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!
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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!
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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
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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
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Ep 55: Why Day Trading Will Keep You Broke
04/15/2025
Ep 55: Why Day Trading Will Keep You Broke
Let’s talk about the uncomfortable truth no one on social media wants to admit: day trading is a losing game and it’s keeping you broke. In this episode, I’m breaking down the real data behind day trading, the psychology that traps people in get-rich-quick loops, and why building wealth the fundamental way is always the better bet. I’m not here to sell you screenshots of fake trading profits or flashy wins, I’m here to walk you through real strategies that have built millions for real families. If you’ve ever been tempted to trade based on hype, social media charts, or some guru’s “signals,” hit pause. I’m giving you the actual numbers, the tax impact, and the mindset shift you need to walk away from trading and finally build something that lasts. Key Talking Points of the Episode 00:00 Introduction 01:20 The 1% lie: Why only Wall Street’s algorithms win 02:39 TikTok traders, screenshots, and why you’re being sold a fantasy 04:06 What the S&P 500 actually returns over time 05:15 More trading = worse performance 06:48 Active traders underperform by 6.5% annually 08:09 Short-term taxes vs. long-term capital gains (and how traders lose) 11:10 90/90/90 Rule: 90% of traders lose 90% of their money in 90 days 13:03 Mutual fund managers can’t beat the market—what makes you think you can? 14:35 The psychology of loss 17:20 Stop chasing speed and start chasing freedom 18:58 Build real wealth with a real plan Quotables “You don’t need to beat the market to build wealth. You just need to participate in it—consistently.” “Traders lose to taxes. They lose to emotion. They lose to time. And most don’t even realize it.” “Real wealth is boring. Real wealth is automated. Real wealth works while you sleep.” Links Budgetdog
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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
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Ep 53: My Biggest Money Mistake
04/01/2025
Ep 53: My Biggest Money Mistake
In 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
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Ep 52: Should I change my health insurance to get access to the HSA?
03/25/2025
Ep 52: Should I change my health insurance to get access to the HSA?
This 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
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Ep 51: Can You Share Your Favorite ETFs?
03/18/2025
Ep 51: Can You Share Your Favorite ETFs?
A lot of you have been asking: What are your favorite ETFs? And while I could just list them, that wouldn’t be doing you any favors. In this episode, I’m breaking down exactly how to think about ETFs so you can make smarter investment choices for your unique financial situation. We’re going beyond just picking funds—I’m giving you a framework that helps you understand why certain ETFs make sense and why others don’t (even if they work for someone else). I’ll walk you through the key factors, from brokers and tax advantages to risk profiles and automation. By the end of this episode, you won’t just know my favorite ETFs—you’ll know how to pick the right ones for you. Key Talking Points of the Episode 00:00 Introduction 01:25 Why I don’t just give a one-size-fits-all ETF answer 03:09 Financial education: The #1 key to smart investing 05:51 Understanding brokers: Vanguard, Fidelity, Schwab, and M1 Finance 08:41 How much risk should you actually take? 10:13 How to filter and select ETFs the right way 14:51 The importance of preparation in investing 16:42 My favorite ETFs and how I use them in different accounts Quotables “Financial advisors don’t always have your best interests at heart. Many are just pushing paper to lock you into high-fee investments.” “A good ETF choice isn’t just about performance—it’s about how it fits into your portfolio, your tax situation, and your goals.” “Once you have a system in place and automate it, investing becomes effortless. That’s the key to long-term success.” Links Brokerage Comparison Guides: Vanguard ETFs: Fidelity Investments: Charles Schwab: M1 Finance: Budgetdog https://budgetdogacademy.com/automated-investing-ioa-ot
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Ep 50: How Should I Prioritize Paying Off Debt vs. Saving & Investing?
03/11/2025
Ep 50: How Should I Prioritize Paying Off Debt vs. Saving & Investing?
