NerdWallet's Smart Money Podcast - Build Generational Wealth From Scratch: Four Pillars and the Family Pressure That Comes With It

Episode Date: October 5, 2026

Learn how to build generational wealth and navigate the complex financial issues of being the first in your family to get ahead financially. Generational wealth expert India Elliott, a financial advisor at Wells Fargo Advisors, joins hosts Sean Pyles, CFP®, and Elizabeth Ayoola to answer listener questions about building — and protecting — wealth that lasts. One listener, a first-gen college grad who relocated out of a small Ohio town, wants to understand how to build “real wealth” for himself and his family; India walks through her four pillars (earn, manage, protect, and grow) and explains how tools like trusts, life insurance, and estate plans could pass assets to the next generation with fewer taxes and fewer family disputes. A second listener has her own finances in order but struggles with watching loved ones make financial choices that worry her, navigating the concept of the “Black tax,” and figuring out when — and how — to say no to financial requests without guilt or compromising her own path to generational wealth. Please help us improve the show by taking our listener survey! Your responses directly impact what you hear on the show: https://docs.google.com/forms/d/e/1FAIpQLSettbeI0yDf8tLt_Q772StVJoWs_Gm-pWa-gSn2fdWEc0XcOw/viewform Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [e-mail]. Like what you hear? Please leave us a review and tell a friend. *The show notes were created with the assistance of AI. They have been reviewed by our editorial team for accuracy and quality. Learn more about your ad choices. Visit megaphone.fm/adchoices

Being the first person in your family to build wealth can be challenging, but it can also be rewarding. Today we're going to be learning about how to build generational wealth and the tools that you need to get there. Welcome to Nerd Wallet's Smart Money Podcast, where you send us your money questions and we answer them with the help of our genius nerds. I'm Sean Piles. And I'm still Elizabeth Ayola. Now we're answering listener questions today. Thank you to everyone who sent them about generational wealth. Don't forget while we're here and while we have you to send any.

Any money questions that you might have, whether it's about building wealth or how to work through mental roadblocks that you have with finances, whatever your question is, we want to hear it. And in case you don't know where to send it, send it to podcast at nerd wallet.com. And to help us answer these questions about generational wealth today, we have India Elliott, a financial advisor at Wells Fargo Advisors. India, welcome to smart money. Thank you. Thanks for having me. Okay. So for listeners and viewers, we are on YouTube, who missed it.

during a summer episode, I actually mentioned going to Chicago, which is now one of my favorite cities in the world. And I attended the Women's Impact Initiative Network Conference, which is hosted by the Association of African American Financial Advisors. And there, I met the lovely India. Now, during this episode that you guys may have missed, I asked you guys to send in any questions that you had around generational wealth. And you sent them, and India's here actually to help us answer those questions.

Let's start India with a really basic question. that is what is actually generational wealth and how does it differ from other kinds of wealth, just regular wealth as we might think about it? That's interesting because wealth in general can be defined differently by different people. And so wealth in the terms that I will speak to it can be defined as money used to create freedom in whatever capacity and whatever freedom looks like to you. So freedom in time, freedom is. and opportunity, freedom and decision making is what I would define as wealth when money can achieve that. And then when you add generational to wealth, we are now talking about that freedom of opportunity, that freedom of decision making that can pass down literally to the next generation, whether it be your children, your grandchildren, and beyond. Now, India, do you define yourself as a first generation wealth builder? I actually do. Yes, I have not come from a linea

of where financial wealth has been passed down, maybe wealth and other terms like wisdom or culture, but money have not been something that's been passed down generationally. I will say my grandparents, my parents have made some really amazing decisions with their money and have put themselves in a great place, and maybe they will begin the trickle down of generational wealth when they pass on. But as for me, where I am in my journey, I would still consider myself a first-generational wealth builder. I'm curious about your journey, India. How did you begin to build wealth in this way that your family hadn't previously? It's been such just a random journey for me. I actually studied journalism in college, and I thought I would be doing something

