What People Really Want From Their Money Today, and Why the Old Model Is Failing Them
- Brainz Magazine
- 2 days ago
- 4 min read
Updated: 15 hours ago
Wendy Lyon, also known as "The Financial Lyon" and “The Millionaire Maker,” is a nationally recognized financial strategist, international speaker, author, and media host. She helps women and the people they love ditch debt, build wealth, and protect their future, without sacrificing their lifestyle or values.
Money used to be simple. But today, people are thinking about their finances more than ever, and it’s not because they’re dreaming of yachts and private jets. It’s because they’re worried.
A recent report shows that Americans now spend nearly four hours every day thinking about money, primarily from stress, not ambition.[1]
Financial anxiety has officially become an emotional, physical, and psychological issue. It affects our sleep, our marriages, our career choices, our confidence, and our quality of life.
I understand this on a deeply personal level. My 24-year-old husband was killed in a motorcycle accident, and I was left to raise two little girls alone. He had $20,000 of life insurance. The financial hole was $1.6 million. I learned fast that the greatest threat to your financial future is not the stock market. It’s the unexpected. And today’s financial landscape is full of the unexpected.
The top money worries keeping people up at night
Across generations and income levels, several consistent fears are dominating people’s financial mindset:
Inflation and rising costs: Groceries, gas, utilities, and housing costs have surged, creating pressure even for six-figure earners.[2]
Fear of unexpected expenses: According to Money.com, unexpected costs are the No.1 financial concern heading into 2025.[3]
Debt stress: Americans now carry $1.3 trillion in credit card debt and $15.7 trillion in household debt.[4] Debt is no longer a budgeting issue, it’s a mental health issue.
Market volatility: After years of unpredictable markets, people are losing trust in the “just invest and hope for the best” philosophy.
Fear of outliving savings: With rising longevity, many fear they’ll run out of money long before they run out of life. Financial stress is no longer about dollars, it's about security.
The emotional side of wealth (that no one talks about)
Money doesn’t just affect your bank account. It affects:
Your stress levels
Your sleep
Your physical health
Your relationships
Your career decisions
Your sense of safety
I often say, “If you’re a billionaire lying in a sick bed, dying of Stage 4 cancer, you’re not wealthy. You’re just a sick guy with a lot of money.” True wealth isn’t a number. It’s peace. It’s health. It’s quality of life. And that’s what people are desperately craving today.
People want a plan, not more products
Today’s consumers are financially aware. They research everything. A study found that 96% of households earning $100,000+ research a financial advisor online before hiring one.[5] People want:
Transparency
Clarity
Options
A roadmap they can follow
Control over their future
What they don’t want is another complicated financial product or a spreadsheet they don’t understand. This is why systems like my Financial GPS are so transformative. Using factorial math and 4.5 million lines of code, it shows people the exact month and year they’ll be debt-free, without changing their budget or lifestyle, and how much wealth they can build once the debt is gone. People aren’t asking for miracles. They’re asking for certainty.
Why the old financial model is breaking down
The advice most people still follow was built decades ago, in a world that no longer exists. Back then:
Pensions were guaranteed
Housing was affordable
Jobs were stable
Markets were steady
Healthcare costs were manageable
Today’s reality is the complete opposite. Relying solely on a 401(k) or IRA is no longer enough. These plans:
Offer no guarantees
Are fully exposed to market losses
Don’t protect income
Don’t protect against disability or illness
Don’t address rising taxes
People want strategies that are safer, smarter, and stress-resistant.
What people truly want from their money today
When you look beneath the surface, people want five things:
Security: The confidence that one emergency won’t wipe them out.
Freedom: The ability to choose their lifestyle, not be controlled by debt, fear, or the markets.
Clarity: A personalized plan they can actually understand.
Options: They want alternatives, not one rigid “follow the market and hope” strategy.
Impact: They want their money to matter. To help their family. To support causes they care about. To create a legacy of meaning.
For many, wealth is becoming less about accumulation and more about self-determination.
The path forward: A new definition of wealth
In my work with clients, I’ve learned this. Wealth is not built by chance. It’s built by design. And that design must include:
Paying off debt in a third to half the time (or less)
Protecting your life is your most valuable asset
Building tax-free cash value
Creating guaranteed income streams
Reducing taxes
Eliminating market risk
Planning for long-term care needs
Aligning money with purpose
Financial freedom isn’t about having millions. It’s about having choices. It’s about sleeping at night knowing your future is secure. It’s about creating a life where you can thrive. It’s about roaring again.
Final thoughts: It’s time to redefine wealth
The way people think about money is changing dramatically. They no longer want to just retire comfortably. They want to live fully, with purpose and peace.
The old model focused on accumulation. The new model focuses on freedom. And with the right plan, one that protects, grows, and empowers, anyone can create a life where they’re not just surviving. They’re living like a rock star.
Read more from Wendy Lyon
Wendy Lyon, Transformational Financial Strategist
Wendy "The Financial Lyon," is a transformational financial strategist, speaker, and host of the acclaimed TV show Wealth & Wisdom. With two decades of experience, she's helped thousands ditch debt, build multiple millions in wealth, and create lives of abundance, with confidence, zero risk, zero apologies. Her journey began with a tragic loss, widowed when her husband died in a motorcycle accident at 24, and left to raise two young daughters with only $20,000 in life insurance. That ignited her mission to ensure others are financially prepared for whatever life throws their way. She rejects outdated financial advice built on hope, hustle, and risk and helps people raise the bar, rule their finances, and roar into a future they love.
References:
[1] Press Center
[2] Think Adviser
[4] Federal Reserve
[5] Wealth Tender