One of the biggest financial questions I get is: Should I pay off debt first, or start investing? In this episode, I break it all down with a clear, step-by-step framework to help you figure out exactly what makes the most sense for your situation. We’ll cover how to analyze your cash flow, interest rates, and long-term goals, plus why anything over 6% interest needs to go ASAP before you even think about investing. I’ll also walk you through using amortization schedules and compound interest calculators to compare different scenarios—because numbers don’t lie. At the end of the day, money is a tool—it’s about using it in the smartest way possible. If you’re stuck trying to decide where to put your dollars, this episode will give you a no-BS strategy to move forward with confidence. Key Talking Points of the Episode 00:00 Introduction 01:05 Step 1: Gather key financial documents 04:54 Step 2: Adjust your cash position 09:35 Step 3: Define your life goals 11:21 Step 4: Solve the math equation 18:30 Step 5: Review your financial plan 20:59 Step 6: Automate the process 23:43 Framework recap for debt pay-off Quotables “If you’re not changing it, you’re choosing it. Every financial decision you make—or avoid—affects your future.” “Investing early is great, but not if you’re drowning in debt. Know your numbers before making a move.” “The more intentional you are with your money, the faster you’ll hit your financial goals.” Links Budgetdog
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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
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Ep 48: Should I use a HYSA or Invest?
02/25/2025
Ep 48: Should I use a HYSA or Invest?
In this episode of Money on My Mind, I answer Bowen Bergenfield’s question: “Should you invest or use a high-yield savings account (HYSA) for a big purchase?” I break down the decision using S&P 500 historical data, explain the 5-year rule for saving vs. investing, and share my experiences to help you make the best financial choice. This episode is all about using index funds for short-term goals, and why it's usually better to stick with high-yield savings accounts (HYSAs) if you're planning for anything less than 5 years out. We're diving into the data to help you make the most of your savings and minimize risk when you're saving up for something big. Key Talking Points of the Episode 00:00 Introduction 01:17 The 5-year rule: Why 5 years is the tipping point for saving vs. investing 02:18 S&P 500 historical risk and return from 1926 to 2024 04:18 The risk of having 1 in 4 chances of losing money in a one-year period 05:59 Why it makes sense to invest long-term 07:16 What you can use your HYSA for 08:02 When to consider alternatives like CDs for short-term goals Quotables “For any goal under five years, I always use a high-yield savings account—no question.” “If you need the money in the next few years, don’t gamble it. Protect it in a safe account.” “Focus on your goal, stay disciplined, and don’t try to outsmart the market for short-term savings.” Links https://bookwithbudgetdog.com/ped Budgetdog
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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.
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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
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Ep 47: Six Steps to Start Your Business Today
02/04/2025
Ep 47: Six Steps to Start Your Business Today
In this episode of Money on My Mind, I answer a question from one of my Budgetdog Academy OGs, Joe Sullivan, about the step-by-step process of starting a business. Whether you’re dusting off an old business idea or just getting serious about entrepreneurship, this no-fluff episode breaks down six essential steps—from finding your niche to scaling—without the distractions of logos, websites, or admin tasks. I’m sharing hard-learned lessons on why most people aren’t cut out for entrepreneurship, common mistakes new business owners make, and what truly matters when starting out. Ready to stop talking and start doing? This episode’s for you. Key Talking Points of the Episode 00:00 Introduction 01:29 The harsh truth: 95% of people aren’t built to start a business—and why that’s okay. 03:28 Why your niche, product, and real results matter more than branding 07:28 Proving your concept and providing services that will make money 09:30 Making your business repeatable without trading time for money 12:13 Simple scales, fancy fails: Why overcomplicating your business is a recipe for disaster 14:02 Focusing on sales and marketing 17:41 Hiring talent from networking instead of job boards 22:12 Learning to delegate to scale your business the right way 23:14 Systemizing your business through SOPs and other tools 31:36 The importance of communication within your team Quotables “Ideas are pointless. Everyone has them. What matters is who takes action and gets paid for them.” “Simple scales. Fancy fails. The more complex you make it, the worse your product probably is.” “If you can’t sell it more than once, it’s not a business. It’s just a hustle.” Links Budgetdog Asana Quickbooks
