn.to/4lsZfw8Learn more about Dr. Joaquin Wallace: https://www.drjwallace.comFollow us on social media at:Instagram: https://www.instagram.com/dr.joaquinwallaceX/Twitter: https://twitter.com/_JoaquinmediaYouTube: https://youtube.com/@TheNewWealthWavePodcast LinkedIn: https://www.linkedin.com/in/dr-joaquin-wallace-91819514

A heartfelt thank you to our esteemed guests from Q4 of 2025 for The New Wealth Wave Podcast. Your discussions were not only challenging but also instrumental in driving change and making a significant impact on our audience. Let's revisit each guest's most viewed highlights. These moments have enriched our conversations and inspired actions toward creating generational wealth beyond mere financial literacy. Your Financial Past Isn't Your Financial Future with James Alexander, CFPhttps://youtu.be/jN6mwExpOZ0Getting Out of Your Own Way Financially with Dr. Gary Clementhttps://youtu.be/SDn2h1SoBZAClosing the Wealth Gap: Breaking Poverty Mindset with Tyrone Frenchhttps://youtu.be/WAk2EAar76ESubscribe to The New Wealth Wave Podcast and grab a copy of Dr. Wallace's bestseller, "Generational Wealth Begins with Generational Knowledge," on Amazon: https://amzn.to/4lsZfw8____________________To learn more about Dr. Joaquin Wallace and the Generational Wealth Model, visit: https://www.drjwallace.com

Making good money but still feel like you're going nowhere fast? Tyrone French knows exactly why—because he lived it.

In this episode, Dr. Joaquin Wallace is joined by Tyrone French, founder of Tyrone French and Associates with over 34 years of experience as a personal finance coach. As an Accredited Financial Counselor and host of the Closing the Wealth Gap podcast, Tyrone has dedicated his career to empowering the 95% who feel left behind by traditional financial conversations.

"Each person is wired differently on how they think about money based on their past. We have to understand that past first in order to move forward," Tyrone explains. But understanding your past is just the beginning. The real transformation happens when you shift from a poverty mindset to an abundance mindset.

Tyrone doesn't hold back: traditional financial literacy has failed because advisors keep "regurgitating the same tired notions" without teaching people how to actually apply the knowledge. This conversation explores what happens when you combine financial education with real-world application and mindset transformation.

In this episode, you'll discover:

• Why Tyrone went from buying $3 shoes at Boys Market to working at McDonald's at 16—and what that taught him about financial independence

• The moment Tyrone realized he had no leverage at McDonnell Douglas—and how that awakening changed his entire financial trajectory

• Why looking wealthy (clothes, cars, jewelry) kept him broke in his twenties—and how he broke that cycle before it was too late

• The foundation every financial house needs that most people completely misunderstand

• Why 80% of financially struggling people actually have the discretionary income to change their lives—they just don't know the process

• The "shirtsleeves to shirtsleeves in three generations" cycle and exactly how to break it

• The poverty mindset that must be ripped out and replaced—and how to recognize it in yourself

Tyrone is emphatic about the importance of Dr. Wallace's book—not just for consumers, but for financial professionals too. "People think advisors are just naturally smart," he explains. "But there's a book out there that anybody can read." He calls "Generational Wealth Begins with Generational Knowledge" the book he would have written himself and insists every financial advisor who's serious about their profession needs to read it.

This conversation goes beyond budgets and investment accounts. It's about understanding your financial genetic code, healing from past trauma, and making the decision to pay yourself first—even when that decision feels agonizing.

Connect with Tyrone French:

https://www.tyronefrench.com

Toll-free: (877) 296-5192

Download the Tyrone French App: https://www.tyronefrenchapp.com

Book: "Closing the Wealth Gap"

LinkedIn: https://www.linkedin.com/in/tyronefrench/ Facebook: https://www.facebook.com/tyrone.french1

Subscribe to The New Wealth Wave Podcast for more conversations that challenge traditional financial advice and help you understand the psychology behind building lasting wealth.

Dr. Wallace's Amazon bestseller "Generational Wealth Begins with Generational Knowledge" provides the blueprint for understanding your financial genetic code and creating generational prosperity.

Tyrone calls it "the book I would have written myself" and says it's essential reading for both consumers and financial professionals. Available on Amazon: https://amzn.to/4lsZfw8

Dr. Wallace's Website: https://www.drjwallace.com

"If you can't save, none of this other stuff matters." Dr. Gary Clement's blunt truth stops most people in their tracks—because without spending less than you earn, no strategy or income level will move you forward.

