Ep 85: The New Financial System Is Already Here (And Most People Will Miss It)
Release Date: 11/12/2025
Ep 97: The Top 4 Emotional Reasons You’re Losing With Money (and How to Break the Cycle)
Money On My Mind
The Emotional Traps That Quietly Destroy Your Finances Most financial problems aren’t caused by lack of knowledge. They’re caused by emotion. In this episode, I walk through the four emotional traps that keep people stuck with money. Avoidance. Scarcity. Guilt. Shame. These patterns don’t just slow progress. They quietly sabotage it, even when someone knows exactly what they should be doing. We talk about why people avoid their numbers, why scarcity keeps them small, how guilt turns abundance into punishment, and why shame convinces people it’s too late to change. You’re not broken....
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Ep 96: Why I’ll Never Use a Financial Advisor (And You Don’t Need One Either)
Money On My Mind
Do You Really Need a Financial Advisor Or Just a Better System Most people are told they need a financial advisor because money feels complicated and emotional. The truth is that complexity is often the product being sold. In this episode, I break down the data behind the average investor, the real cost of advisor fees, and why most people do not need to outsource their wealth to someone charging one percent every year. We walk through simple math, behavioral traps, and the exact conditions where professional help might make sense. More importantly, we talk about what actually works for long...
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Ep 95: The Storm That Built Us: One Year Later
Money On My Mind
In this raw and powerful episode, I share the untold story of how our family's life completely fell apart in 2024 – and how we rebuilt stronger than ever. When our daughter's seizure disorder collided with a hidden mold crisis that cost us our home, belongings, and $300,000 overnight, we faced impossible choices that would break most families. What You'll Discover: The shocking truth about mold toxicity that forced us to abandon everything we owned How we navigated our daughter's complex medical journey while losing our home The unexpected spiritual awakening that came from hitting rock...
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Ep 94: You’re failing because you don’t have systems
Money On My Mind
Why Systems Beat Motivation Every Time Most people believe success comes from grinding harder, waking up earlier, or being more disciplined. The truth is that motivation fades and willpower breaks. In this episode, I explain why systems are the real foundation of long term success and how removing emotion from daily decisions creates consistency, scale, and freedom. We walk through what a system actually is, why they compound like money, and how simple documented processes outperform raw effort every time. This episode is for anyone tired of relying on motivation and ready to build something...
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Ep 93: How the Wealthy Use Taxes as an Offensive Weapon
Money On My Mind
Most people treat taxes like an unavoidable expense. The wealthy treat them like a strategy. In this episode, I break down how high net worth individuals and families legally and ethically use taxes to build wealth instead of losing it. We walk through the mindset shift, the incentives built into the tax code, and the four biggest strategies the wealthy use to lower their effective tax rates while compounding assets. This is not about loopholes or shortcuts. It is about understanding how the system works and using it intentionally. If you are tired of reacting to taxes and want to start...
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Ep 92: The Truth About Why You’re Still Stuck Financially (and How to Finally Break Free)
Money On My Mind
Stop Playing Small With Your Money: The Real Reason You're Financially Stuck If you've read all the books, tried every budget app, and still feel like you're spinning your wheels financially - this episode is your wake-up call. In this raw and direct conversation, I'm calling out the elephant in the room: You're not stuck because you lack discipline or don't make enough money. You're stuck because you're trying to figure this out alone with broken tools and bad mentors. I share the powerful story of Mandy, a Cincinnati mom who faced an impossible choice - deciding between her child's emergency...
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Ep 91: If you’re still playing by the old money rules, you already lost
Money On My Mind
The Old Money Rules Are Broken Here’s What Actually Works Now Most people are still following financial advice that was designed for a world that no longer exists. Save your money. Get a degree. Work for forty years. Retire if nothing goes wrong. In this episode, I walk you through why that playbook is broken and what the new money rules look like in today’s economy. We break down the shift from saving to ownership, from jobs to skills, from “someday” to designing freedom now, and from waiting to moving while things are still messy. Using real examples and simple math, you’ll...