similar to what you all are doing today. But I found myself graduating and working in finance. And so I started off at a brokerage firm and began to learn all about money, all about investing, all about wealth in general. And then I coupled that with some things that my parents had done. I had grew up seeing my parents neat with their financial advisor once or twice a year. And so I started connecting those dots. And while I thought I was just getting a job for the time being in finance, it grew into a passion for me and it really transformed my mind. and showed me that there's some tools and there's some knowledge that I now have that can really change my life for the better. So would you say getting started then India is maybe first about

setting that knowledge foundation and learning as much as you can about how to build wealth and just finances generally? Absolutely. Because you don't know what you don't know. I like to joke and say, when I started in the finance industry as a stockbroker, I couldn't even spell the word stock. Like, I knew nothing. It was, I took one mask. class in college. This was not anywhere on my radar. So I went into a world knowing nothing, and then my eyes were open. And so I would say, yes, start with education, start with familiarizing yourself with terms and strategies, just kind of soak in the knowledge birth. Application will come next. Well, if you had to list out a couple of wealth building pillars, I know you've kind

of mentioned some now, let's say you had to pick, I don't know, four, What would they be? I do have four pillars that I actually live by and preach every day on my job. The first I will say is earn. You have to earn. You can't do anything if you don't have money. I meet with people every day and they say, where do I start? Start with your earning ability.

Earn as much as you can. Secondly, manage. Now that you're earning money, you have to properly allocate that money to where it needs to go. Pay your bills. pay down your debt, start a savings fund for yourself. Make good decisions with what you already have to maintain. Third is protect. Now that you're at a place for your earning and you're stable, you're maintaining, you have to do things to protect what you have already before you can go any further. Protection looks like insurance. Protection looks like trust estate plans will. Those are ways to protect. That's what you have or where you're at.

And fourth, the final pillar would be grow. From there, you're ready to reach new heights. Take what you have and start exponentially growing. All right. It sounds like actually a really well-rounded strategy that anyone could apply. It's really simple. We think wealth is this fancy term youth for people that are not like us because all those people have money and I don't and I can't be a part of those conversations.

But it's not true. If you can manage what you do have and decide to make simple decisions with what you have, you will only increase from there. Yeah, I'm a living testament. All right, do we want to hop into the first money question now, India, so that you can help us answer the listener's question. So Sean is going to read this one. Let's do it.

All right, yeah, here it is. It came from a listener's text message. Here we go. They wrote, hello, Sean and Elizabeth. My name is Graham, and I'm a frequent listener to Smart Money on Spotify. I'm reaching out for a podcast suggestion. I come from a low to middle and digital. family in Ohio, specifically from a family who has stayed in one small town for generations.

However, as of now, all four of my siblings and I have broken the family curse and all moved to big cities throughout the U.S. Additionally, two of us are the first in the family to go to college. While all this change is super exciting, I'm also curious how to begin building real well for both myself and my family. All right. India, what do you think about Graham's situation? I love the fact that he's saying he broke the curse, right? Just by siblings. simply moving out of a small town. I come from a small town to Mary in Indiana, moved to Kokomo, Indiana. They're both very small town. And sometimes you can still trapped and you can still like all the money people are somewhere out in L.A. and New York and Chicago. And as long as I'm in

this small town, I will always be small. And that can be true. Your mindset can be limited by your surroundings. So kudos to him for at least taking a step to get out and change his environment and to expand his mind and understanding of things beyond a small town. And it seems like if they aren't already, Graham could apply those four pillars that you laid out around, you know, earning more money, protecting what you have, expanding what you are investing just to build a life of true financial wealth. Yeah, as we know, larger cities, you tend to earn more. So there's the first check right there. Hopefully he's making good decisions, managing that money once you make it. And then from there, protect and grow as someone like myself, a financial advisor can step in.

