The Chris Voss Show - The Chris Voss Show Podcast – Smart, Not Spoiled: The 7 Money Skills Kids Must Master Before Leaving the Nest by Chad Willardson

Episode Date: June 21, 2026

Smart, Not Spoiled: The 7 Money Skills Kids Must Master Before Leaving the Nest by Chad Willardson https://www.amazon.com/dp/1544524250 Chadwillardson.com Two-thirds of American parents today think their children are spoiled. From toys and laptops to smartphones and cars, our kids have grown increasingly entitled in what they believe we should do for them. Kids may not appreciate the value of a dollar, but it’s hard to blame them. After all, what have they learned about money? Managing finances is rarely covered in schools, and as a parent, you probably don’t know where to start. How do you provide a strong foundation of financial knowledge for your kids with these gaps? What should they learn each year? How do you teach a skill set you never received yourself? In Smart, Not Spoiled, financial expert and bestselling author Chad Willardson provides you with practical tools, tips, and stories that will help you teach the kids in your life how to think about money. Chad explores the seven skills your kids should know—and master—before they’re adults and helps you improve the financial literacy of everyone in your household. When it comes to financial success, you want your kids informed and prepared. This book is your chance to learn together so that the new path you forge for future generations is the right one. About the author Chad Willardson, CFF, CRPC, AWMA, is the President of Pacific Capital (a fiduciary wealth advisory firm he founded in 2011 that serves entrepreneurs and families) and ELEVATED (a coaching program for a select group of growth-focused entrepreneurs). He is the author of six best-selling books, creator of a new banking app that helps kids manage money, and Co-Host of The Smart Money Parenting Show, number 2 Podcast on Apple worldwide for Parenting, Kids & Family. Before founding Pacific Capital, he spent 9 years at Merrill Lynch, where he ranked in the top 2 percent of over 16,000 Financial Advisors nationally. In addition to serving the family office clients of Pacific Capital, Chad also manages the 650 million dollar investment portfolio as the elected City Treasurer in his community. Chad is recognized as one of the top wealth management experts in the country and has appeared in The Wall Street Journal, Forbes, Inc., NASDAQ, Yahoo Finance, U.S. News & World Report, InvestmentNews, Entrepreneur, and Financial Advisor Magazine. He lives in Southern California with his wife, Amber, and their five children.

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of the show may be advertising on the podcast, but it's not an endorsement or review of any kind. Today's featured author comes to us from Books to Life Marketing.co.com. With expert publishing to strategic marketing, they help authors reach their audience and maximize their book success. We have an amazing young man on the show with us today. He's an author of many books that are very insightful on how to improve the quality of your life, your wealth, your money, and all that good stuff. Because, well, money doesn't solve all your problems. Sometimes it can make more problems. If you read his books, you'll be smarter on what to do with your money.

See how I set that up? I just made that up. That's well done. Yeah, that's why they pay me $5 a day here. He's the author of the book called Smart, Not Spoiled. The Seven Money Skills Kids Must Master before leaving the Nest. Chad Willardson joins us in the show. We're going to get into it with him.

Find all the deeds, some of the other things, because it's so amazing. They don't teach kids about money, credit, all that stuff before they leave the house. and before they know it, then they're in trouble with mobsters and Owen Vegas. I'm just doing a joke. Anyway, Chad Willerson is the president of Pacific Capital, a fiduciary wealth advisory firm. He founded in 2011 and the founder of Elevated, a coaching program for fast-growing entrepreneurs. He's the author of six best-selling books, the co-host of the Smart Money Parenting Show, ring number two on Apple Podcast Worldwide for Parenting Kids and Family.

and the co-creator of Gravystack, a banking app that helps kids learn to manage money. I'm hungry now. Before founding Pacific Capital, he spent nine years at Merrill Lynch, were ranked up in the top 2% of over 16,000 financial advisors nationally. He serves as the elected city treasurer in his community, managing a $650 million investment portfolio. He's been featured in the Wall Street Journal, Forbes, Inc., CnBC, NASDAQ, and Entrepreneur. He lives in Southern California with his wife, Amber. And they're five children. Welcome to the show, Chad. How are you, sir?