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Ep 46: Five Reasons Human Nature is Holding You Back From Building Wealth
01/28/2025
Ep 46: Five Reasons Human Nature is Holding You Back From Building Wealth
In this episode, I break down the five key aspects of human nature that often hold us back from achieving financial success. I dive into the psychology of money, emotional decision-making, and the societal pressures that shape how we manage our finances. Along the way, I share actionable solutions to help you overcome these natural tendencies and provide insights into creating lasting wealth through discipline, patience, and self-awareness. Join me for relatable stories, practical advice, and a clear roadmap to help you navigate and conquer common financial pitfalls. Key Talking Points of the Episode 00:00 Introduction 02:16 The role of psychology in your success 03:34 Reason 1: The natural instinct to avoid pain 07:21 How to overcome the instinct to avoid pain 08:36 Reason 2: Survival instincts and short-term thinking 11:52 Understanding the difference between your needs and wants 13:30 Reason 3: Emotional decision-making 14:20 Logic vs emotions in wealth-building 17:58 Reason 4: Groupthink and trends 20:31 How to overcome groupthinking 24:28 Reason 5: The desire for good social standing 28:53 Starting the work with your mindset Quotables “Building wealth often requires embracing pain—it’s part of the process of growth.” “If you always chase short-term gratification, you’ll never achieve long-term financial success.” “The more self-aware you are about your psychology, the better your financial decisions will be.” Links Budgetdog
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Ep 45: How to Get A Raise!
01/21/2025
Ep 45: How to Get A Raise!
In this actionable episode of Money on My Mind, I share my step-by-step playbook for securing a raise, drawing from my personal experience of achieving a 17% raise during my time at Deloitte. I tackle common misconceptions about earning more, emphasizing that providing value is far more important than relying on tenure. I break down the critical strategies of gathering market data, tracking your performance metrics, and delivering a confident, compelling pitch. Whether you’re looking to level up in your career or gain insight into employee dynamics, this episode is packed with powerful tools to help you achieve professional growth. Key Talking Points of the Episode 00:00 Introduction 01:01 Shifting your mindset to understand the difference between time and value 02:48 How you should approach the idea of asking for a raise 04:24 Gathering market data and benchmarking salaries 06:22 Understanding your role’s market demand and timing your request 08:12 Exchanging value for money 12:36 The power of tracking performance data to quantify your contributions 15:29 Preparing for the big discussion: How to structure your pitch 16:36 The value of taking the lead 19:26 Presenting yourself confidently to get your raise 20:25 The importance of having a fallback position to strengthen your negotiation 23:55 Framework recap: How to get a raise Quotables “Time does not equal more money.” “If you want a raise, you need to show up with facts, data, and confidence—it’s not just about asking.” “Leaders naturally rise to the occasion—if you want to earn more, start thinking and acting like one.” Links Budgetdog
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Ep 44: My Credit Score Dropped 115 Points
01/14/2025
Ep 44: My Credit Score Dropped 115 Points
In today’s episode of Money on My Mind, I’m sharing the shocking experience of watching my credit score drop 115 points after paying off my mortgage. Let’s talk about the mechanics of credit scores, breaking down the five key factors that impact them and explaining why the credit industry penalizes debt-free living. I’m also sharing personal stories, practical tips, and thought-provoking insights to help you navigate the “credit game” without feeling trapped by it. Whether you’re focused on achieving financial freedom or looking to improve your credit, this episode is packed with actionable advice to help you stay in control. Key Talking Points of the Episode 00:00 Introduction 01:26 How my credit dropped to 115 03:06 What happens to your credit when you pay off your debts? 04:19 The 5 components of a credit score 05:08 How closing credit cards can impact your credit score 07:11 Why playing “the credit game” is a losing strategy 09:26 The marketing tactics of credit card companies and how they target consumers 11:44 Being a “slave to the lender” forever 13:02 Why simplifying your financial life is the ultimate freedom Quotables “The credit gods didn’t like that we paid off our debt—they punished us for leaving their game.” “The borrower is always a slave to the lender, no matter the interest rate.” “Simplify your life, focus on what truly matters, and get rid of the noise that keeps you on the financial treadmill.” Links Budgetdog
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Ep 43: I Quit My Goals!
