Money On My Mind

From $300k+ in debt to Millionaire status by 30 years old, I have realized the power of a budget. At 23, I was in a dreadful position, but I knew that the only person that could change that was ME! I dug deep and put together a financial plan that changed my life forever. Now I am debt free and just quit my 9-5 to pursue Budgetdog full time! I made this podcast to empower others with the same knowledge and tools that I use in my own personal finances!

Ep 65: Building Budgetdog 06/24/2025

Ep 65: Building Budgetdog 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 strategies I use today to build a business with real impact. Whether you’re an aspiring entrepreneur or just ready to take control of your finances, this episode is packed with stories, lessons, and insights to fuel your path forward. Timeline Summary [0:00] - Introduction [0:43] - Kicking things off with a guest spot on the Two Comma Club podcast [2:19] - Why I believe financial education should be simple and how we built Budgetdog [4:20] - Growing up financially uneducated and learning through self-education [8:08] - The pivotal role environment played in shaping my money mindset [13:04] - The leap of faith: how I left Deloitte after being forced to choose [21:20] - Why resilience and handling resistance is the true key to success [26:17] - Behind the scenes: how we use content, email, and paid ads to grow [30:04] - Game-changing business book: why Traction is a must-read [36:12] - The importance of being real and not selling a fake lifestyle [40:02] - Financial rules of thumb, automation, and building your financial moat [46:22] - How our book, challenge, and academy help people change their lives 3 Key Takeaways Self-education is a superpower. You don’t need a formal background to master your money—you need curiosity, discipline, and the right resources. Automation is freedom. When your finances run on autopilot, you remove emotion and inconsistency—creating space for real growth. Resistance builds strength. Success isn’t about avoiding hardship—it’s about enduring and overcoming it with intention. Quoteables “The person who keeps the bar on their chest the longest builds the biggest chest.” “If someone knows, likes, and trusts you—and you solve their problem—they’ll work with you.” “You don’t have to be the most talented. You just have to outlast.” “Lock the system, and go live your life.” Links & Resources The Roadmap to Financial Freedom by Brendan Traction by Gino Wickman – Business systemization resource Brendan’s 3-Day Financial Challenge (more at Budgetdog.com) If you enjoyed this episode, make sure to follow, rate, and review Money on My Mind. Share it with someone who’s ready to build wealth and live with purpose! /episode/index/show/02e96f63-f151-44e2-9e49-fddfaf8ae7be/id/37115515

Ep 64: Why You Sabotage Your Own Financial Goals (And How to Stop) 06/17/2025

Ep 64: Why You Sabotage Your Own Financial Goals (And How to Stop) 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 beliefs, fear of success, and the psychological traps that keep us stuck. If you’ve ever wondered why it feels so hard to follow through with your financial plans, this episode is for you. Timeline Summary [0:00] - Introduction [0:41] - Why we set goals but never follow through—and why I still showed up to record today [2:15] - How self-sabotage and upper limit beliefs shape your financial ceiling [4:39] - The impact of childhood money scripts and subconscious programming [8:27] - Personal story: learning money lessons the hard way as a kid [13:05] - Fear of success and how our past can create hidden resistance [16:58] - The tribal psychology of money and fear of outgrowing your circle [21:07] - Stockholm Syndrome and why staying broke sometimes feels safer [25:01] - Signs you’re sabotaging your success—spending sprees, over-research, and distractions [29:31] - Tools to interrupt self-sabotage and shift your financial identity [39:13] - Journal prompts to help rewire your beliefs and unlock new success Quoteables “Until people see themselves as someone who handles money well, they’ll keep proving the opposite.” “Sometimes we’re not afraid to fail—we’re afraid to succeed and lose it all.” “Money is energy. Money is value. Money is not time spent.” “If I had money already, what would I be doing differently?” “You don’t need to be great to start, but you need to start to become great.” Links & Resources If this episode spoke to you, I’d be grateful if you rated and reviewed the show! Don’t forget to follow Money on My Mind and share it with someone else who might need to hear it. Your financial freedom starts with your mindset—let’s rewire it together. /episode/index/show/02e96f63-f151-44e2-9e49-fddfaf8ae7be/id/37027690