Great. Thank you for having me. Appreciate it. Thank you for coming. We really appreciate it too. Give us your dot com, sir. Where can people find you on? Yeah, just Chad Willerson.com. Best place to find out what's up. So give us a 30,000 overview. What's inside this book? Yeah, this book's Smart Not Spoiled. It came about because I was getting so many questions from people about how I approach teaching money to kids, to my kids. and it's something that's just not taught in the school system very well, if at all. And so this book is really a practical guide for parents and families to teach their children how to be smart with money and not spoiled.

Ah, keep them from being spoiled, but also teach them responsible and how to handle money and all that good stuff. When I was a kid, my parents like 10, 11, 12 or something, they took us down and they got a pass-book savings accounts. I think a checking account, too. Back then, they paid you a flat 6%. It was pretty rich. We didn't know how good we had it. And I mean, you could put $10 in there and get 6% on it. So what are some of the things and techniques that you espouse in the book that you can tease out?

We need people to buy the book to find out. But what are some techniques or some of your favorite tips on how to help kids. I think it's important. First and foremost, if you could take away one thing from this conversation, it's that you need to start having money conversations in your family. And that's the part that most people miss. They don't even have the conversations. Parents are afraid to talk about it.

They don't know what to teach. And that's understandable because none of us were really taught. We learned just through experience. So in this book, I teach a lot of the basics about money, about borrowing, about credit, about investing. I put a chapter called Know Your Cash Flow, Learn to Earn. So teaching kids and young people how to actually earn money, how it works. I think that's incredibly important. And a little bit about investing early and often because the power of investing really is in the time that you give it.

And so it's important for young people to learn that they can actually make a huge impact with investing a small amount at a young age. Yeah. And we see that now in today's world. Now, it's cited in the book, two-thirds of American parents today think their children are spoiled. Yeah. From boys to laptops to smartphones and cars. there's a bit of entitlement going on. Is that true then? That's the feeling. And I think it's not their fault necessarily. We order stuff on Amazon and a box shows up the next day or quicker.

And young people have no idea how that happened. They just saw us push a button on the phone or you go up to the checkout and you give somebody a card and you get to eat whatever you want or put whatever you want in the grocery basket. And so if we don't explain that, I don't know how we expect them to understand the process of earning and spending money. money. If you need money, you just ask mom or dad, right? Isn't that the way? Isn't that how you get money in the world? The bank of mom and dad. Yeah, absolutely. I've got a, I've got a friend who I never got married and had kids. I can't afford the divorces. I'm still saving up a few million dollars right now for my first divorce and then I'll get married. But I like having 100% of all my shit. Yeah. I never had kids. And I remember I was living next door to a friend in Vegas at the time. and he was my age in his 50s, I think a little bit older.

And I was saying, it's really great. You got the kids out of the house there and you're doing all the thing. He goes, he goes, hell no, bank of dad never closes. 24-7. He goes, they like that you call me at 50 is to borrow money. I'm like, I would change my number and fake my death and just move on. And it doesn't have to be like that. It doesn't have to be like that.

If you raise responsible, financially responsible kids, they'll be a lot more independent when they're older. Now, what about, so do you think getting accounts like, I think there's child credit card accounts they can get now, but learning to manage credit maybe is one thing. God, I wish they teach in school. They don't teach. Yeah. It's crazy. They don't teach anything about personal finance.

And then everyone turns 18 and what do they get? They get solicitations for credit cards immediately because they're eligible to borrow $10,000, $20,000 with a 30% interest rate on a credit card. And then they're in Hawk up to their teeth. We see that a lot of, I used to see that a lot here in Utah, and they would be, they would be these kids, they get married at a very young age here. They used to, and so they're getting married 18, and then they're using all those credits to buy a house, cars within a very, within a year, they're having kids and they're strapped. And so it's pretty wild. Now, what do you think, what are some of your thoughts on allowances? Do we need to give kids allowances, or we should make them go to work and mow lawn?

