I sat down with Chuck Failla, CFP and founder of Sovereign Financial Group, for one of the most honest conversations I've had on this show about what it really means to trust someone with your money.

Chuck has spent 30 years in financial services, from cold-calling stockbroker to fully independent RIA, and the insight he brings is the kind you can only earn through experience.

We get into why financial advisors are the only professionals in the four major advice pillars who aren't required to act as fiduciaries, and why that single fact explains so much of the skepticism people feel when they walk into an advisor's office.

Chuck breaks down the most common money mistakes he sees families make: almost always rooted in behavior, not math and shares why a solid cash flow analysis is the foundation of every sound financial decision.

What's one area of your financial life you've been avoiding looking at honestly?

One of the biggest myths in personal finance is that successful people do everything themselves.

They don't.

Athletes have coaches. Businesses have teams. Wealthy people have advisors, mentors, accountants, attorneys, and communities that help them make better decisions.

In this episode, I explore why trying to do everything alone keeps people stuck, how to build your own financial team, and why your network may be one of the most valuable assets you'll ever have.

Because wealth isn't a solo mission.

The people around you can change everything.

#GrowingMoney #RichPeopleBuildTeams #PersonalFinance #MoneyMindset #WealthBuilding #FinancialFreedom #Mentorship #Leadership #Networking #SeanTrace

In this episode of Growing Money with Sean Trace, I sit down with Cary Carbonaro, CFP®, MBA, a women and wealth expert who has spent 25 years helping women understand money, investing, financial planning, and long-term wealth building.

This conversation hit me hard as a father, because so much of what Cary shares is about preparing the next generation of women to own their financial future with confidence. We talk about the great wealth transfer, why women are expected to control a massive share of wealth in the coming years, and why the financial industry still has not fully adapted to serve them. Cary also breaks down the myths women are taught about money, why cash can feel safe but hold people back, how divorce and widowhood expose gaps in financial relationships, and why basic money skills should be taught before adulthood.

This episode is really about empowerment, education, and changing the way families talk about money.

What is one money lesson you wish you had learned earlier in life?