Ep 63: The $300K Mistake That Taught Me the Value of Health Over Wealth 06/10/2025

Ep 63: The $300K Mistake That Taught Me the Value of Health Over Wealth 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 at how fast life can shift. More importantly, I talk about the mindset and financial preparation that allowed us to move quickly and decisively—and how this experience completely redefined my understanding of wealth. Timeline Summary [0:00] - Why our dream home nearly destroyed our health and finances [1:10] - Our daughter’s diagnosis with Dravet syndrome [1:54] - Relocating to Texas for expert care and a miraculous 8-month stretch [2:50] - Seizures return, triggering deeper investigation [4:07] - Blood and urine tests reveal shocking mold exposure [5:56] - Emergency travel to Iowa for treatment amid chaos [7:19] - Realizing we had to abandon our home and everything in it [8:52] - Financial pressure mounts as we scramble to protect our daughter [10:00] - How years of financial planning helped us weather the storm [14:04] - Losing 99% of our belongings due to contamination [15:12] - The breakdown of the $300K cost: housing, health, and recovery [16:46] - What money can’t fix—and what really matters [18:46] - How this crisis reshaped my perspective on wealth [20:25] - Preventative measures we’ve taken to safeguard our new home [21:37] - What are you putting off that’s costing you peace of mind? Key Takeaways Prepare financially for the unexpected. You never know when a crisis will hit. Building financial flexibility gave us the ability to make life-saving decisions without hesitation. Health is the real wealth. No amount of money is worth more than your family’s well-being. Prioritize health investments now before you’re forced to later. Don’t wait for crisis to force change. If something is causing you low-grade stress or health concerns today, deal with it now—because the cost of waiting can be far greater. Links & Resources Infinity Wellness Clinic (Josh, Iowa location) Dravet Syndrome Foundation: Home air quality resources: AirDoctor, dehumidifiers, air scrubbers If this episode made you think twice about how you define wealth, I’d love for you to rate, follow, and review the show. And if you know someone who could benefit from this story, share it with them. See you next week! /episode/index/show/02e96f63-f151-44e2-9e49-fddfaf8ae7be/id/36925720

Ep 62: Why I Started This Podcast 06/03/2025

Ep 62: Why I Started This Podcast 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 overcoming adversity to build the life you deserve. Episode Highlights & Timeline Summary [0:00] - Why I launched this podcast and the deeper mission behind Budget Dog [2:20] - From being financially clueless to a debt-free millionaire: my personal backstory [3:06] - The story behind my national bestselling book and the cause it’s dedicated to [6:48] - The moment I realized I wasn’t maximizing my financial potential in college [8:06] - Why time is the most powerful wealth-building tool [10:21] - My early misconceptions about investing and the transformative power of mentorship [13:14] - How Budget Dog started with a raw idea and a photo of my dog [17:03] - My wife’s key role in helping me see my potential [20:48] - Going from anonymous IG posts to building a million+ follower brand [24:06] - The unexpected and life-changing results students have achieved through my guidance [26:22] - The unethical financial advice I fight against—and why it fuels my mission [30:08] - Why this podcast won’t focus on technical tips but the habits and mindsets behind success [33:21] - Personal challenges, including my daughter’s diagnosis, and the strength it’s built in us [35:48] - A call to build wealth beyond money—and to do it together, as a community Notable Quotes from the Episode “It’s not about the spreadsheets. It’s about the values and character that build real wealth.” “I didn’t choose social media—social media chose me.” “You have to get strong yourself before you can truly serve others.” “Everything worthwhile takes intentional hard work, whether you like it or not.” “This podcast isn’t about woe is me—it’s about extreme ownership and overcoming.” Links & Resources If you found value in this episode, be sure to subscribe, leave a review, and share it with someone who’s ready to take charge of their financial future. Let’s get wealthy together—beyond just the bank account. /episode/index/show/02e96f63-f151-44e2-9e49-fddfaf8ae7be/id/36820260