01/07/2025
Ep 43: I Quit My Goals!
In this reflective and thought-provoking episode of Money on My Mind, I share why I’m letting go of traditional goal-setting in favor of a powerful mindset shift. I open up about a pivotal realization inspired by my CPA exam journey, explaining how operating with a scarcity mindset can hinder progress, even when you’re hitting milestones. I discuss the importance of trusting yourself, setting broad intentions instead of rigid goals, and embracing abundance over scarcity. Whether you’re an ambitious goal-setter or looking for clarity in your financial journey, I hope this episode inspires you to rethink how you approach your objectives for a more fulfilling and impactful life. Key Talking Points of the Episode 00:00 Introduction 02:10 Living with intentionality 03:27 My journey taking the CPA tests: Lessons from failure and persistence 07:20 How overcoming the scarcity mindset affects your results 09:11 Shifting to a mindset of abundance and trusting innate skills 12:34 Why I decided to quit my goals this year 13:49 How changing your mindset can change the results you’re going to achieve Quotables “You can trust yourself to get there without stressing yourself out to get there.” “Goals framed by scarcity can push you onto a treadmill of endless moving goalposts.” “Shifting from scarcity to abundance is the key to operating at a higher level.” Links The Subtle Art of Not Giving a F*ck Atomic Habits Budgetdog
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Ep 42: The Costs of Mold & How We Are Handling Financially
12/31/2024
Ep 42: The Costs of Mold & How We Are Handling Financially
In this heartfelt and powerful episode of Money on My Mind, I’m sharing with you a life-changing ordeal involving mold toxicity that has left my family without a home and facing significant financial challenges. I share the emotional and financial impact of this event, detailing how we’re managing over $300,000 in unexpected expenses while caring for our immunocompromised daughter. This episode dives deep into the importance of financial preparedness, resilience in the face of adversity, and the mindset needed to overcome life’s toughest challenges. Packed with raw honesty and actionable insights, my goal is to provide a wake-up call to take control of your finances before disaster strikes. Key Talking Points of the Episode 00:00 Introduction 01:11 What do you value the most in life? 02:44 Managing financial and emotional stress 05:31 The two routes when facing adversity: Fight or flight 07:59 What the mold crisis really looked like for us 12:12 How much this situation cost us 13:48 The importance of financial preparedness and living below your means 20:11 The impact of having sustainable and automated systems 22:44 Developing a mindset that can weather every storm Quotables “You can only lose if you give up. Resilience is the key to overcoming any adversity.” “Life isn’t fair, but sitting in excuses won’t fix anything. You have to act.” “Financial freedom isn’t about luxury; it’s about having the muscle to handle life’s hardest moments.” Links Budgetdog
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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!
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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.
