What if paying off your mortgage isn’t the finish line, but just the start of smarter financial choices? This episode explores the real cost of the American dream, why debt-free living means more than zero balances, and how self-directed brokerage accounts can reshape your retirement strategy. Joe Valenzuela and Julia Valenzuela break down family expenses, budgeting tips, and the importance of teaching kids about money.

For more information, please visit ValenzuelaFinancial.com!