Ep 61: How I used Fear to become a CPA and Leave my 9 5 05/27/2025

Ep 61: How I used Fear to become a CPA and Leave my 9 5 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 exams against the odds, walk away from my 9-to-5, support my family through unimaginable challenges, and ultimately find our dream home after losing almost everything. This is the rawest, most powerful episode I’ve ever recorded—and I hope it lights a fire in you to lean into your own fears. Timeline Summary [0:00] Why I ditched the polished look for this episode and decided to go raw and real [2:09] The pivotal moment that shifted my mindset after college [4:11] My intense CPA study grind and early failures that nearly broke me [6:13] The public humiliation that sparked a turning point [11:04] The moment I finally passed the CPA exams—and what it taught me about fear [13:30] How I transitioned from Deloitte to full-time entrepreneurship with Budget Dog [16:12] The conversation that led me to leave my 9-5 earlier than planned [18:05] Welcoming my daughter Logan and the life-changing diagnosis we faced [23:08] Retiring my wife and relocating to Texas for Logan’s care [28:22] Discovering mold and mycotoxins—and losing nearly everything [33:55] Facing homelessness, uncertainty, and massive financial losses [37:13] The moment we found our safe home and a new beginning [40:59] Why fear has become my greatest motivator Quotables “Fear isn’t something to run from—it’s a signpost pointing to your next breakthrough.” “Public failure hurt, but it also lit a fire that nothing else could.” “Just because I’m financially free doesn’t mean I’m not human—I still feel fear, but I’ve learned to use it.” “What most people see as setbacks, I see as setups for something greater.” “When life gave us fear, we didn’t back down—we leveled up.” Links & Resources National Association of State Boards of Accountancy (NASBA) Functional Neurologist & Health Journey Insights (referenced in Logan’s story) If this episode moved you, I’d love for you to leave a review, follow the podcast, and share it with someone who needs to hear this. Thanks for tuning in—and remember, fear might just be the sign that you’re on the brink of greatness. /episode/index/show/02e96f63-f151-44e2-9e49-fddfaf8ae7be/id/36713550

Ep 60: How My Student is Now Making $500k per Year 05/20/2025

Ep 60: How My Student is Now Making $500k per Year 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 embracing a mindset of abundance. I also open up about my own recent family and business struggles to remind you that growth often comes disguised as adversity. If you’ve been stuck in fear or waiting for the right time to make a move—this episode is your wake-up call. Timeline Summary [0:00] - Introduction [1:11] - Why most people struggle with a scarcity mindset—even while making six figures [2:54] - Miranda’s “sweaty palms” moment: confronting financial fear head-on [5:01] - The marathon effect: building momentum through small wins [10:07] - Taking the shot: lessons from a $26K failed investment (and why it still paid off) [14:24] - How Miranda cut her expenses in half by walking away from a toxic relationship [16:03] - Paying off $10K in 30 days and stepping into clarity and confidence [27:22] - Accepting a $500K job offer and stepping into a life of purpose [34:08] - Why serving others from a place of abundance brings unexpected rewards [36:45] - The 3 keys to transformation: invest in yourself, release the weight, and think abundantly Quotables from the Episode “The difference between staying stuck and stepping into a new life is simply the decision to start.” “You don’t need permission to change your life—you need the courage to take the first shot.” “You become free the moment you realize you owe no one—financially or emotionally.” “Operating from a place of abundance isn’t about what’s in your bank account. It’s about what’s in your mindset.” “The less I needed something, the more it came to me.” Links & Resources https://bookwithbudgetdog.com/ped BudgetDog Academy: Join our weekly free events and live Q&As on Instagram: @budgetdog_ Final Thoughts Miranda’s story isn’t just inspiring—it’s proof that transformation is possible when you choose courage over comfort. If this episode spoke to you, don’t just sit on the motivation—take action. Start where you are, trust the process, and surround yourself with the right support. If you found value in today’s conversation, I’d love for you to rate, follow, review, and share the podcast with someone who needs it. Until next time—stay focused, stay bold, and keep building your financial future. /episode/index/show/02e96f63-f151-44e2-9e49-fddfaf8ae7be/id/36626730

