# You Don't Need a Huge Income to Build Real Wealth (SB1825)

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Text version: https://stenobird.com/podcast/the-stacking-benjamins-show-745268/you-don-t-need-a-huge-income-to-build-real-wealth-sb1825.md
Podcast: [The Stacking Benjamins Show](https://stenobird.com/podcast/the-stacking-benjamins-show-745268)
Published: 2026-04-06T07:03:00+00:00
Episode link: https://www.stackingbenjamins.com/how-to-live-like-a-midwestern-millionaire-1825/
Audio file: https://pscrb.fm/rss/p/mgln.ai/e/345/rss.art19.com/episodes/285a97e1-02d1-408b-97ac-658dd6b7c5dd.mp3?rss_browser=BAhJIg90cmFuc2NyaWJyBjoGRVQ%3D--952c5701c84ad333c69d5faa668f8177091704f0
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JSON: https://stenobird.com/v1/public/podcasts/the-stacking-benjamins-show-745268/episodes/you-don-t-need-a-huge-income-to-build-real-wealth-sb1825
Duration seconds: 3953

## Resource

A Kiplinger study of 1,000+ everyday millionaires found four traits that kept showing up. None of them involve a big salary, a hot stock tip, or a lucky break. This week Len Penzo, OG, and Joe dig into what those habits actually look like in practice, how to train yourself to spend with intention, and how to find a financial advisor who does what you actually need. In this episode: The "Midwest millionaire" traits anyone can adopt, why becoming a great saver can make you a terrible spender, the monthly money habit that takes 20 minutes and changes everything, and exactly what to say when you're interviewing financial advisors. Biggest takeaways: Frugality without intention is just suffering. The millionaires in this study were the last to spend on themselves and the first to give generously to others. Not cheap. Intentional. Set a money goal big enough to compete with impulse spending. Once you have a real why, "I deserve this" stops winning. When looking for a financial advisor, lead with exactly what you want in the first five minutes. A real professional will tell you if it's not their specialty. Resources mentioned: Len Penzo's blog and book True Money Stories at lenpenzo.com The Stacking Benjamins scorecard: stackingbenjamins.com/scorecard The Vault (budget and net worth tracker): stackingbenjamins.com/vault FULL SHOW NOTES: https://stackingbenjamins.com/how-to-live-like-a-midwestern-millionaire-1825 Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201 Enjoy! See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info .

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