Main Street Meets Wall Street: Originator of 'Money Scripts'| Do Not Destroy Your $| Dr. Brad Klontz

The advice most people follow about money is exactly why they stay stuck. Dr. Brad Klontz reveals the psychology behind wealth, the money scripts you inherited, and the habits that can quietly sabotage even high earners.If you think making more money is the same as building wealth, this conversation will challenge everything you’ve been taught. Marcus Sturdivant Sr. sits down with Dr. Brad Klontz, the financial psychologist behind the concept of money scripts and the author of Start Thinking Rich, to unpack why smart people still make terrible investing decisions when fear, FOMO, and tribal thinking take over.You’ll discover:Why the average living investor can underperform the average dead investorHow tribal brain wiring fuels bubbles, crashes, and herd behaviorThe hidden family beliefs that shape your relationship with moneyWhy get-rich-quick thinking destroys long-term wealthHow to move from poor habits to a middle-class or wealth-building mindsetWhy rich people prioritize time, safety, and flexibility over flashy spendingDr. Klontz also explains the difference between financial education and financial psychology, and why one simple intervention dramatically increased savings behavior in his research. He shares the four core money scripts—money avoidance, money status, money worship, and money vigilance—and shows how to recognize which one is running your life.They also get practical about real-world money decisions: when a prenup makes sense, why postnups and estate planning should not be DIY projects, how to think about college as a business decision, and why outsourcing to experts is one of the strongest signs of a rich mindset. Marcus and Dr. Klontz also dig into generational wealth, automation, investing a percentage of every paycheck, and how to build a plan B that can make you a guaranteed millionaire over time.This episode is for anyone who wants to stop sabotaging their own financial future and start thinking, acting, and investing like someone who actually keeps wealth. If you want a sharper mindset, a clearer plan, and the courage to ignore the noise, this one is essential listening.Dr. Brad Klontz is a financial psychologist, professor at Creighton University, co-creator of the term “money scripts,” and author of Start Thinking Rich. He also manages ultra-high-net-worth clients through Occidental Asset Management and has spent decades researching the psychology of money and investing.