In this episode, Dr. Joaquin Wallace is joined by Dr. Gary Clement, a distinguished educator, mentor, and advocate with more than 20 years in financial services holding certifications including CFP, CRPS, CRPC, AFC, and ABFP. Dr. Clement brings a rare combination of technical expertise and deep insight into financial behavior.

"It's not about the money you make, it's about the money you keep regardless of how much you're really making," Dr. Clement explains, cutting through one of the biggest myths in personal finance.

This episode explores all seven stages of Dr. Wallace's generational wealth model, with particular focus on how our walls in and walls out—the internal and external forces we inherit—create patterns that can either build or block wealth across generations. Dr. Clement shares his own journey through financial healing, revealing how even seasoned professionals must confront their own money scripts and inherited behaviors to move forward.

Dr. Clement brings a refreshing honesty to the conversation, sharing how his own walls out led him to prioritize certain cars, clothes, and living situations—and how recognizing those patterns changed everything. His perspective on financial education goes beyond tactics and formulas to address the deeper behavioral and emotional factors that determine success.

For financial professionals, this episode offers powerful insights on moving beyond transactional advice to truly transformational relationships with clients. For anyone working to build wealth, it's a reminder that getting out of your own way might be the most important financial decision you ever make.

Watch the full episode on YouTube or on your favorite podcast platform:

Link: https://youtu.be/SDn2h1SoBZA

🔗 Connect with Dr. Gary Clement: https://www.linkedin.com/in/garyoclement

Subscribe to The New Wealth Wave Podcast and never miss conversations that transform how you think about money and legacy.

Grab a copy of Dr. Wallace's bestselling book "Generational Wealth Begins with Generational Knowledge" which offers a blueprint for understanding your financial genetic code and building wealth that lasts. Available now: https://amzn.to/4lsZfw8

Learn more about Dr. Joaquin Wallace: https://www.drjwallace.com

Your parents' money struggles don't have to become yours. But first, you need to understand what financial patterns you actually inherited.

James Alexander, CFP and Partner at Edge Financial, returns for his third appearance this year to discuss how understanding your financial genetic code changes everything about wealth building.

After reading Dr. Wallace's book in just four days, James shares why the biggest breakthrough for his clients isn't learning more tactics—it's discovering how their past shapes their present money decisions.

"Each person is wired differently on how they think about money based on their past. We have to understand that past first in order to move forward," James explains. Traditional financial advice hands you a rulebook and expects you to follow it. But James reveals why 80% of financial success comes from behavior and mindset—not math equations.

As we head into Q4, this conversation delivers both the psychology and the practical strategy. James tackles the real questions: Why do people who understand budgeting still overspend? How do you stay calm when the market drops? What's actually worth more—gifting money to your kids now or leaving them an inheritance later?

💰 Key insights covered:

• Why understanding your financial genetic code transforms client conversations
• The critical difference between financial literacy and financial inclusion
• How falling interest rates create opportunities for refinancing and portfolio growth
• The power of Roth IRA conversions to create tax-free inheritance for your children
• Why the best financial advice focuses on value, not cost
• Practical fourth quarter tax strategies to implement before December 31st
• The real reason most budgets fail (and how to reframe them for success)
• Estate planning essentials most families avoid until it's too late

James shares a compelling client story about someone who read Dr. Wallace's book and immediately recognized a critical gap in his insurance coverage—proving how self-awareness accelerates financial transformation. He also reveals the unconventional wealth-building power of gifting to your children in their twenties rather than waiting until you're gone.

Whether you're a financial professional looking to serve clients more holistically or someone ready to break free from inherited money patterns, this conversation provides the roadmap for understanding the past, optimizing the present, and building intentional wealth for the future.

Want to understand why your financial behaviors are more important than your financial knowledge? Listen now.

🔗 Connect with James Alexander:Website: https://edgefa.comPodcast: The Edge Effect - Making Personal Finance Personal

📚 Ready to transform your financial legacy? Dr. Wallace's Amazon bestselling book "Generational Wealth Begins with Generational Knowledge" provides the complete framework for understanding your financial genetic code and building wealth that lasts. The book bridges the gap traditional financial literacy leaves behind—moving beyond budgets and investment tips to address the inherited narratives and behaviors that drive your money decisions. Available now on Amazon: https://amzn.to/4lsZfw8

Subscribe to The New Wealth Wave Podcast for conversations that challenge conventional financial wisdom and provide the generational knowledge you need to build lasting wealth.