Yeah, I've never given our kids an allowance. My oldest is almost 22. Youngest is 10. And they work. They work to earn. And that's something that we've always believed in. So you don't get money just for existing. You've got to do something to get it. Now, what about chores? If you do chores, do you get the thing? Some chores we consider to be just part of being in the family. And those are expectations. If you want above and beyond chores to earn some money, then you can look at some harder projects that we have. available. I like that. Yeah. I like that. Being able to, because we used to get an allowance, I think it was a quarter a week or something. I grew up in the 60s, people, the 70s people. That's not much, but that's a long time ago. Yeah, it was a long time. Back then for a quarter, you could buy a, like a Snickers bar, 10 cents. You buy a stickers bar. Now they're 3.50. And I was looking at a candy out the other day, and everything was like 350. I'm like, this is like a monopoly here. This is clearly price fixing. Anyway, yeah, I like that idea, though, because there are some things that, you know, and it's probably a good lesson that you're doing this to support your family.

And this is your family. And someday you're going to have your own family and you're going to have to do a lot of these duties. And no one's going to be an allowance for that. In fact, if you're probably going to get an earful if you don't do whatever you did. Right. So I like this. There are certain things that mowing the lawns probably, I don't know, doing the, we used to have to take turns. One of us would empty the dishwasher and the other would fill the dishwasher and we'd take turns.

But, you know, a lot of that's just part of being in a family. That's right. Yeah, the trash cans, the yard, the dishes, setting the table, clearing the table, making your bed, cleaning your bathroom, all that stuff. That's just part of the deal. You live here for free, so you've got to do some work. Yeah, yeah. You get out there for free.

What about those kids who say to you? Sadie, I didn't choose to be brought in this life. In fact, I believe there's a famous lawsuit of it right now where some young lady is suing her parents because she did not choose to be brought into this world. Therefore, she believes, this is a real thing. It's crazy. She believes that they owe her a penance for existing and not having the choice to be alive for the rest of her life, or at least until 30.

I can't even relate to that craziness. I don't know what to say. Yep. Yep. And that's why you don't let him out of the cage, folks. No, don't do that. We can't do it anymore. That's not right. I don't know why it is legal for me to put my dogs in a cage either,

but that's another matter. What are some of the other things that you espouse the people should do? I really talk about teaching them to get out there and earn money doing something outside the home. Yeah. One of our kids had a dog walking business. Oh, really? Yeah, another child who was very good of basketball, did basketball clinics and was able to make over $100 an hour, having lots of kids come get trained at the park. Creative, teach your kids to earn money and doing something that they enjoy and learn that work can be, work doesn't have to be drudgery.

It can be doing something you like and that you're good at. Yeah. And there's pride. That's something you learn when you do work. You do your own work. Not the kind that's funded by mom and dad. It kind of has like an edge to it. You're kind of like a nepotism hire at that point.

Are you kids or nepotism hires? I don't know. but I always wanted a whole gaggle of children, but mainly for slavery, because I was going to send one to Cordon Blue chef to be a chef so that's whatever kid could cook for me. And then another one to do a cleaning school to learn how to clean stuff. So that would be the cleaning kid. And then I have the foot rub kid, the back rub kid, and just a kid who's on call as a butler all the time. He wears a little Butler outfit. That's hilarious.

That's what I was planning. But if someone tells me that probably won't work out. out, so I don't know. But you're a wealth advisor. How important is it to teach your kids about investing early? A lot of people don't get this. It's incredibly important. If you can invest $500 a year at age 18, that's equivalent of investing tens of thousands of dollars a year at age 40. So it really does make a difference if you can teach young people to begin investing and participating in the economy at a young age for sure. Yeah. And entrepreneurism too. I love that you're teaching your kids on entrepreneurship and how to learn to make money out of their ideas, right?

Yeah, I think it's a great when they can actually be a part of creating an opportunity and then learning how to work and earn money. And they gain a lot of confidence when they do that on their own rather than me just telling them what to do. Yeah. When I was young, I didn't know what I was doing back then. Even when I started my first company, no one called it really being an entrepreneur. I think it was called being an entrepreneur. but no one was doing it. It wasn't like, you're an entrepreneur now.