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Ep 39: From Flipping Fries at McDonalds to Financial Freedom
12/10/2024
Ep 39: From Flipping Fries at McDonalds to Financial Freedom
In this powerful and inspiring episode, you’ll hear the remarkable journey of Jackie, who went from a challenging upbringing to achieving financial freedom. Jackie shares what it was like growing up in a household where financial struggles were the norm, working at McDonald’s as a teenager, and how those early experiences could resonate with your own money mindset. She walks you through the pivotal moments that helped her break free from generational financial habits, the strategies she used to overcome debt, and the advice she has for anyone looking to transform their financial life. This episode invites you to reflect on resilience, self-awareness, and the transformative power of financial literacy. Key Talking Points of the Episode 00:00 Introduction 01:20 Lessons learned from an immigrant household with limited resources 03:04 The impact of growing up in scarcity and survival mode 04:18 What Jackie’s mindset was like about money 07:12 Breaking generational mindsets and realizing new possibilities through education 09:44 How the struggles in transitioning to adulthood impacted Jackie’s financial situation 14:51 What small financial wins can do to your mindset 17:33 How clarity can impact your ability to achieve financial freedom 18:17 Where to begin if you want to achieve financial freedom Quotables “Your reality doesn’t have to define your future; your mindset does.” “Money is like a garden—you plant the seed, nurture it, and it will grow into something fruitful over time.” “Seeing others think bigger unlocked my own potential to dream and achieve.” Links Budgetdog
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Ep 38: How Are People Affording a Financial Coach While in Financial Crisis
12/03/2024
Ep 38: How Are People Affording a Financial Coach While in Financial Crisis
Are you unable to afford a financial coach or are you just hesitant to spend money on coaching? Investing in coaching or mentorship can feel like a big leap, but it’s one of the smartest moves you can make to fast-track your journey to financial freedom. In this episode, we’re diving into the mindset you need to approach these investments, why they’re worth it, and how they can help you avoid costly mistakes. Let’s talk about shifting your perspective from ‘expense’ to ‘opportunity’ and taking the steps to level up your financial game! Key Talking Points of the Episode 00:00 Introduction 01:50 Questions to ask yourself before hiring a coach 03:37 What it costs to not have a financial coach 06:17 Is hiring a coach worth it? 08:46 What to consider before hiring a coach 10:20 Why trust is important when looking for a coach 11:12 Understanding the value of what you’re spending money on 13:35 How coaching can help change your financial situation Quotables “All you have to do and think about is understanding the core concept of money – how do I leverage the green paperback to get more value in my life?” “You have to understand that 80% of millionaires are first-generation millionaires, so most of the time, no one starts with money.” “Sometimes it’s not about having the money, it’s about seeing the value.” Links Budgetdog
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Ep 37: Stop Rushing Financial Freedom - Do This Instead
11/26/2024
Ep 37: Stop Rushing Financial Freedom - Do This Instead
In this episode, we’re diving into why rushing to achieve financial freedom can actually set you back. Building wealth takes time, patience, and the right strategies—not shortcuts that leave you stressed and broke. Let’s talk about how to focus on sustainable progress, make smarter financial decisions, and enjoy the journey toward true financial independence! Key Talking Points of the Episode 00:00 Introduction 01:48 What you should be focused on when building financial freedom 04:30 Why do you want to achieve financial freedom? 08:22 What you need to start feeling better about your finances 10:29 How not having a financial roadmap can stress you out 12:05 The biggest lesson in achieving financial freedom 14:05 How automation and simplification can get you to financial freedom sooner Quotables “It’s not just a number. It’s really understanding that that number gives us the lifestyle that we wanna live.” “It’s not actually always about hitting your financial freedom number, it’s about knowing the right path – you’re going the right direction.” “If you figure out the roadmap to financial freedom and you actually lay all the steps out, you’re gonna bring your stress down instantly.” Links Budgetdog
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Ep 36: The Top Three Traits of Highly Successful People
11/19/2024
Ep 36: The Top Three Traits of Highly Successful People
