You Don't Have an Income Problem. You Have a Money Plan Problem with Tony Bradshaw

Becoming a millionaire is not reserved for people born into wealth, earning enormous salaries, or getting lucky. According to Tony Bradshaw, it begins with a conscious decision—and a plan to make, manage, and multiply your money with purpose.

Tony is the author of The Millionaire Choice, host of The Millionaire Choice Podcast, and a former engineer who went on to lead in technology, business, and financial education. After recognizing at age 25 that he was earning money but managing it poorly, Tony made the decision to change his financial trajectory and become a millionaire by 40.

In this episode of Business, Finance and Soul, Tony and Shaun discuss the beliefs and behaviors that keep people financially stuck, why income alone does not create wealth, and the practical steps anyone can begin taking to improve their financial future.

They explore how to develop a wealth-building mindset, increase income, eliminate destructive debt, invest consistently, and teach the next generation a healthier relationship with money. Tony also explains why wealth should never be the final destination—it should be a tool for creating freedom, impact, and a meaningful legacy.

In This Episode, You'll Learn Why becoming wealthy begins with making a conscious choice How childhood experiences shape your relationship with money Why a higher income does not automatically produce financial freedom The difference between looking wealthy and actually building wealth How to create a practical financial plan instead of relying on motivation Why increasing your income is an essential part of wealth creation How debt and lifestyle inflation quietly delay financial independence The importance of investing early, consistently, and intentionally How parents can teach children stronger financial habits Why wealth needs a purpose beyond accumulating more money 00:00 – Introduction: The operating system behind Tony's life Tony shares how growth, learning, faith, and cash flow shape his approach to business, money, and family.

02:36 – The 1% Better Every Day Rule Why Tony believes continuous learning—and applying what you learn—is one of the most important drivers of long-term success.

04:57 – The three biggest levers that drive business growth Tony breaks down the importance of innovation, leadership development, team development, strategy, and vision.

07:48 – Building and innovating during the early growth of Ramsey Solutions Tony discusses developing online ticketing, e-commerce, lead