When “Not Me” Happens | Broc Buckles | Growing Money with Sean Trace

In this episode of Growing Money with Sean Trace, I sit down with insurance pro Broc Buckles to talk about the unsexy side of wealth that actually keeps your whole plan from falling apart. We get into why fee-only financial planners are such a game changer for regular people, how term life insurance, disability insurance, and umbrella policies quietly protect your future, and why “it won’t happen to me” is one of the most dangerous beliefs you can carry into adulthood. Broc breaks down, in plain English, how disability insurance can protect your income, why locking in term life insurance when you are young and healthy is such a smart move, and how a simple umbrella policy can save you from getting wiped out after a car accident or lawsuit. I share personal stories about friends and family who lost everything because they did not have the right coverage, a heart scare that changed my own insurability, and even a wild Hollywood scam that shows how “shiny object syndrome” can blind us to obvious red flags. We connect it all back to long term wealth building, Stoic thinking, and that Navy SEAL mindset of hoping for the best while preparing for the worst. If you have ever wondered how insurance really fits into financial planning, how to protect your family, or how to find advisors who are not just trying to sell you a high commission product, this conversation will give you a real world playbook for using insurance as a key part of your personal finance and long term wealth strategy.