In this deeply personal and motivating episode, Brennan Slagbaum reflects on a life-changing experience with his daughter’s health and how it reinforced the key traits that drive success. He shares the top three traits of highly successful people—persistence, consistency, and hunger—explaining how these qualities shape not only financial freedom but also personal growth. Brennan opens up about his own challenges, including his family’s journey with Dravet syndrome, and how mindset, focus, and determination have been critical in achieving his goals. This episode offers actionable insights and inspiration for anyone looking to overcome obstacles and reach their potential. Key Talking Points of the Episode 00:00 Introduction 01:57 The seizure that challenged our family 09:28 How life’s challenges shape perspective and resilience 13:28 Trait #1 - Persistence 16:01 Trait #2 - Consistency 20:28 Trait #3 - Hunger to Win 22:06 How your confidence will affect your persistence 25:35 How your true self will help you align with your success 27:50 Why focusing on traits is more important than outcomes Quotables “Use your disadvantage to your advantage – that’s how you win.” “Your hunger to succeed often comes from deep within—aligning with who you truly are.” “Persistence is a promise you make to yourself that you will not break, no matter the challenges.” Links Budgetdog: https://budgetdogacademy.com/order-now
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Ep 35: How to Quit Your Job
11/12/2024
Ep 35: How to Quit Your Job
Do you want to be able to quit your 9-5 job so you can focus on building wealth and achieving financial freedom? The decision isn’t easy to make and the transition can be excruciating, but if you plan well and you take every step necessary to move forward, you can make it happen – maybe even sooner than you expected. This is exactly what happened to us and this is what we’re helping people do with their lives too at Budgetdog Academy. Listen now to learn how to quit your job without being impulsive and what steps are important to take when you’re about to make the transition! Key Talking Points of the Episode 00:00 Introduction 01:10 Changing your mindset 04:46 Managing your finances 07:37 Making the decision to leave 11:42 Focusing on growing the business 14:10 What it takes to be able to quit your 9-5 for good Quotables “If there is fear, it is your guiding light.” “Knowing your expenses down to the penny is the foundation of financial freedom.” “When you gain back your time, you can focus on one mission, and that will change your life.” Links Budgetdog Academy
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Ep 34: Investing For Your Kids
11/05/2024
Ep 34: Investing For Your Kids
In this episode of Money on My Mind, I’m diving deep into a topic that’s close to my heart: investing for our children. I share the strategies my wife and I use to set our daughters up for financial success, but this isn’t just about numbers. It’s about the principles and values we’re instilling in them to ensure they use wealth responsibly and make an impact. I tackle the common misconception that investing for your kids leads to them being “spoiled” and lay out the steps we take to ensure they grow up with a strong understanding of financial responsibility and giving back. We explore the essential accounts and investments we’re leveraging—from brokerage accounts to Roth IRAs—and why creating a system for generational wealth goes beyond just putting money in their hands. Whether it’s setting up a trust with intentional stipulations or teaching the importance of financial literacy, this episode is a call to rethink how we approach wealth for the next generation. Episode Highlights [0:00] - Introduction [0:41] - Why I believe in raising “trust fund babies” with responsibility [2:07] - Our mission to raise $1 million for Dravet syndrome in honor of my daughter [4:31] - Debunking the myth: Money doesn’t spoil kids; lack of values does [8:14] - Building generational wealth and why I’m the “first millionaire” in my family [10:05] - Mastering habits and the power of financial literacy for kids [17:32] - Trusts and stipulations: Setting financial expectations for our daughters [19:17] - How we invest for each of our daughters with a mix of accounts and goals [24:20] - Creating a positive financial mindset for our children and why it matters 5 Key Takeaways 1. Money Doesn’t Spoil; Values Do – Wealth alone doesn’t lead to entitlement; it’s the values we instill that matter. Teaching responsibility and gratitude is essential in raising well-rounded, financially empowered kids. 2. Generational Wealth Starts with Habits – Creating a financial system and healthy money habits for your kids can set them up for a successful future and help them manage wealth wisely. 3. Leverage a Mix of Accounts – From brokerage accounts to Roth IRAs and 529 plans, choosing the right accounts can maximize growth while ensuring funds align with your goals for your child. 4. Intentional Gifting Through Trusts – Using trusts with specific stipulations is an effective way to provide for your children without fostering dependency or entitlement, helping them value their inheritance. 5. Positive Financial Mindset is Key – Cultivating a positive attitude toward money and avoiding stress around finances can empower your kids to approach money confidently and generously. Links & Resources Join our beginner Millionaire Club today 👉🏼 Check out our more advanced Budgetdog Academy 👉🏼 Get my new book 👉🏼 Download my FREE budget template 👉🏼 https://budgetdogtemplate.com/download If you enjoyed this episode, please take a moment to rate, follow, and share the podcast with anyone who could benefit from these insights. Join us in building a financially empowered future for our kids!