You don't have to know those two parts. We help you protect and we help you grow. So just do your part by earned and manage. When we talk about generational wealth or just wealth building period, people think it's this grand, elusive, difficult thing or that you have to have a billion dollars before you can be wealthy. And I see that's something that the list of, or viewer wrote in is that when can they start building real wealth. So I want to ask you, like, what do you think a misconception around wealth is? What is real wealth? You know, what does that even mean? Well, Liz, let me tell you, some of my best clients, you would look at me sideways, like, how is that your best client? Teachers sometimes are my best clients. My worst client sometimes,

doctors. And on an earning, right, when we compare the earning, it's like you would think The doctor is my favorite client. Obviously, the doctor makes a lot more money than most teachers do. But manage that second pillar we toss about. Are we managing that money well? So sometimes the people with small amounts, they understand I have no room to play around with my income. And so they make those good decisions early. And it's deciding to say, deciding to fund their retirement account and being consistent.

It's not always about having a large amount of. money to put back. It's about putting back what you can, when you can, consistently over time. Some of my smaller earners are my best clients and grow to be my biggest client. As I've heard, is that wealth is not what you spend. It's what you keep. And when you're making a lot of money, it can be easy to spend a lot of money because you are maybe succumbing to some lifestyle creep. And then you don't have nearly as much as you might otherwise have to save or invest. Oh yeah. That person driving around in that brand new Ferrari, you might be looking at their retirement fund right there.

Yeah, something I always have to remind myself about when I see a really fancy car in the road is that this doesn't mean that they have a lot of money. It means that they spent a lot of money on a car. And they probably have a pretty big car note to pay for that. That's exactly right. And people often conflate class symbols and income with wealth when they're two different things. That's right. Look at what?

See, Jocke's, where it's the same T-shirt every day and drove what a Honda? I don't know. Don't quote me, but he didn't drive anything fancy. He didn't dress fancy. you would never know by looking at him that he was one of the wealthiest people. And I see that to be true in real life. India, something I want to ask you also based on the listener or viewers question,

we don't know what their finances are right now, but it is possible that they could be doing all the four pillars that you said but still feel like they're missing something or they're not building wealth. Those of us who know about personal finance know that sometimes it can get boring and it's just not that complicated, right? So how often should people be revisiting their strategy, assuming they're doing the four things that you mentioned. Wealth building is a long gain.

Wealth does not happen overnight. If you are bored with your strategy, you're probably doing something right. You're being consistent, you're making small decisions over time. It's not a glamorous fun, you know, buying a Ferrari is fun. Spending money is fun,

but saving and growing, real well, takes time, it takes consistency, it takes discipline. That's that hard word we don't like discipline. But that's what it takes. It's not always fun, but you'll look back 20 years and thank yourself for the boring, long game that you played. I'd love to hear your thoughts and some strategies that our listener could use to actually build that generational part of the wells in terms of maybe an estate plan or a trust. What do you think might be some key tools that they could Both of those that you mentioned are extremely important. A trust can help to protect what you have worked so hard to earn and to accumulate. A trust is something you would go to an estate attorney to formulate. Depending on how you construct that trust, you can put your assets into the protections like your house, any other property you might own, a real estate. You can put all of your accounts in whether it be investment accounts or checking or savings account.

anything of value jewelry, you can create this truck to protect so that when you do pass away, instead of it going to the state being claimed by the state or going to probate, having different ones fight over who is going to gain ownership of it. You have already defined that. And a lot of times you have created a tax-sheltered way to pass that down to saving you and your next generation money. Are there any instances that you've seen maybe with your clients where people don't have a trust and they have amassed a large amount of wealth and then that wealth kind of dwindles away and doesn't do the generational part? Yeah, that can happen. Without a trust and without beneficiaries being added on your accounts and asset, what happens is you go through probate, which means you've got to go through court. Now you have to pay attorneys and court costs.

And depending on your family dynamic, there could be feuds going on with who believes they deserve or get what. And those feuds can go on for years. Meanwhile, there's still maybe a mortgage that needs to be paid or property taxes that needs to be paid or whatever expenses that don't stop just because you die. And someone has to pay for these things. So while you are in court or while your family is in court fighting over ownership of your assets, bills are piling up. Taxes are knocking at your door. And someone's going to have to answer for that and pay that off instead of having a smooth transition where those things can be handled quickly upon death. Well, India, at what point can someone say, I guess back to kind of the meat of the listener's question that they've achieved maybe why.

or generational wealth, and can they kind of just relax and maybe just keep on going with their strategy? And that is something that each unique person has to define for themselves. What does wealth look like for me? And that is different. You know, I meet with some people, and we talk about retirement planning. Retirement is usually a goal that most people have. And one of the things I like to do in my planning sessions is say, just describe your perfect retirement for me.