Ep 59: Against All odds & Defying the Impossible 05/13/2025

Ep 59: Against All odds & Defying the Impossible 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 just the pain and chaos we faced, but also the mindset that helped us keep going when it would’ve been easier to give up. No fluff, no sugarcoating—just the truth, the tears, and the triumph. Key Talking Points of the Episode 00:00 Why this isn’t a victim story—it’s a resilience story 01:25 Quitting my 9-5, paying off our house, and welcoming our first daughter 04:11 The moment everything changed: Logan’s first seizure 07:43 A devastating diagnosis—and how we responded 10:26 Building a business while holding my daughter through nap time 12:13 The decision to move across the country for better care 15:13 My wife quits her job—without a backup plan 20:08 Losing our home to toxic mold (and everything in it) 27:15 How we found a new home after two near misses 30:58 The mindset that kept us from breaking 35:20 Why the toughest moments have made us stronger Quotables “Just because you get hit one time—or eight times—doesn’t mean you don’t get back up.” “It’s bad to bet against us… because of the mindset we’ve adopted.” “Money can bridge gaps, but it can’t fix everything. You still have to face the real stuff as a human.” Links & Resources Budgetdog If this episode moved you, inspired you, or gave you a fresh perspective, share it with a friend who needs to hear it. And if you haven’t yet, take a moment to rate, follow, and leave a review for the podcast—it helps more people find these powerful stories. Thanks for being here, and I’ll catch you next week. /episode/index/show/02e96f63-f151-44e2-9e49-fddfaf8ae7be/id/36534640

Ep 58: The Secret to Winning 05/06/2025

Ep 58: The Secret to Winning 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 responsibility shapes not just your bank account but your entire future. Whether you’ve been burned by someone else’s mistakes or struggled to own up to your own, I lay out exactly why accountability is the secret ingredient to lasting success—and how you can start applying it today. Timeline Summary: [0:00] - Introduction [1:01] - Walking past my old house and discovering unexpected damage. [2:06] - Tracking down the neighbor responsible—and the initial honest mistake. [3:19] - When accountability gets shaky: dodging responsibility and broken promises. [4:15] - My own story of being held accountable at 16—and why it stuck with me. [7:21] - Conversations with the parents: denial, deflection, and hard truths. [10:24] - The lesson: why taking ownership is non-negotiable for true success. [15:10] - The victim vs. leader mindset—are you giving away your power? [18:22] - A call to action: why accountability is the foundation for winning in life. Quotables: “If you want to win in life, you have to take responsibility and ownership of your mistakes.” “You can’t give your power away by blaming others—step up and take control.” “Being accountable isn’t about being perfect; it’s about being honest and taking action.” “Leadership starts when you stop pointing fingers and start owning your results.” “Excuses don’t pay the bills—accountability does.” Links & Resources: • Budgetdog Thanks for tuning in! If today’s episode gave you something to think about, please take a moment to rate, follow, and review the podcast. Sharing it with someone who needs a dose of accountability helps more than you know. See you next week! /episode/index/show/02e96f63-f151-44e2-9e49-fddfaf8ae7be/id/36440440

Ep 57: The Attitude You Need to Adopt Today to Win Financially 04/29/2025

Ep 57: The Attitude You Need to Adopt Today to Win Financially 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 everything around by adopting an aggressive, go-getter mentality. Trust me, once you hear these stories, you’ll understand exactly why being proactive is the key to winning in finances, career, and family life. Key Talking Points of the Episode [00:00] Shoutout to Nick Foles, Pat O’Donnell, and inspiration from the “Dad Szn” [00:47] Why being too passive is costing you financially—and in life [01:40] How your approach determines if you get help or stay stuck [02:19] Story 1: How I turned a B+ into an A by demanding success [04:27] The key difference between asking and framing your goals [05:52] How mentors naturally want to help when you show initiative [07:15] Writing a national bestselling book by boldly telling Wiley my intention [08:15] Story 2: How passivity nearly cost me my career at Deloitte [09:22] Getting a wake-up call from my recruiter—and what it taught me [12:16] Why being “good enough” isn’t good enough if you want to win [14:18] How being aggressive versus passive affects every area of your life [16:12] Why you must demand success for yourself—and for your family [16:59] Final call to action: change your attitude, change your life Quotables “The aggressor always wins—the passive get stepped on.” “Demand success like it’s non-negotiable, and people will show up to help you win.” “Passivity isn’t just a mindset; it’s a guarantee that you will lose.” Links & Resources Budgetdog /episode/index/show/02e96f63-f151-44e2-9e49-fddfaf8ae7be/id/36339440

