Ep 66: How Money Mindset Shapes Financial Freedom
Money On My Mind
Hey everyone! In today’s episode of Money on My Mind, I’m bringing you a special treat: my recent interview on Self Improvement Daily with Brian Ford. We dug deep into one of the most powerful—and often overlooked—parts of your financial journey: your money mindset. You’ll hear us unpack how your subconscious beliefs about money shape your financial outcomes, why many of us unknowingly hold ourselves back, and what you can do to break through old patterns. We also explore practical steps to take control of your finances by automating your plan and surrounding yourself...
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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...
info_outlineIn 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 learned, and exactly how you can avoid the same traps. If you’ve ever felt stuck, frustrated, or confused by the financial system—you are not alone. This episode is your wake-up call.
Key Talking Points of the Episode
00:00 Introduction
01:24 $304K in debt by age 23
03:12 Breaking down the debt: student loans, car loans, and a $10K ring
05:20 What I could’ve saved with just a little effort in high school
06:38 The $22,000 car mistake (and why “safe” doesn’t mean “smart”)
07:25 A $10,000 engagement ring… on $2K in the bank
09:08 The overpriced mattress and marketing that got me
11:10 How societal expectations impact your financial health
12:42 The real reason people are broke
15:00 Why accountability is the only way out
18:03 Automations to help you pay off your debts
23:56 How the Budgetdog Academy has helped thousands of people
Quotables
“I didn’t have a money problem—I had an awareness problem.”
“Accountability is the key. You didn’t create the mess, but it’s still your job to clean it up.”
“Your system should be so simple, it works without you thinking about it.”
Links
Budgetdog