Some people will tell me, you know, India, I don't want much. I just want to fit home on my porch and read a book, you know, sip my coffee, watch a movie here and there. I might travel once or twice across states, but I don't need too much. I want my house to be paid off, and I just want peace. Other people say, India, I want to travel the world. You know, I want to go to Greece and Rome and Africa, and they want to do all the things, or their children live all the way across the country, and they want to be.

visit four times a year or more. Or as they might say, I want to be a snowbird and have a second property down in Florida. Retirement can look so different. And wealth in general is like that, too. So I say define what freedom looks like for yourself. And a lot of times that consists of maybe freedom of education. Do you have the money to attend the school you want to? If that's something you desire is your time present or are you still clocking in, clocking out, or can you move about life freely? That's something wealth can help create for yourself. If you have the money to work when you want or how you want, that's something I would define in wealth. And so with those two things in mind, when I've achieved that for myself, then I have to look forward and say,

how much more money would take for me to accumulate for my children? to have that for my grandchildren to also have that freedom. So a lot of us who are first generation wealth builders, this is already quite a milestone to achieve that type of freedom for yourself. But then you kind of have to double or triple it when you're thinking about passing that down to the next generation and maybe even the next generation. That makes me think a bit about the order of operations of all this too.

You really do have to make sure that your retirement is, before you can kind of begin to think about passing on money to anyone else, right? That's right. Just like on the airplane, when the stewardess says, you have to put your mask on first. If this thing is going down, you need to put yours on before you try to help your neighbors, because if you're not breathing, then you can't help anyone. And that's the same with wealth. If your ship is sinking, don't try to extend yourself by giving money.

We all love our family, and we want to help what we can. but if you're not standing strong on your own two feet, instead of one person struggling, it's going to end up being two or more. We always hear about wealth building through things like the stock market, through real estate investing. Are there any other, I guess, mediums for wealth building that you use with your clients, aside from the obvious ones?

That I use personally know, I am a stock market investor. That is what I lean heavily on. But stock market is broad. It's not just stocks. It's bonds. It's CDs. it's ETS, it's mutual funds, it's unit investment trust, it's real estate investment trust, and more. So stock market investing is really broad.

It's for anyone starting off, all the way up to the most sophisticated, wealthiest investor. Everyone can get in at some point. But that is what I mostly focus on. And then I have my wealth building partner, such as the estate attorney that I told you about, who helped secure everything for their death. I do some insurance and have insurance partners too. So life insurance is crucial, crucial for wealth building and for generational wealth. A little known fact is that when it comes to life insurance, when you die, that money is passed on to the beneficiaries tax free.

Your investment accounts, your stock, your retirement accounts, those are going to be taxed and pretty heavily when you pass. settle on to your beneficiaries, but your life insurance policy, they get every dollar. If you have a million dollar policy on yourself, they're getting a million dollars. So that is something that has to be in a conversation when we talk about generational wealth. Kind of dark, but it made me think of the ID channel and why all those people kill their family members for the life insurance policy now. Tax-free money, eh? Tax-free money. Anyone listening, please don't do that. Okay. All right. We'll be back in a minute with another listener question. Stay with us.

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through exactly what to click, right inside the tool that they're using. Basically, your team's know-how doesn't disappear, even when people are out, even when new people join. Head to Scribe. Dot How slash Smart Money and mention NerdWallet's Smart Money podcast. You'll get your first month of Scribe capture for free on Select Plans. That's SCRR.I. IBE.h-O-W-smart money. All right, we are back, and now we are going to play you a voicemail which came in from another listener pertaining to generational wealth. Here it is. I am a first-generation college student, and I am very blessed in that I feel that I have, or I'm getting my money right.

