Why do so many families build wealth—only to lose it by the third generation?

In this powerful episode of Bartelle's Money Talk, we sit down with Dr. Joaquin Wallace, financial planner, educator, and behavioral finance expert, to uncover the real reason generational wealth fails—and what families must do differently to change their financial future.

Dr. Wallace introduces a groundbreaking concept: 👉 Your financial genetic code — the inherited money narratives and behaviors passed down without your permission.

This conversation goes far beyond budgets and spreadsheets.

We discuss:

• Why money silence destroys family wealth
• How financial trauma and “scar tissue” shape money decisions
• The difference between being rich ...