Ep 56: How to Master Money With Your Spouse 04/22/2025

Ep 56: How to Master Money With Your Spouse 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 current family life, including a medical emergency we navigated while I was recording this episode. Whether you’re in debt, trying to get on the same page with your partner, or just want to be better together, this episode is a must-listen. Key Talking Points of the Episode 00:00 Introduction 01:42 Real-life chaos: daughter’s seizure, ER visit, and keeping calm 05:38 Why communication in crisis mirrors communication in finances 07:23 Marriage & money: 17 years of learning, adapting, and growing 08:55 Most “money issues” are actually emotional or relational gaps 10:10 Why BudgetDog Academy starts with a behavioral psychologist 11:37 Subconscious habits, childhood trauma, and financial conflict 12:35 The Target argument isn’t about spending—it’s about unmet needs 16:19 Your money arguments = your marriage problems in disguise 18:00 The root cause model: business, health, and relationships 19:37 Practical Tip 1: Ask your spouse what they want—goals, not budgets 20:45 Practical Tip 2: Use third-party voices to avoid sounding like a nag 22:25 The ultimate shift: two brains working toward one goal Quotables “Your money problem isn’t a money problem, it’s a relationship problem.” “When we became a team in our finances, everything changed, our results exploded.” “Fix the root cause. Solve the emotional gap. The finances will follow every time.” Links Budgetdog /episode/index/show/02e96f63-f151-44e2-9e49-fddfaf8ae7be/id/36249350

Ep 55: Why Day Trading Will Keep You Broke 04/15/2025

Ep 54: Eight Principles For Success 04/08/2025

Ep 54: Eight Principles For Success 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. Whether you’re trying to fix your finances or rebuild your life after a crisis, these eight principles will give you a real-world, repeatable playbook for success. This one’s for anyone who feels stuck, overwhelmed, or unsure where to begin. Key Talking Points of the Episode 00:00 Introduction 01:05 Living with Dravet Syndrome and the cost of true freedom 03:15 Financial freedom ≠ problem-free life 05:20 The Eight Principles of Success 07:51 Principle 1: Work hard—but work smart with systems 10:29 Principle 2: Set realistic timeframes for results (especially in health + money) 12:23 Principle 3: Consistency wins 13:23 Principle 4: Remove friction and make success easier with automation 14:40 Principle 5: Be proactive. Ask, research, and lead your own journey 16:37 Principle 6: Don’t wait for the “right time”, there isn’t one 17:38 Principle 7: Invest in yourself and seek education constantly 19:30 Principle 8: Apply it all and then give back 20:31 Why mastering every area of life matters Quotables “Just because you have money doesn’t mean your problems go away.” “Don’t wait for life to happen—go make life happen. Be the general contractor of your own success.” “Consistency and systems win every time, in money, health, relationships—everything.” Links Budgetdog /episode/index/show/02e96f63-f151-44e2-9e49-fddfaf8ae7be/id/36037210

Ep 53: My Biggest Money Mistake 04/01/2025

Ep 52: Should I change my health insurance to get access to the HSA? 03/25/2025

Ep 51: Can You Share Your Favorite ETFs? 03/18/2025

Ep 50: How Should I Prioritize Paying Off Debt vs. Saving & Investing? 03/11/2025

