Ready-to-use description following your three-block format, including guest links, four highlights, chapters, and five hashtags. What if the reason you're not building wealth isn't how hard you work, but the financial rules you were never taught? In this episode of The Builder's Edge, host Deanna Lucas sits down with financial educator, author, and Financial Literacy Group founder Ronald Harris to challenge the traditional American Dream and explore how everyday Americans can rethink debt, retirement planning, financial independence, and generational wealth. For business owners, entrepreneurs, working families, and anyone wondering why a good income doesn't always lead to lasting financial security, this conversation explores the difference between earning money and building wealth. Ronald shares insights from more than 20 years in the financial industry, including how banks and wealthy families approach money, the importance of understanding interest rates and cash flow, and why financial literacy can change long-term financial decisions. You'll also hear about concepts from Ronald's book, The New American Dream, including tax-advantaged wealth strategies, indexed universal life insurance, hybrid financial arbitrage, retirement income planning, and building a financial legacy that extends beyond your lifetime. Whether you're approaching retirement, growing a business, managing credit card debt, or trying to create a better financial future for your children, this episode will encourage you to ask smarter questions about where your money goes and what it's building. What You’ll Learn → Why hard work doesn't always create wealth: Discover how income, cash flow, interest payments, financial education, and long-term planning affect the money you're able to keep. → How wealthy families approach money differently: Explore Ronald's perspective on life insurance strategies, tax-advantaged financial structures, and making money serve more than one purpose. → How to rethink debt and retirement planning: Learn about identifying financial leaks, understanding high-interest debt, budgeting tools, and evaluating your options before retirement. → How to build a legacy beyond your business: Understand why succession planning, financial education, family wealth, and intentionally preparing the next generation matter. If you've spent years building a successful business, does your online presence reflect your experience, reputation, and expertise? Join Deanna's free five-day challenge to discover opportunities to strengthen your business's online visibility. Set aside 30 minutes this week to complete your American Dream Reality Check. Ask yourself what you're building, where your money is going, what financial questions remain unanswered, whether you're relying too heavily on one source of income or retirement savings, and what kind of legacy you want to leave. Subscribe to The Builder's Edge with Deanna Lucas for more conversations about business ownership, financial education, entrepreneurship, leadership, and building a future that lasts. Learn more about Deanna Lucas through the following links: AI Visibility Scorecard Builders Visibility Blueprint DND Website DND Youtube Email Template for 5 Star Reviews Facebook Facebook Group LinkedIn Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.