loader from loading.io

Ep 87: $0 to $5M Blueprint (see Google Drive Link to right)

Money On My Mind

Release Date: 11/26/2025

Ep 97: The Top 4 Emotional Reasons You’re Losing With Money (and How to Break the Cycle) show art 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....

info_outline
Ep 96:  Why I’ll Never Use a Financial Advisor (And You Don’t Need One Either) show art 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...

info_outline
Ep 95: The Storm That Built Us: One Year Later show art 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...

info_outline
Ep 94: You’re failing because you don’t have systems show art 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...

info_outline
Ep 93: How the Wealthy Use Taxes as an Offensive Weapon show art 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...

info_outline
Ep 92: The Truth About Why You’re Still Stuck Financially (and How to Finally Break Free) show art 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...

info_outline
Ep 91: If you’re still playing by the old money rules, you already lost show art 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...

info_outline
Ep 90: What Logan Is Teaching Me About Life, Leadership, and What Actually Matters show art Ep 90: What Logan Is Teaching Me About Life, Leadership, and What Actually Matters

Money On My Mind

When Life Forces You to Zoom Out: Leadership, Faith, and What Really Matters This episode isn’t about money, investing, or business tactics. It’s about life, when it stops you in your tracks and forces you to reevaluate everything. I open up about what our family is walking through right now with our daughter, Logan, and how this season has reshaped the way I think about leadership, time, faith, and legacy. This is a raw conversation about carrying responsibility while your heart is heavy, about showing up when you’re exhausted, and about learning that some of life’s greatest lessons...

info_outline
Ep 89: The Best Time to Invest Might Be When It Feels Impossible show art 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...

info_outline
Ep 88: What 100 Years of Market Data Tells Us show art 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_outline
 
More Episodes

From negative $8,000 to $5 million net worth, what's the real blueprint? 💰 It's not what most people think. The path to wealth isn't paved with higher income or perfect spreadsheets. It's built on requirements most people ignore completely.

In this episode, I share the exact framework I used to build generational wealth from scratch. We dive into the non-negotiables: the mindset shifts, the environment changes, and the automated systems that separate the wealthy from everyone else. This isn't motivational fluff—it's the practical roadmap I've personally executed and taught to thousands of students getting real results. 📈

I break down why your ego might be your biggest asset or liability, why consumption (what you see, hear, and who you're around) matters more than income, and how to build financial systems that run on autopilot. Plus, I reveal the "speed hacks" that compressed my journey from $1M to $5M into just four years through strategic access to skills, connections, and private deals. 🚀

Episode Timeline & Highlights

[0:00] – Opening: The zero to $5 million blueprint revealed
[1:45] – My credentials: From -$8K to $5M (why experience matters)
[3:20] – The foundational principle: "Know what they know, do what they do" 🎯
[5:15] – Requirement #1: Calibrating your ego for wealth
[8:30] – Requirement #2: Mindset—why "I can't" keeps you broke
[10:00] – The consumption diet: What you see, hear & absorb daily 👁️
[13:45] – My radical unfollow: Cutting out average to achieve extraordinary
[16:30] – Why the automated financial system beats chasing income 🤖
[19:20] – Breaking down automation: From chaos to clarity in 20 min/month
[22:00] – Goal clarity: The 3-mile run vs endless marathon analogy
[24:30] – Speed through strategic relationships & private opportunities 🤝
[26:15] – Private deals: Why the wealthy earn 20% while others get 10%
[30:15] – The truth about focusing on credit scores (you're asking wrong questions)
[32:00] – Final wisdom: Life is a game—learn the rules or lose 🎲

Key Takeaways 💡

• Your Environment Is Everything: The people, content, and conversations you consume daily determine your financial ceiling
• Systems Over Hustle: Automated financial systems create wealth while manual effort creates exhaustion
• Speed Requires Access: Skills, connections, and private deals compress decades into years
• Requirements Before Strategy: Fix your ego, mindset, and environment before touching a spreadsheet

Quotables 🗣️

"If you're constantly joking about being broke, you're not around the right people."

"Most people are broke not because they don't make enough, they're broke because they don't know better." 💭

"I spent 7 years listening to sports radio. It did zilch for my wealth. Choose your consumption wisely." 📻

"The public never gets the good deals. Private access is where real wealth accelerates." 🔒

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 opened your eyes to what's possible, share it with someone who's ready to stop being "always broke" and start building real wealth. The blueprint is here—the only question is whether you'll follow it. 🎯