Ep 49: How to Make Money Today 03/04/2025

Ep 49: How to Make Money Today 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 solutions, and get paid for them. If you’re tired of struggling financially and ready to take action, this episode will shift your perspective and set you on the right path. Key Talking Points of the Episode 00:00 Introduction 01:11 Overcomplicating how money works 02:20 Trading time vs. providing value 04:13 What determines your value? 05:49 The key to increasing your income 09:15 Investing your money to make more money 11:47 The importance of reframing your mind 13:04 Identifying problems 14:40 Become obsessed with the solution to your problem 16:35 Developing a system to solve these problems 17:58 Why should you offer your services for free? 20:47 Committing to deliver your promise 22:33 How retesting can help you refine your services 23:34 Why you should focus on investing in yourself 25:16 The kind of people you should be surrounding yourself with 27:14 The framework to make more money 29:42 How the abundance mindset can help you attract money Quotables “Your income is a reflection of your skills. The better your skills, the more you earn.” “The wealthy aren’t necessarily smarter than you—they just have better access and connections.” “If you’re afraid to invest in yourself, you’ll stay stuck. Wealth starts with taking risks on YOU.” Links Budgetdog https://bookwithbudgetdog.com/ped /episode/index/show/02e96f63-f151-44e2-9e49-fddfaf8ae7be/id/35513255

Ep 48: Should I use a HYSA or Invest? 02/25/2025

Ep 47: Where to Invest 02/18/2025

Ep 47: Where to Invest Looking to maximize your investments and build long-term wealth? In this episode of Money on My Mind, I break down an easy-to-follow investment framework that anyone can apply to their financial situation. A listener, Sherry, asks: “In addition to a Roth IRA, what else should I be maxing out annually?” With a $160,000 income as our example, I walk through the exact steps to prioritize investment accounts, from employer-sponsored plans to HSAs and taxable brokerage accounts. Whether you’re just starting your investment journey or looking to optimize your existing strategy, this episode lays out the six-step investment framework to help you take control of your financial future. Plus, I share some key rules of thumb to ensure your money is working for you efficiently and automatically. Ready to build wealth? Let’s dive in. Episode Highlights: [0:00] – Introduction [1:06] – Understanding investment frameworks and why there’s no one-size-fits-all approach [2:26] – The three core accounts for most investors (401(k), IRA, and taxable brokerage) [4:09] – How risk profile, age, and goals shape your investment approach [5:04] – The first step: maximizing your employer match for guaranteed returns [6:10] – Evaluating an Employee Stock Purchase Plan (ESPP) with a guaranteed discount [6:47] – Choosing between a Roth and traditional IRA and when to prioritize each [7:14] – Breaking down Sherry’s $160,000 income example – where every dollar should go [9:35] – Calculating your ideal savings percentage and how to automate it [10:58] – The power of an HSA and when it makes sense to prioritize it [11:17] – Why taxable brokerage accounts can be a game-changer for flexibility [12:39] – Step-by-step guide to calculating biweekly and monthly contributions [13:51] – Key investment principles: index funds, reinvesting dividends, and long-term thinking [15:17] – How Budget Dog Academy can help you personalize your investment plan Links & Resources: • https://bookwithbudgetdog.com/ped If you found this episode valuable, share it with a friend who’s ready to level up their investments. Don’t forget to subscribe, leave a review, and keep taking bold steps toward your financial freedom. /episode/index/show/02e96f63-f151-44e2-9e49-fddfaf8ae7be/id/35315310

Ep 48: Is the Market Going To Crash? 02/11/2025

Ep 48: Is the Market Going To Crash? In 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 /episode/index/show/02e96f63-f151-44e2-9e49-fddfaf8ae7be/id/35223425

Ep 47: Six Steps to Start Your Business Today 02/04/2025

Ep 46: Five Reasons Human Nature is Holding You Back From Building Wealth 01/28/2025