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Ep 90: What Logan Is Teaching Me About Life, Leadership, and What Actually Matters
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Ep 89: The Best Time to Invest Might Be When It Feels Impossible
Money On My Mind
Why You’ll Never “Feel Ready” To Invest And Why That’s Exactly When You Should Start Most people believe they need to fix their debt, earn more money, or feel confident before they can invest. But the truth is the opposite: The moment you feel unprepared is often the moment that matters most. In today’s episode, I break down the real logic, real math, and real stories showing why waiting is costing you thousands, while action, even imperfect action, is what creates momentum. We cover the false belief of needing to feel ready, why freezing is the worst reaction, and how...
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Ep 88: What 100 Years of Market Data Tells Us
Money On My Mind
Is it too late to invest when the market hits all-time highs? That’s the question everybody is asking, and the truth will surprise you. This episode breaks down exactly why trying to “time the market” is one of the most expensive mistakes you can make, and why long-term, consistent investing still outperforms every prediction, headline, and emotion you have. I walk you through the data, not opinions: • Fidelity’s study showing the best investors were people who did nothing • How missing just a handful of the best market days destroys your returns • Why staying invested, even at...
info_outlineIf you think you’re using money the same way your parents did, you’re already behind.
If your entire view of Bitcoin is based on headlines, you’re missing the point.
And if you think this “crypto stuff” is just a fad, then today’s episode will shake your perspective.
Because what we’re living through isn’t just a tech revolution; it’s the early stage of a complete financial reset. The system you were taught to trust is showing its cracks, and a new one is quietly being built in real time.
In this episode, I’ll walk you through what’s really happening beneath the surface of our economy: how the legacy system is breaking down, why blockchain isn’t the same as crypto, and why Bitcoin stands alone as the foundation of a new era. We’ll unpack what central bank digital currencies (CBDCs) could mean for your freedom, how tokenization is changing ownership, and what you can actually do right now to prepare for what’s coming next.
This isn’t about hype or headlines. It’s about understanding the future of money before the rest of the world wakes up.
Episode Timeline & Highlights
[0:00] – Introduction: Why the way we use money is already outdated
[1:00] – The cracks in the old system: banks, inflation, and eroding trust
[4:30] – Blockchain ≠ Crypto: the foundation of the new financial internet
[7:30] – Bitcoin ≠ Crypto: digital property, not a startup project
[11:30] – What’s coming: CBDCs, tokenization, and digital IDs
[15:30] – What to do now: education, ownership, and early infrastructure
[19:00] – Closing: The financial system is molting. Will you be ready?
Key Takeaways
The Old System Is Breaking: Inflation, inefficiency, and control are signals that the traditional system is unsustainable.
Blockchain Is the Infrastructure: It’s not about coins; it’s about a trustless, verifiable system the world will soon rely on.
Bitcoin Stands Alone: It’s not just another crypto. It’s digital property, the foundation of a new monetary network.
Preparation Beats Prediction: The people who win in revolutions aren’t the loudest. They’re the ones who understood the shift early and acted on it.
Quotables
“If your view of Bitcoin comes from headlines, you’ve already missed the real story.”
“Banks still run on 1970s rails. You send a wire Friday, it lands Monday, if you’re lucky.”
“Most crypto is a startup. Bitcoin is a protocol. One builds features. The other preserves freedom.”
“The system isn’t just evolving; it’s molting. And under that shell, something entirely new is taking shape.”
Links & Resources
Learn more about Budgetdog Academy: https://budgetdog.com
My book, The Roadmap to Financial Freedom: https://budgetdogacademy.com/order-now
Follow me on Instagram: https://instagram.com/budgetdog
If this episode challenged how you think about money, share it with someone who’s still trusting the old system. Because the future isn’t waiting, and understanding what’s coming next is the first step to staying ahead.Episode Description