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Ep 33: Three Deep Questions to Ask Yourself
10/29/2024
Ep 33: Three Deep Questions to Ask Yourself
Correcting impulsive spending early helps develop strong financial habits that support long-term stability and smart money management. It instills the discipline needed to resist unnecessary purchases, making it easier to save for meaningful goals and investments, allowing you to build wealth that generations after you will benefit from. Without these skills, impulsive spending can lead to debt and financial stress that become harder to manage later in life. Listen now to learn how to overcome impulsive spending and the three deep questions you have to ask yourself to do so! Key Talking Points of the Episode 00:00 Introduction 01:10 Question 1: What happens if you continue this cycle? 03:45 How can letting the cycle continue impact your future? 06:50 How can you work with the Budgetdog Academy team? 09:30 What impact did impulsive spending habits have on us in 2008? 12:52 Question 2: Why do you feel that way? 15:28 What are the most common reasons for impulsive spending? 17:33 Why is it important to understand the real cause of impulsive spending habits? 19:27 How will your spending habits impact generations after you? 21:17 Why do you need to take action to change your spending habits today? 23:23 How did changing my mindset set us up for financial success? 27:37 How did our financial habits help us prepare for difficult situations? 33:41 What is the benefit of changing your spending habits early in life? Quotables “The pain of staying the same isn’t as bad as the pain of change.” “If you don’t change your financial habits, you’re essentially signing up for a lifetime of being a slave to your job.” “Boring wins when it comes to building wealth—discipline and consistency over flashy purchases.” Links Budgetdog Academy The Roadmap to Financial Freedom
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Ep 32: The Three Levels of Financial Freedom
10/22/2024
Ep 32: The Three Levels of Financial Freedom
For most people, financial freedom is the end goal and financial stability is just a step along the way. This is how this roadmap works and if you’re not sure when you are financially stable, there are 3 levels that can help you identify where you are and how far you’ve got until you achieve your financial goals. Listen to this episode to learn more about getting on the right path to financial freedom, achieving financial stability, and what the 3 levels are to help guide you on your journey! Key Talking Points of the Episode 00:00 Introduction 01:21 What is the first level of achieving financial freedom like? 04:26 What are the key pieces of level 1 in achieving financial freedom? 06:28 When do you get to level 2 of achieving financial freedom? 09:04 How will level 2 of achieving financial freedom help you gain confidence? 11:35 How does getting to level 2 give you options in life? 14:02 What is level 3 of achieving financial freedom? 16:30 How does level 3 change your life completely? 18:22 What is the importance of getting through the hardest part of financial freedom? 20:05 What does it take to get on the right path to financial freedom? Quotables “Basically the only thing between you and financial freedom at this point is time.” “When you have the confidence to leave your 9-5 to do something you love, your energy follows it.” “When you’re at that point, your life changes entirely. You don’t need people, you don’t need to make an income, you don’t need all of these other things and therefore, more money typically comes to you.” Links Website: Budgetdog
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Ep 31: You Can Easily Choose To Become a Millionaire
10/15/2024
Ep 31: You Can Easily Choose To Become a Millionaire
Do you know why not everybody is a millionaire? It’s because they don’t know the right way to build wealth and they don’t think they can do it, which are essentially 2 of the biggest things that could also be holding you back from achieving financial freedom as well. Listen now to learn how simple it can be to become a millionaire and what you need to do to start building your wealth today! Key Talking Points of the Episode 00:00 Introduction 01:21 What is the importance of systems in building wealth? 04:02 What kind of system do you need to be financially free? 07:25 How does following a system give you confidence in building wealth? 09:17 How will your financial plan help you become debt-free? 11:09 What is the smartest way to retire from your 9-5 job? 15:39 How does getting outside your comfort zone bring you success? 18:06 Why is it important to get comfortable with being uncomfortable? 19:41 What system do you need to start building wealth? 21:01 How can automating your investments make wealth building easier? Quotables “If you don’t use systems, you’re going to lose, no matter how hard you work.” “Most people don’t do things because they don’t believe they can do it.” “You’re not gonna become a millionaire instantly, but you’re gonna feel good about your money instantly." Links Website: Budgetdog
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