But my question is not necessarily for me, but it's for those around me. So as I'm sure is the case with a lot of other people who are first generation, our family, whether it be parents or siblings or maybe even friends, aren't quite where we are at. And it kind of killed me to see them making financial decisions that I wouldn't really advise on or just not setting themselves up for the future in the way that I would. However, of course, you don't want to come off as overbearing and giving people advice that they didn't ask for.

So my first question would be, how do you go about staring people in the right direction, even though they might not necessarily ask for it when that's quarantined and when it might not be? The other question is when maybe that help get overutilized. There's this concept of the black tax and I'm sure it impacts other low-income people as well. But just this, I guess, expectation that when you're doing better, financially more than, you know, know, family members around you, it might be taken for granted. The second question would be, how do you navigate drawing that line as to, yes, I can help up to this much or no, I shouldn't help with that, et cetera. Thank you guys so much. Love the podcast. Bye. Okay, well, let's start

with the first question. India, I'm sure we all know people who are making what we think of as maybe not great financial choices in their life. Is it ever okay, in your opinion, to give someone unsolicited financial advice, I ask as someone who does this, maybe too frequently in my own life. I think no one wants unsolicited advice, no matter what it has to do with, especially money. Money is such a touchy subject. We don't tend to share those details with anyone, even those closest to us, our parents, our siblings, our grandparents, even our children. Believe it or not, I have plenty of couples that I work with where the spouse does not know everything that the other spouse has, going on. Wow. That's very common. Yes, how secret of money conversations can be. Unsolicited advice is not

warranted. I think instead a better approach would be to just say, hey, I have this tool or I have this resource that have been working great for me. I recommend it to you and then leave it there. It's up to that person to decide to use it or not. I always feel competitive. help to try to help people with their money. It's like a reflex at this point. I will ask if they want my opinion on something or kind of talk them through their situation and maybe chime in a little bit here and there without telling them what to do because that can be a big turnoff and make people feel really defensive and then maybe shut down and actually not take any action at all. And I mean, in shutting down, that's not helping anyone. So we have to be mindful of our approach

to people, even though it's coming from a good place. We're intending to health. If they don't want that help, you can't save them. You can't save someone who doesn't want to be saved. If they don't identify the problem, then the problem will continue. As a first-generational wealth builder, it is common that you see people around you kind of drowning financially. And sometimes they're also asking you for help. And there is that knee-jerk reaction now that you've seen the light and you know what to do with your finances, to want to kind of pull them up and help them as well.

So outside of giving advice and maybe resources, what other ways can you maybe try to help your family members, or remove yourself from it because you can also have what I think is like survivors guilt, right? Because you're surviving financially and they are not doing well and they're still making bad choices. It's difficult, man. It's tough because it's like, man, I made it. But why do I feel guilty or why do I feel like I'm obligated to do this for this person or that for that person? Or the opposite side of that coin is you don't make it and you stay on the struggle bus right with everyone else. So how do you win?

I think that as you are striving to accumulate wealth and build wealth for yourselves, you have to understand that that is going to come with some life changes. Everyone can't ride with you to the top. That is a hard pill to swallow sometimes, but it's the truth. As you rise, people will start to fall off, and that's okay. That's normal. People who see the light in you and see the good in you will ask the right questions, and will remain in your life and try to grow with you.

Those will be the people who try to learn what you're doing and use the resources that you're using. But the ones who are just draining from you, they're taking from you without pouring anything back to you, that's going to hinder your own growth. So it's okay to just recognize and accept that everyone can't rise to the top with me. Have you had any personal experiences yourself

as a first-generation wealth builder where you maybe have wanted to help loved ones but realize, like you said, it's going to slow down your wealth-building efforts? I can't say that I've dealt with it personally. I'm still building my wealth, okay? Let's be clear. I'm still climbing that mountain.

