Smart, Not Spoiled & Beyond the Money with Chad Willardson

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As family men with thriving businesses, we’re used to providing our kids with a rich and enjoyable life.

Even though I want my kids to have an awesome life, I don’t want them to get too comfortable and get everything they want without earning it.

So how do we provide a good life for our kids while teaching them the values and principles to be financially and emotionally independent adults who crush it in life?

Allow me to introduce you to today’s guest, Chad Willardson. Chad is a husband and father of five kids and the Founder and President of Pacific Capital. He’s also the best-selling author of Stress-Free Money.

He is one of the top wealth management experts in the country who helps 8 and 9-figure entrepreneurs remove their stress about money, increase their cash flow and free up a ton of their time. As a father of five, Chad’s also passionate about showing parents how to teach financial principles to kids.

In our conversation, we dig into why it’s important to allow your children to experiment and learn from failures and how to challenge them without pushing too hard.

Chad also shares an epic story about how he created a babysitting guide for hiring and paying babysitters that he’s had tremendous success with that you won’t want to miss.

We also talked about how achieving financial and lifestyle freedom is not mutually exclusive and the difference between being rich and wealthy. We also discuss the importance of being intentional with your spouse and why ego won’t get you anywhere in relationships or business.

One last thing! If you leave an honest review of this episode, mention Chad, screenshot it and send it to with your mailing address, and I will buy a copy of one of Chad’s books. You pick the book, and I’ll ship it to you. (US residents only).

Last but not least, our Front Row Dads Wealth and Legacy Online Summit is coming up in January 2023. Save your spot right by visiting

Chad Willardson Podcast Highlights

  • How he started Pacific Capital after the 2008 crisis and grew it into a behemoth that manages over $1 Billion of investments.
  • Why people constantly seek his advice on babysitting.
  • What inspired him to write his bestseller Smart, Not Spoiled.
  • The importance of teaching kindness, discipline, and effort to your kids and how Chad taught his kids to be self-reliant. (Fun Fact: Four of Chad’s kids have their own businesses!)
  • Why high achievers are intentional in spending quality time with family.
  • Losing your temper never leads to a solution.
  • Two things that have immensely helped Chad in life: saying no and surrounding himself with A players.
“This is how we should be parenting, giving our kids experiences that teach them that the world is bigger than themselves.” - Chad Willardson Share on X “We miss opportunities to share with each other when we put our ego first.” - Chad Willardson Share on X “I can’t resent success and be successful. I can’t resent wealth and be wealthy.” - Chad Willardson Share on X

Chad Willardson Links & Other Resources


Chad Willardson Bio

Chad Willardson

Chad Willardson is the Founder and President of Pacific Capital, a fiduciary wealth advisory firm he founded in 2011 that serves entrepreneurs and families. His bestselling first book, Stress-Free Money, has been featured in Forbes’s “21 Books To Read In 2021” and on NBC News and Yahoo! Finance.

In addition to serving the family office clients of Pacific Capital, Chad also manages the $450 million investment portfolio as the elected City Treasurer in his community.

Chad is recognized as one of the top wealth management experts in the country and has appeared in The Wall Street Journal, Forbes, Inc., U.S. News & World Report, Entrepreneur, and Financial Advisor Magazine. He lives in Southern California with his wife, Amber, and their five children.

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