Ep. 86: The Money Myths Crippling Young Adults

In this high-impact episode, Wendy Lee is joined by special guest Max Cleaver, a 25-year-old Gen Z entrepreneur and financial planner, to expose the top 5 money myths that are keeping young adults broke, frustrated, and stuck in survival mode. Together, they unpack common cultural lies around credit cards, lifestyle creep, and homeownership—and replace them with faith-filled truths, biblical principles, and practical tools for financial freedom.

Whether you're Gen Z, a parent, or just someone who wishes you’d known better sooner, this episode will challenge your mindset and equip you with timeless financial wisdom to build lasting wealth.

🔍 What You’ll Learn in This Episode:

• The myth of lifestyle creep: Why earning more shouldn’t mean spending more—and how to use your income to build future assets instead.
• The truth about credit cards: Why even well-meaning “points chasers” often fall into debt traps and how to avoid the cycle.
• Debt ≠ Irresponsibility: Rising costs of living, tuition, and rent don’t define your character—and how to break free from shame and take control.
• Homeownership isn’t out of reach: Creative strategies to own property in your 20s or 30s (even with modest income).
• Why “figuring it out later” is costing you now: The irreplaceable advantage of starting young and the power of getting a financial roadmap early.

✨ Kingdom Principles Highlighted:

• Stewardship over shame: God calls us to be wise stewards—not to be ruled by regret.
• Discipline over lifestyle: Wealth comes by living below your means, not upgrading every paycheck.
• Start early, sow faithfully: “Whoever gathers little by little will increase it” (Proverbs 13:11).
• Time is your greatest asset: What you do now determines your future freedom.
• Wisdom brings confidence: “Plans fail for lack of counsel, but with many advisers they succeed” (Proverbs 15:22).

🔗 Resources & Links:

• Free Financial Plan: Ready to create a roadmap for your finances? Visit SafeMoneyRoadmap.com to request your free personalized plan.
• Recommended Reading: T. Harv Eker’s “Secrets of the Millionaire Mind” (referenced in episode—re: the money jars system).

Episode Quote:

“Start young. Be cool by getting your money right early—before you have to fix it later.” – Max Cleaver

Call to Action:

If you’re in your 20s or 30s and feeling behind financially, don’t wait to ‘figure it out.’ Get ahead by getting wise.

Share this episode with a young adult you care about—and help them build wealth with purpose.

Connect + Grow:

Loved this episode? Share it with someone who needs a wake-up call on how they’re spending their time.

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Jon - https://www.instagram.com/joncleaverofficial/

Wendy - https://www.instagram.com/moneywithwendy/

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