Ep 58: The Secret to Winning
Money On My Mind
In this week’s episode of Money on My Mind, I dive into a real-life experience that had me reflecting deeply on the power of accountability—and why it’s absolutely critical if you want to win in life. I share the messy (and at times frustrating) story of how a simple car accident turned into a lesson on ownership, responsibility, and the hard truths many people avoid. This episode is a wake-up call for anyone who’s tired of playing the blame game and is ready to step into true leadership in their finances—and their life. Tune in to hear my take on how personal...
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Ep 57: The Attitude You Need to Adopt Today to Win Financially
Money On My Mind
In today’s episode, I’m diving into the critical attitude shift you need to make if you want to win financially—and in life. Inspired by a shoutout to Nick Foles and Pat O’Donnell, we talk about how aggression, not passivity, is the real game-changer. I’ll walk you through personal stories from my college days, a career-defining moment at Deloitte, and lessons I’ve learned about how being passive can cost you big time. If you’ve ever felt like success is just out of reach, this episode will show you why your mindset might be the missing piece—and how you can turn...
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Ep 56: How to Master Money With Your Spouse
Money On My Mind
In this deeply personal and unfiltered episode, I’m walking you through one of the most important money topics out there—how to master finances with your spouse. But here’s the catch: your money issues aren’t really about money. They’re about communication, subconscious beliefs, and emotional disconnect. I’ll break down the real reason couples fight over Target spending, how to identify the root cause of financial friction, and the exact approach my wife and I used to go from misaligned to financially free and emotionally in sync. I also share some very real moments from our...
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Ep 55: Why Day Trading Will Keep You Broke
Money On My Mind
Let’s talk about the uncomfortable truth no one on social media wants to admit: day trading is a losing game and it’s keeping you broke. In this episode, I’m breaking down the real data behind day trading, the psychology that traps people in get-rich-quick loops, and why building wealth the fundamental way is always the better bet. I’m not here to sell you screenshots of fake trading profits or flashy wins, I’m here to walk you through real strategies that have built millions for real families. If you’ve ever been tempted to trade based on hype, social media charts,...
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Ep 54: Eight Principles For Success
Money On My Mind
In this deeply personal episode, I’m sharing the eight principles that helped me go from $304,000 in debt to a self-made millionaire by 30—and how those same principles are now fueling my fight for something far bigger: my daughter’s health. You’ll hear the raw truth about what financial freedom really feels like when you’re also battling a life-threatening condition like Dravet Syndrome. I’ll walk you through the mindset, systems, and decision-making tools I’ve used for over a decade—tools that don’t just apply to money, but to health, family, fitness, and faith....
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Ep 53: My Biggest Money Mistake
Money On My Mind
In this episode, I’m pulling back the curtain and sharing my biggest money mistake—the one that left me and my wife with $304,000 in debt by age 23. It was reckless, avoidable, and rooted in the worst kind of financial influence: societal pressure. From student loans I didn’t need to cars I couldn’t afford, I followed the crowd straight into financial chaos. But I didn’t stay there. I took full accountability, built an automated financial system, and climbed out of that hole to become debt-free and financially independent by 30. I walk you through every painful mistake, what I...
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Ep 52: Should I change my health insurance to get access to the HSA?
Money On My Mind
This week I’m answering a killer question from listener Adam Weber: “Should I change my health insurance plan just to gain access to an HSA—even if my current coverage is better?” It’s a loaded one, and in this episode, I break it all the way down: how HSAs work, what “high deductible health plans” really mean, when it makes sense to make the switch, and why the HSA might be the most powerful financial tool nobody’s talking about. Whether you’re W-2, self-employed, or managing family health expenses, this is a must-listen if you want to optimize both your...
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Ep 51: Can You Share Your Favorite ETFs?
Money On My Mind
A lot of you have been asking: What are your favorite ETFs? And while I could just list them, that wouldn’t be doing you any favors. In this episode, I’m breaking down exactly how to think about ETFs so you can make smarter investment choices for your unique financial situation. We’re going beyond just picking funds—I’m giving you a framework that helps you understand why certain ETFs make sense and why others don’t (even if they work for someone else). I’ll walk you through the key factors, from brokers and tax advantages to risk profiles and automation. By the end...
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Ep 50: How Should I Prioritize Paying Off Debt vs. Saving & Investing?
Money On My Mind
One of the biggest financial questions I get is: Should I pay off debt first, or start investing? In this episode, I break it all down with a clear, step-by-step framework to help you figure out exactly what makes the most sense for your situation. We’ll cover how to analyze your cash flow, interest rates, and long-term goals, plus why anything over 6% interest needs to go ASAP before you even think about investing. I’ll also walk you through using amortization schedules and compound interest calculators to compare different scenarios—because numbers don’t lie. At the end...
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Ep 49: How to Make Money Today
Money On My Mind
In this episode of Money on My Mind, I break down exactly how to start making money today—no gimmicks, no fluff. A listener asked, “What can I do to earn more money?”, and I’m giving you a proven framework to build wealth by understanding value, developing skills, and leveraging access. Most people overcomplicate making money, but it all comes down to providing value to the marketplace. Whether through a job, a business, or investing, you need the right mindset, skills, and network to increase your income. I share real strategies on how to identify problems, create valuable...
info_outlineIn this episode of Money on My Mind, I dive into one of the most common (and urgent) financial questions: Is the market going to crash? One of our listeners, Stephen Lundy, asks whether he should be worried, how to secure his investments, and whether moving to bonds is the right move. Instead of focusing on fear, I break down what truly builds wealth: long-term strategy, understanding risk, and taking consistent action.
We’ll break down the Wealth Triangle, the risks of market timing, and why dollar-cost averaging is key—even in volatility. I’ll also share data on how missing a few top market days can cost you millions. If you’re unsure about investing, this episode will give you the clarity to stay the course and avoid costly emotional decisions.
Key Talking Points of the Episode
00:00 Introduction
01:23 Is the market going to crash?
02:23 Why fear-based investing leads to bad decisions
05:21 How market volatility tricks investors into losing money
06:45 The Wealth Triangle
09:23 The importance of mental fortitude
12:24 Building an automated system to generate cash flow
14:22 The real definition of the stock market
16:37 The fundamentals of investing that you should understand
19:16 Understanding the importance of risk management
24:21 How missing the best 10 days of the market can sink your money
28:01 Why market timing does not work
30:31 Developing the right mindset towards investing
32:27 How waiting could impact your returns
https://bookwithbudgetdog.com/ped
Quotables
“The market isn’t some mystical force—it’s people, businesses, and the economy. Unless humans stop working and innovating, the market won’t just disappear.”
“If you wait to invest because you’re scared, you’re literally throwing away millions of dollars over time.”
“You don’t build wealth by reacting to fear—you build it by making smart, consistent moves over time.”
Links
Budgetdog