7 - Debt Part 1

“Yeah, I don’t see anyone in our family becoming that successful.” - My grandmother

Breaking the Chains of the Past
In this first of a two-part series, Joe Wanner opens up about his early financial struggles and how they fueled his determination to break generational poverty. From being born into a large Filipino immigrant family to being the oldest of six, Joe’s childhood was full of love but short on money—and he didn’t realize it until comparisons with his peers began to surface.

From Payless to Privilege
Middle school and high school exposed Joe to economic disparity. While classmates wore Jordans and received iPods, Joe showed up in Shacks from Payless and $10 gifts. A pivotal moment came at his 8th-grade graduation, overhearing a family member doubt anyone in their family could ever be successful. That moment lit a fire in Joe’s soul—and he decided the legacy would change with him.

Sacrifice and Grit
Joe shares the incredible sacrifices his parents made to get him into a top private school through financial aid. While other students arrived in BMWs, Joe caught two buses before sunrise just to make basketball practice. He recounts how these humbling experiences strengthened his resolve to succeed financially and reshape his future.

Conclusion
This episode is a raw and real look into the early life experiences that shaped Joe’s hunger for financial freedom. It’s not about playing victim—it’s about using the past as power. Get ready for Part II, where Joe dives into the debt and struggles of early adulthood.

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Chapters
01:46 Growing Up with an Immigrant Mentality
04:56 High School Realizations and Financial Aid
10:11 The Impact of Socioeconomic Disparities
15:17 Overcoming Challenges in College and Beyond

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