Ep 45: How to Get A Raise! 01/21/2025

Ep 44: My Credit Score Dropped 115 Points 01/14/2025

Ep 43: I Quit My Goals! 01/07/2025

Ep 42: The Costs of Mold & How We Are Handling Financially 12/31/2024

Ep 41: Where Do I Start Financially? 12/24/2024

Ep 41: Where Do I Start Financially? This week, I’m diving into a question that so many of us have asked: “Where do I start financially?” Whether you’re overwhelmed by information, held back by fear, or unsure where to begin, I’ve got you covered. In this episode, I lay out the essential first steps to take control of your finances, from setting up foundational documents to understanding how to track, grow, and protect your money. Plus, I share practical advice on building financial literacy, staying patient, and managing emotions around money—key components to long-term success. Grab a notebook because this one is packed with actionable steps to jumpstart your journey to financial freedom! Timeline of Key Moments: [0:00] - Introduction [0:14] - The big question: Where do I start financially? [2:22] - Why breathing and managing emotions are the first steps to financial clarity. [7:10] - The three critical documents you need to track your financial progress. [10:15] - Free vs. paid financial education: Understanding the value of investing in yourself. [13:45] - Why patience is essential in your financial journey and how it reduces stress. [17:07] - Breaking down the “Track, Grow, Protect” framework for managing money. [20:00] - Building a financial system: How to link your goals, budget, and investments. [24:10] - The importance of estate planning, tax strategies, and protecting your financial future. Links & Resources: • Free financial tools and templates: https://docs.google.com/spreadsheets/d/1rX4-EsIvUmx6cLVp7NG_JR-hD1e72-Ad/edit?usp=sharing&ouid=114928106753728252238&rtpof=true&sd=true • Join the Budgetdog Academy: • Donate to Dravet Syndrome research: https://dravetfoundation.org/donate/ Closing Remark: Thanks for tuning in! If you’re ready to take bold steps toward your financial goals, don’t just listen—take action today. If you found this episode helpful, share it with someone who needs a financial boost and subscribe so you never miss a tip. See you next week, and let’s keep mastering our money together! /episode/index/show/02e96f63-f151-44e2-9e49-fddfaf8ae7be/id/34471595

Ep 40: You Only Lose If You Give Up 12/18/2024

Ep 40: You Only Lose If You Give Up In this raw and deeply personal episode, I take you into the chaos of our current life—a home filled with mold and mycotoxins, a battle for my daughter Logan’s health, and the unyielding determination it takes to keep moving forward. From navigating her rare condition, Dravet Syndrome, to uncovering the hidden dangers in our environment, we’ve faced challenges that test us daily. Through these trials, we’ve learned that giving up is the only way to truly lose. Join me as I share the incredible miracles we’ve experienced, like finding groundbreaking care at Infinity Functional Neurology, and how unexpected connections and perseverance are shaping our journey. Whether you’re facing health, financial, or personal obstacles, this episode is a reminder that your strength and faith can lead you through anything. Timeline Summary: [0:00] - Introduction [0:27] - Setting the stage: A messy, mold-infested home and a battle to stay hopeful. [1:08] - Logan’s health journey: From 22 seizures in 2022 to a brief, hopeful respite in 2023. [2:28] - Discovering the problem: Mycotoxins in our new home and their devastating impact. [4:02] - Finding hope: A life-changing trip to Infinity Functional Neurology in Iowa. [7:00] - Miracles unfold: A nutritionist’s dream, Logan’s incredible progress, and newfound optimism. [10:57] - Celebrating milestones: Logan’s newfound energy, confidence, and joy at the park. [17:10] - The cost of perseverance: Financial sacrifices, emotional resilience, and unwavering focus. [20:47] - A powerful reminder: Why giving up is the only way to lose. Links & Resources: https://www.iowainfinity.com/ Closing: If this episode resonated with you, please share it with someone who might need encouragement. Don’t forget to subscribe, leave a review, and stay connected for more inspiring stories and practical insights. Until next time, remember: You only lose if you give up. /episode/index/show/02e96f63-f151-44e2-9e49-fddfaf8ae7be/id/34497135

Ep 39: From Flipping Fries at McDonalds to Financial Freedom 12/10/2024

Ep 38: How Are People Affording a Financial Coach While in Financial Crisis 12/03/2024

Money On My Mind

TOPICS