Now everybody's an entrepreneur that has a website, I guess. And they're all CEOs. But back then, when I started, I just wanted to build a BMX bike, so I could race BMX bikes, and I loved going on tracks and jumping and stuff like that. And so I wanted to build myself a nice, expensive bike. My parents were, my family was poor. And so I started mowing lawns, and I had a little business.

I had my clients, I mow the lawns for every week, and make five bucks, I think it was back then. I think it was five for the front and five for the back. I think that was the deal. So if they wanted both, I was banking it, right? And back then, the stickers were 25 cents, so I could buy 50 of them. But no, that entrepreneur skill and development, I am so grateful for. Now, I wasn't always happy at the time back then because I didn't understand the big picture,

but it would have helped if I would have had some parents selling me the big picture what I was doing. Hey, you're learning pride. Hey, you're learning to be entrepreneur. No one, entrepreneurism wasn't promoting my family. Go to college, get a job, and I don't know, work for the man for 40 years and hope he gives you a gold watch. And I was living through the age where that was dying in the 80s. And the pride that comes from earning. And then I think when I was 11, I got a newspaper route for this newspaper.

It was like a coupon newspaper that you do twice a week. And that was a lot of work. But it taught me pride. It taught me to have pride in my route and the work that I was doing and the people that were happy, they come out and be like, hey, thank you very much. And then some of the people that would throw the paper at me as I put on their door. But it taught me a lot of grit and sometimes you don't feel like going to work. You got to go to work. It's true.

And hard work is something that I think will make young people stand out because not everyone's learning it. Oh, yeah. Yeah, it's, it's, we see that a lot with the complaints about Gen Z. And it seems like every, every time there's an article, they're beating up the poor folks about how Gen Z this, Jen Z this, Gen Z that. But we had a lot of this helicopter parenting thing going on. One of my favorite TikToks is this teacher who's a, I guess he's a coach and he's also teach something in school other than coaching. He does a dual role. And so he reads these, these letters that these parents, that these parents, parents send him and they're insane.

And so you heard Johnny's feelings, I think. So we need to have a counselor come in and you demanded that he operated a meritocracy where he has the good grades of pay attention. And he doesn't want to do that. And you're being unfair to him. There's always that fair word that comes up in those conversations. And so that's, in the world of helicopter parenting, I think kids that are taught to be entrepreneurs and stand out are going to be great.

It's going to make all, you're going to have all the difference in the world because it's going to be rich in the future, especially with AI. And you can create stuff. My nephew recently came to me and told me he was doing some stuff on eBay. And he's always been in these magic, these magic cards, the magic game, I guess is called. And he knows how to resell them and which ones are the hot ones and how to make money. So he recently got laid off. And he started this little thing.

He was afraid to tell me about it. He said, I don't have this side hustle. You're going to make fun of me probably because I don't have a job. And I'm like, no, this is really great. You're learning how to use your entrepreneurial mind to create wealth out of thin air and of ideas. And we need to teach this to more kids. Parents, I think, really cripple their kids when they don't give them that option. That's right.

Parents often step in and do the hard work for the kid or they protect them from struggle and failure, which really is meant to help them grow and develop. Now you have five kids. What does money education look like in the Willardson household on a regular day? We talk about it openly. I talk about investments that I'm looking at. I talk about business projects I'm doing. I will include them.

I've taken some of my kids to entrepreneur conferences with me. Just kind of be my buddy there. Yeah. So it's been a great opportunity for them to learn and get up close to it. And see, that's the thing. When I talk to a lot of entrepreneurs in the show, I'll ask them. I'll be like, were your parents and entrepreneurs? What was the influence that led you down this?

And usually entrepreneurs have entrepreneur children, right? Sometimes if they struggled as an entrepreneur, maybe the kids got turned off a little bit. I need a big job because whatever. But they just work good entrepreneurs and some people fail. But having five kids, imagine they negotiate every which way they can to get whatever they want for free, right? If they're not working you, they're working mom, right? It's true. How do you deal with keeping a balance on that and what's necessary?

