Ep 52: Should I change my health insurance to get access to the HSA?
Release Date: 03/25/2025
Ep 65: Building Budgetdog
Money On My Mind
In this special episode, I’m sharing a powerful conversation I had as a guest on the Two Comma Club podcast with Jonathan Marsh. We got real about what it means to break free from the traditional 9-to-5, the mindset shifts that changed my financial future, and how I turned my personal finance struggles into a mission-driven business helping thousands of others. You’ll hear my full journey—from crushing $300K of debt to building Budgetdog Academy into a thriving brand. We also dive into the practical tools that helped me, the challenges I faced leaving corporate life, and the...
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Ep 64: Why You Sabotage Your Own Financial Goals (And How to Stop)
Money On My Mind
Welcome back to Money on My Mind! Today’s episode is one of the most personal and powerful I’ve ever recorded. Despite battling a heavy heart and a tough cold, I felt compelled to sit down and share something deeply important: why we so often sabotage our own financial goals—and more importantly, how to break the cycle. I open up about recent personal loss and the emotional struggles that come with it, tying it all back to how our mindset and subconscious beliefs can quietly but forcefully derail our money journey. We dive deep into childhood money scripts, upper limit...
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Ep 63: The $300K Mistake That Taught Me the Value of Health Over Wealth
Money On My Mind
In this deeply personal episode of Money on My Mind, I walk you through the emotional and financial rollercoaster that followed what seemed like the perfect move for our family. We left everything behind to relocate for our daughter’s specialized medical care—only to discover our dream home was poisoning her. A hidden mold and mycotoxin issue triggered severe health setbacks and cost us nearly $300,000 in recovery expenses. From dealing with a rare epilepsy diagnosis to losing almost all our possessions and scrambling to relocate again, this episode is a raw, transparent look...
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Ep 62: Why I Started This Podcast
Money On My Mind
In this episode, I dive deep into the heart of why I created this podcast—and why I believe it’s about so much more than money. From humble beginnings and life-altering challenges to building a thriving community focused on purpose-driven financial freedom, I open up about the real reason this show exists. You’ll hear my journey of going from a negative net worth to building a life of freedom, and why sharing not just the “how” but the “why” behind financial success is critical. This podcast isn’t just about spreadsheets and Roth IRAs—it’s about values, mindset, and...
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Ep 61: How I used Fear to become a CPA and Leave my 9 5
Money On My Mind
I’m showing up raw and real in this episode—white tee, unfiltered, and straight from the heart. I take you behind the scenes of my journey from fear-filled moments to life-altering breakthroughs. From failing multiple CPA exams to quitting a secure job at Deloitte, from launching Budget Dog to facing my daughter’s rare medical condition—every leap was powered by fear. But not the kind that paralyzes; the kind that fuels you when there’s no other choice but to rise. In this episode, I share how fear can either break you or build you. I recount how I used fear to pass the CPA...
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Ep 60: How My Student is Now Making $500k per Year
Money On My Mind
What if the only thing standing between you and a massive income jump was your mindset? In this episode, I walk you through the real-life transformation of one of my students, who went from juggling multiple part-time jobs and drowning in debt to landing a $500,000 per year position. Her story is more than just about money—it’s about reclaiming confidence, cutting loose the things that held her back, and stepping boldly into a new season of life. We explore the three core shifts that led to her breakthrough: investing in herself, releasing dead weight (financial and emotional), and...
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Ep 59: Against All odds & Defying the Impossible
Money On My Mind
We all love a good comeback story—but what happens when the setbacks keep coming? In this episode, I’m getting raw and real about the most challenging season of our lives, and how we pushed through against all odds. From leaving a stable W-2 job and facing an unexpected diagnosis with our daughter, to losing our home and rebuilding from scratch—not once, but twice—this episode is a front-row seat to what resilience really looks like. If you’ve ever felt like life keeps hitting harder just when you think you’re catching your breath, this one’s for you. I’m sharing not...
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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...
info_outlineThis 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 coverage and your long-term wealth.
Key Talking Points of the Episode
00:00 Introduction
01:46 What is an HSA and how do you qualify?
02:44 W-2 vs. self-employed: setting up your HSA
04:24 Factors to consider before choosing an HSA
05:48 How to compare plans: premiums, deductibles & out-of-pocket max
06:23 High deductible health plans vs. traditional plans
08:47 Situations where switching to a high deductible plan makes sense
10:40 How your employer HSA works and why you can switch providers
12:31 The real purpose of an HSA
13:52 Pre-tax adjustment
15:11 Growing your investment interest and tax free
16:13 Tax-free withdrawals
18:37 Investing your money in the HSA
20:26 Tax-free medical reimbursements
22:15 Retirement benefit
24:10 Final verdict: When switching insurance for the HSA is worth it
Quotables
“The HSA is literally the best financial tool out there. The government was drunk when they made it because it’s that good.”
“Use a high deductible health plan to access the HSA, and you’ve got a wealth-building machine.”
“Just because a plan is labeled ‘better’ doesn’t mean it’s better for your long-term wealth strategy.”
Links
Budgetdog