I don't think I'm qualified yet to reflect on that, but I do this all the time. Education is what I do. So no one who knows me can ever say that India didn't tell me. India never shared that with me. That's not true. I'm going to say it. I would go to the mountain top and spring it if I could. That is my

personal mission, to share everything I know with everyone, no matter who you are, what your background is, what your current financial status is. I have knowledge that can help us all, and I share it freely often. If anyone feels behind or less behind, they should come to me and have a conversation, and anyone with good intentions would be happy to share information. They're not taking money out of my pocket. It doesn't hurt me to share information. So I'll share it. So what are some ways that people can say no? Because we always say just say no or just don't help them. But how do you say no and also how do you deal with that guilt of saying no? It just goes back to what we said. Sometimes it's hard. Sometimes you feel guilty. There's nothing we can do to change that other than just

inwardly reflect and say, if I make this decision to give or to pour out in this way, way, how will it affect me in the short term or the long term? How will this impact me? Will I continue to be wealthy or to ascend to wealth? Or will this hinder me? And if the answer to that question is hindrance, then hopefully that would bring some sort of comfort in making the decision to say no, because maybe you're not even in a place to say yes to that question. If you have you, had Beyonce Jay-Z money. Okay, maybe say yes and then you won't think about it. But a lot of times our wealth building efforts are still gradual.

They're still growing. We're not fully there. And those small decisions along the way, remember, it's about consistency over time. And if you break that consistency by trying to show up for other people prematurely, you're breaking your own path to wealth and especially generational wealth. Just reflect inuitly and say, how is this going to impact any long term? And if you don't know the answer to that question, find an advisor, a professional who can help run those projections for you.

I work with parents and grandparents who want to pay for their child's education. And I have to literally run numbers for them and say, if you dish out $50,000 today, this is what your retirement is going to look like if you don't make any other decisions to earn money or replace that money as nothing else comes in. But we can literally run the numbers for you too. And that might help take the guilt off the table. You can say, hey, you know, I have the data here. And it says I cannot afford to do that for you right now. Thank you for saying that because that is something I struggle with as a first generation wealth leader. I also am not wealthy yet. So don't email me and ask me for no money. but I know that I'm not going to get wealthy if I keep trying to help the people around me as much as I want to help.

And as a recovering people pleaser, as I call myself, something I had to do is, like you said, sometimes you literally need to look at the facts in front of you. Can I afford to do this? And as much as I want to help, should I derail my savings goals right now or should I work within my budget? So something that I started doing is carving out

a giving amount. I've talked about it on the show how at one point I opened up a giving fund just this year to say, hey, whatever is in here, I can give away guilt-free. But the rest of the money has a purpose, and it means that I've had to say no sometimes. And you know, something else,

something someone said somewhere. I'm sorry, I can't credit you. But people come to you and ask for help. And if you say no, nine out of ten times, there's someone else out there who will say yes and who can help them. So you don't have to go around trying to save everyone yourself. I love that. Someone else can do it.

Maybe it's their time to shine, not my. And I love that you set aside. account for giving. You'd be fined it. You put a number to it. That means you have a plan in place and you're sticking to the plan and that is what wealth builders do. India, if you can think about one thing that makes someone who successfully builds generational wealth more successful than someone who isn't able to build that generational wealth, what do you think that would be? Spend less than you earn. It's always the simple things, right? It's simple, yeah. Simple. No profound the answer there. Whatever you earn, spend less. That's all. This has been a great conversation.

I'm glad this conversation is being had. I love the generational part to wealth because it means we're thinking of others and not just ourselves. So we should all be selfless in that way. Bills for yourself, of course, but think about the next generation for sure. Well, India, Elliot, thank you for joining smart money and sharing all of your wealth of knowledge. We appreciate it. Thank you. If anyone out there has questions about building generational wealth, please send us an email, a text, or leave a comment on this episode. And if you don't have a question, you're not off the hook.

Share your story. If you are currently on a generational wealth building path, maybe you've reached some roadblocks or you're doing well, please share any tips and tricks that you have with us. Hit us up on the nerd hotline. You can leave us a voicemail or text us at 901-7306373. That's 901-730 nerd. Or email us at podcast at nerdwollot.com.

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