To learn more about Dr. Joaquin Wallace and the Seven-Stage Generational Wealth Model, visit:🔗 https://www.drjwallace.com

#PersonalFinance #FinancialFreedom #WealthBuilding #FinancialPlanning #MoneyMindset #RothIRA #TaxStrategy #FinancialLiteracy #GenerationalWealth #EstatePlanning #FinancialTherapy #MoneyTips #Investing #RetirementPlanning #FinancialAdvisor #WealthManagement #TaxPlanning #LongTermCare #FinancialWellness #MoneyManagement

A heartfelt thank you to our esteemed guests from Q3 of 2025 for The New Wealth Wave Podcast. Your discussions were not only challenging but also instrumental in driving change and making a significant impact on our audience.

Let's revisit each guest's most viewed highlights. These moments have enriched our conversations and inspired actions toward creating generational wealth beyond mere financial literacy.

Episode 37: From Financial Passenger to Wealth Driver: The Spectrum of Intention with Brian L. Thomas

Full Episode: https://youtu.be/G1ivMuuQm6c

Episode 38: Overcoming Financial Trauma: The Hidden Barrier to Wealth with Rahkim Sabree, AFC®, Part 2

Full Episode: https://youtu.be/lX1-dALwhx8

Episode 39: Breaking Free From Generational Money Cycles with Dr. Prince Sarpong

Full Episode: https://youtu.be/DNVLbNrRM_k

We are grateful and humbled to continue providing a platform for discussing and fostering generational wealth. Thank you once again to all our guests.

Don't forget to subscribe to The New Wealth Wave Podcast and grab a copy of Dr. Wallace's bestseller, "Generational Wealth Begins with Generational Knowledge," on Amazon: https://amzn.to/4lsZfw8

What if the biggest barrier to your financial success isn't what you don't know, but what you've unknowingly inherited? In this powerful episode of The New Wealth Wave podcast, Dr. Joaquin Wallace sits down with Dr. Prince Sarpong, Associate Professor of Finance and author of "Portfolio Management for Financial Advisors," to explore how inherited financial narratives shape our money decisions across generations.Dr. Sarpong reveals his own journey through stage two of the seven-stage generational wealth model, sharing how he spent years trapped in financial behaviors that weren't truly his own. "When your narrative is dependent on another individual or group's expectations, you remain stuck without even noticing," he explains. "Your whole financial behavior isn't really about you."This isn't just another conversation about budgeting or investing. Dr. Sarpong exposes the hidden truth about financial education: "More knowing does not necessarily lead to better decisions." He explains why traditional financial literacy often fails and can even cause harm when it ignores the deeper narratives driving our behaviors.💰 What you'll discover:• Why Dr. Sarpong's "aha moment" came from owning his own narrative instead of living by others' expectations• How imposed narratives (not just family teachings) shape your financial genetic code• Why financial literacy alone can do more harm than good without addressing underlying trauma• The difference between intellectual knowledge and emotional drivers in money decisions• How successful families pass down generational wealth vs. generational burden• Why being "gracious to yourself" is essential for financial transformationDr. Sarpong shares profound insights about the intersection of behavioral finance and generational wealth, revealing how even privileged families can pass down harmful narratives to their children. He discusses his upcoming book "Financial Therapy for Men" and explains why meeting people where they are - not where they should be - is crucial for lasting change.Whether you're a financial professional looking to better serve clients or someone ready to break free from inherited financial patterns, this episode provides the framework for understanding how your financial genetic code can be rewritten.To learn more about Dr. Prince Sarpong:https://www.sarpongstrategia.com🔗 Connect on LinkedIn: https://www.linkedin.com/in/prince-sarpong/ 📚 Check out his books: "Portfolio Management for Financial Advisors" (Volumes 1 & 2): https://amzn.to/47qJ0MR Subscribe to The New Wealth Wave Podcast and grab a copy of Dr. Wallace's bestseller, "Generational Wealth Begins with Generational Knowledge," on Amazon: https://amzn.to/4lsZfw8To learn more about Dr. Joaquin Wallace and the Seven-Stage Generational Wealth Model:🔗 https://www.drjwallace.com#GenerationalWealth #FinancialNarratives #BehavioralFinance #FinancialTherapy #MoneyMindset #WealthBuilding #FinancialLiteracy #InheritedTrauma #FinancialWellness #PersonalFinance #WealthMindset #FinancialEducation #MoneyTrauma #FinancialHealing #GenerationalKnowledge #FinancialGenetics #WealthTransfer #FinancialPsychology #MoneyMatters