What's that thing that Gen Zers now, the Lubbubu? They all got to have a little doll or some crap. I just, whatever, it's like a, I guess it's an emotional support doll or something. How do you deal with those sort of instances? I think we take a pretty practical approach. Our kids are active. They do a lot of things, whether it's school or community stuff or sports. Our kids are so busy.

They're not really caught up in some of the, they don't have video games at home. Oh, really? No, they don't. Yeah, we don't really watch TV in the house. They play a lot of sports. That's what they do. That occupies a lot of their calendar. So we keep them active.

We keep them active and we keep them focused on goal setting and work. And they have good socialized with their friends, but they're not sitting around scrolling social media. Our kids don't get a cell phone until they're 16. Oh, really? Yeah. Yeah. Those cell phones are really melting a lot of these guys' brains.

It's true. Don't go on the real world. They don't learn what the real world is. Instagram is such a fake world. The world is just so fake. I run a huge dating group, and the filters that people are using are just sheer calf fishing at this point. It's pretty much criminal.

And so you look in this dystopian, or seemingly utopian, but really dystopian sort of online world, you're like, everyone's a millionaire. Everyone's hustling. Everyone's doing well. Everyone's going on vacation every month. And you see all this weird stuff. And then you don't really hear until you spend a lot of time looking and seeing it. The fallout.

Oh, this person's fake. Oh, this person faked all their wealth. Oh, this person stole a bunch of money from someone. and it finally caught up to them and it turns out they they were using the purse of money and so it creates a lot of imaginary world and you or I grew up in the world of analog

so we can differentiate these things but these poor kids that are raised in this they just think this is normal yeah and some of these kids have a cell phone at age five or six and they're just used to iPads and cell phones and they don't know what's real and what's not and they can't have a conversation with another human being looking face to face.

And so for us, cell phones at 16 is not easy, but we've found it to be very, very effective in teaching our kids to not rely on it as a young person. Yeah. And being able to interact and communicate, but you see just these phone zombies walking around and they're on, I swear to God, we need to open mass dopamine rehab clinics for these people. They're just attached to their phone 24-7.

and I might be included in that figure two folks. I remember one time I was sitting in the bathroom. I was looking for my, no, I was looking for my phone to go into the bathroom. And I remember thinking, why do I need my phone to go in the bathroom? What is, what is wrong with me? I poop for 30 years before they invented cell phones or 25 years or something. Or at least before they became common. And I'm not that old, folks.

I think cell phones were invented in the 50s or 60s. But maybe I am that old, 68. But yeah, it's, it's, I sit and look at it. Like, sometimes I'm like, I'm just going to go get some coffee or drink out of the, out of the fridge from my office desk. And I'll be like, wait, take my phone. What's going to happen in the 20 steps between here? True.

It's a habit. It's an addiction for all of us for sure. Definitely, definitely. Can you list the seven money skills for us? Yeah. So I'll jump to the intro of Smart Not Spoils. and just give you a quick teaser. So chapter one is invest early and often.

Chapter two is borrow wisely. Chapter three is know your cash flow. Chapter four is talking taxes. Chapter five is learn to earn. It's protect who and what you care about. And seven is give generously. I love it. And you've got giving and charity in there too.

I do. That is so important, especially when you're young and being on. Mosh, learning to give back, learning to be charitable. It makes such a difference. Now, you have something you co-created called Gravystack. I'm hungry again. A banking app for kids.

How does this tool bring the lessons in life? And is it open for all kids that can use it? Yeah, so Gravy Stack has morphed, change names into dinner table. Okay. So dinner table, and we love the name because the important money conversations that aren't happening or are happening need to be happening at the dinner table. Dinnertable.com. It's a platform where parents can connect and get very simple money lessons to help teach

their kids to be smart, not spoiled. Be smart, not spoiled. You see these kids that are like, life isn't fair. I'm not getting like anytime I see that entitlement, if you're a kid who says life isn't fair, man, I just want to smack you up at the head too. Your head spins around about 10 times so hard. And then I'll be like, did you get the point yet? Anyway, you can't do that.

