Most families lose their wealth not because they didn’t earn enough—but because they didn’t build a system to protect it. Discover how true wealth preservation across generations starts with passing down a family financial structure, not just assets. You’ll learn why teaching the next generation how money works is the difference between legacy and loss, and how the simple rule of never spending principal can keep families out of the debt trap forever.

In this episode of the Private Banking Strategies Podcast Vance Lowe and Seth Hicks Esq., expose how societal norms are quietly keeping families financially dependent and drowning in debt—and why it’s time to rethink what you’ve been taught about money. Finally, we challenge the traditional view of insurance and reveal how the wealthy use it as astrategic financial tool, not just protection.

Vance and Seth discuss:

• The Wealth Trap No One Talks About: Why Most Family Money Dies by the Second Generation
• Generational Wealth Preservation: Passing Down a Family Banking Structure, Not Just Assets
• Teaching the Next Generation How Money Really Works (And Why Schools Don’t)
• Never Spend Principal: The Golden Rule That Prevents Debt and Protects Cash Flow
• How Social Conditioning Keeps Families Broke, Dependent, and in Perpetual Deb
• Rethinking Insurance: From Expense to Wealth-Building Financial Tool

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