Risk On Early | Hayden Ess | Growing Money with Sean Trace

I sat down with Hayden Ess, a wealth management expert with deep experience in annuities, advisor transitions, and financial planning, to unpack why so many of us feel lost when it comes to money. Hayden breaks down why financial advisors are becoming less like number-crunchers and more like life coaches, and why fee transparency should be the baseline, not the exception. We dig into why young people are more comfortable day trading than actually investing for the long haul, and why that's backwards.  We also talk about his work with Fiduciary Gives, a nonprofit helping future CFPs earn their certification through scholarships.What's one money lesson you wish someone had taught you before you turned 18?