CPS says they had to stop. But these are just jokes, folks. But no, it's a banking app's really important. Do you recommend they get checking and savings accounts at a young age? Yeah, I do. I think kids should become familiar with doing money things in the real world. So having a check and account, having a debit card, and learning how that works is really important. Even if they're 8, 10, 12 years old.

Yeah. even how to balance the checking account. That's right. Yeah. They don't teach that in school either, man, like how to balance your checking account. Not at all. I spent a lot of years when I was young going, I still have checks. Everything's fine.

My account's negative? What? I learned that when I was young. But my parents, they took us and got us checking and stuff. I think 11 or 12 for us and set that up and all that good stuff. So I think it's really important. So when a parent finishes this book, Is this something the kids should read or the parents should read or both?

Kids over 12, kids 12 to 25, other than that parents. I don't think a kid under 12 would really get too much out of it, but over 12 for sure. Given the book and see, read this and this is what our plan's going to be and I do it. And I imagine communicating and leading with a plan like this is really important, letting everybody know what the plan is, how it works. and there's little to no variation or whatever the rules are. Yeah, and I think it's okay to incentivize kids to read the book. Hey, here's a little financial reward if you read this book

and we talk about it together. Great way to start. I think it really is. A lot of these hard conversations just don't happen. I went through the same thing, and you see the line in Fight Club. It's one of my favorite scenes or site. And they're sitting in the, I think Brad Pitt's sitting in the tub and the other guy is sitting there.

And he goes, we're the, we're the parent, we're just, we're children raised by children. We've, we've got, I asked my dad, what do I do? He says, go to school. All right. So I went to school. What do I do now? Go to college. What do I do now?

I graduated. Get a job. What do I do now? I got the job. Get a wife and kids. And there's not really deep sort of conversation. That was my parents thing, too, to me was go get a job. Go to college, learn some stuff, and go get you a job.

That was it. That was their whole vision for me. And given back then, that was pretty normal. There wasn't a lot of entrepreneurs running around back then. There are now. It wasn't like a now it's a common. Everyone's an entrepreneur at this point, really. And I checked with a gal in the corner and she said she was an entrepreneur. Greatly. Anyway, everyone's an entrepreneur now. Now, let's talk about some of the things you offer on your website personally for people. I know you've got a lot of other books. How many books total do you have? Seventh book is coming out in September. All right. Congratulations. Do you have a, you want to tease out the title or anything? Sure, yeah. It's called Room to Grow. It's essentially how your proximity, the people in your orbit will influence your success, your health, everything around you. So be careful about the rooms you put yourself in and put your kids in. Yeah. Or your spouse. That's one of the other things. I'm a big believer in that. You are the sum total of five or six people you surround yourself with. Yes. They will have the most influence. Whether you realize it or not, you will mirror those people. That's right.

You do that as like in children when we're growing up, we mirror our parents' relationship behaviors, and we take those blueprints into life. And so the same thing happens with the people you surround yourself. If you got to remember my business partner for many years, he would want to go down every weekend and spend time with his family that lived on a farm. And there were wonderful people and they did wonderful things. But his brothers would just sit around and just do the usual bitching about the government and X, Y, Z, and a lot of victimhood conversations about the government's doing this, government's doing that. That's sort of a real sort of conversation.

And it would be the same conversation every time I go down there. You could literally record it and play it back the next weekend, and it would be the same conversation. Exactly. And they just bitch about the same damn things that everyone were. And I finally said to my friend, I go, number one, these guys are a bunch of negative dansies. Anything you want to do, they've got all the reasons. The reasons why it's not going to work. You can't do it.

And I go, I can't handle, I can't be around these people because they're fucking up my thinking. We built two companies simultaneously that I was running at the time. And I was losing my freaking mind. And to be around those people was just such a downer. But thankfully, we were outside of those people where we were really become. becoming successful. And if you're not, a lot of those people hold you back. Oh, don't start that business, Chris. That's dangerous. Bob started a business in 1975 and went bankrupt. Don't be like Bob. You know, like, there's lots of bobs, but there's also lots of successful bobs. And so I like that.

So you've got the books coming out. What else? I think there's a coaching or consulting that you offer. Yeah, elevated. Elevated. Yeah, Fully Invested.com is the web for that. But elevated. as a group of ambitious entrepreneurs from all over that connect. They get one-on-one accountability coaching every week from our coaches. And that's something that a lot of entrepreneurs appreciate because they don't have a lot of people supporting them and their goals. It's a lonely venture being an entrepreneur. And then we have peer group masterminds and retreats and things like that for our members.

So great community. And then you have Pacific Capital. Can people invest over there? Do they need to be in credit investors? How does that work? Yeah. Yeah, Pacific Capital is more of a boutique, family office, wealth management company. So we've only got about 20 families that we work for.

Oh, really? Super high net worth. So that's generally not something that's promoted out there just because it's such a niche audience. But I'd say for the most people, elevated for entrepreneurs, and then the books for people who are trying to grow and have a better wealth lifestyle. Money, you can't solve all your problems. Sometimes it makes your problems worse if you don't take care of yourself. But it definitely makes it so you can have some space to move than hire psychiatrists.

Yeah. Money can't buy happiness, but it allows you to be miserable in some very nice places. Yeah. It let me buy a boat that I could put the psychiatrist on so they could tell me how bad I'm being all the time. So we call it the psych yacht. Oh, wow. That's great. Just making shit. That's great.

This stuff I come up with. So, Chad, before we go out, anything else we want to promote on the show while you're here. I think that's it. Fully Invested.com and my book that's coming out in September, room to grow. Check it out. Check it out, folks. And check out all of his books. You've got quite a lot of books here on the Amazonian, as we like to call it, Amazonian.

Amazonian. And they can check out all those books. Beyond the Money, Eight Lifestyle shifts for entrepreneurs, stress-free money. That's always a good one because a lot of people have the belief system, stress over stuff. Why Work Life Balance is Totalize another book, Fully Invested. So lots of great stuff people can take and do here and clean up their money issues. Because we all grew up with money issues. Our parents would tell us, we can't afford that because they just didn't want to buy the sugar cereal that was going to make us bounce off the walls and make them go mental further.

And so there's a lot of money issues. And some people, when they see money, they change. Like when I lived in Vegas for 25 years now, whenever I meet somebody who's addict, a gambling addict, especially. Man, when they see money or they see casino stuff, there's like a light that goes on that's a shittery light. And you're like, dude, you need to detach a lot of emotion from money and realize that it's a great tool. But if you're not using it logically, you'll be losing a lot of it emotionally. 100%. Yeah, 100%.

And Chad, it's been wonderful to have you. And thank you for your insightful thing. I need to just buy a sample of your books. Every time I go out to restaurants with brady screaming kids, I'll just throw a book in them. Just pass it around. Yeah, just passing around.

Assuming they can read, because usually the people that, never mind, I'm in Utah right now. So anyway, Chad, give us your final dot coms as we go out. Yeah,

Chadwilerson.com and fully invested.com. Folks. Thank you very much, Chad, for coming on the show. We really appreciate it. Thank you. Thank you to my eyes for tuning in. Order up his book,

wherever fine books are sold. Smart and not spoiled. The seven money skills kids must master before leaving the nest. If your kids are using words like it isn't fair or they're acting with entitlement and the world owes them something,

it's time to teach those kids something. So get them this book. Thanks for mine for us for us for tuning in. Go to Goodreads.com, Fortresschristch, Chris Foss, LinkedIn.com, Fortress Christch, Chris Foss, 1 on the TikTok and you know all those crazy places in it. Be good to each other.

Stay safe. We'll see you. next. You've been listening to the most amazing, intelligent podcast ever made to improve your brain and your life. Warning. Consuming too much of the Chris Walsh Show podcast can lead to people thinking you're smarter, younger, and irresistible sexy. Consume in regularly moderated amounts. Consult a doctor for any resulting brain bleed.

All right, Chad. Awesome job.