Money On My Mind

I'm showing up raw and real in this episode—white tee, unfiltered, and straight from the heart. I take you behind the scenes of my journey from fear-filled moments to life-altering breakthroughs. From failing multiple CPA exams to quitting a secure job at Deloitte, from launching Budget Dog to facing my daughter's rare medical condition—every leap was powered by fear. But not the kind that paralyzes; the kind that fuels you when there's no other choice but to rise.   In this episode, I share how fear can either break you or build you. I recount how I used fear to pass the CPA 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 https://bookwithbudgetdog.com/ped 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.

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: https://www.budgetdog.com 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.

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 https://budgetdog.com   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.

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 https://budgetdog.com   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!

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 https://budgetdog.com

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 https://budgetdog.com

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 https://budgetdog.com

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 https://budgetdog.com  

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 https://budgetdog.com

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 https://budgetdog.com

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: https://investor.vanguard.com Fidelity Investments: https://www.fidelity.com Charles Schwab: https://www.schwab.com M1 Finance: https://www.m1finance.com   Budgetdog https://budgetdog.com https://budgetdogacademy.com/automated-investing-ioa-ot

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 https://budgetdog.com

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 https://budgetdog.com

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 https://budgetdog.com

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.

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 https://budgetdog.com  

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 https://budgetdog.com   Asana https://asana.com/   Quickbooks https://quickbooks.intuit.com/

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 https://budgetdog.com

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 https://budgetdog.com

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 https://budgetdog.com

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 https://www.amazon.com/Subtle-Art-Not-Giving-Counterintuitive/dp/0062457713   Atomic Habits https://www.amazon.com/Atomic-Habits-Proven-Build-Break/dp/0735211299   Budgetdog https://www.budgetdog.com

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 https://budgetdog.com

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://budgetdogtemplate.com/bonus-training  https://docs.google.com/spreadsheets/d/1rX4-EsIvUmx6cLVp7NG_JR-hD1e72-Ad/edit?usp=sharing&ouid=114928106753728252238&rtpof=true&sd=true • Join the Budgetdog Academy: https://budgetdog.com/ • 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!

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://bookwithbudgetdog.com/ped 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.

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 https://budgetdog.com/  

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 https://budgetdog.com

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 https://budgetdog.com/

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://budgetdog.com/ https://instagram.com/budgetdog  

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 https://budgetdogacademy.com  

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

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 www.budgetdogacademy.com   The Roadmap to Financial Freedom https://www.amazon.com/Roadmap-Financial-Freedom-Millionaires-Automated/dp/1394217242  

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 https://budgetdog.com

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 https://www.budgetdog.com

Did you know that one of the biggest things holding you back from achieving financial freedom is your lack of knowledge? This is a simple concept that's been explained by many successful people for decades now and this could be the one thing that's holding you back too, especially if you're skeptical about people who can help you.    Listen to this episode to learn how you can overcome the skepticism towards working with financial professionals and how it can help you get on the right path to financial freedom!   Key Talking Points of the Episode   00:00 Introduction 01:01 What makes it challenging to reach people who need help? 02:11 Why do you need to seek help from a financial professional? 03:03 How can you overcome the skepticism towards working with a financial professional? 04:00 What questions should you be asking if you want to build wealth? 06:02 How can a financial professional help you get on the right path to success? 07:15 Why is it important to have guidance from someone who understands finances? 08:20 How can Budgetdog Academy help you get on the right financial path?   Quotables   “Those that do nothing, I'm telling you right now – the expense, or let's call it the opportunity cost lost in this situation is sickening.”   “Most of the time, the reason you don't work with a professional and the reason you think you're gonna figure this out yourself through Google and YouTube, and all this kind of stuff, is because you're skeptical.”   “You need to work with a financial professional as soon as humanly possible because what's gonna happen is that you're gonna continue to be skeptical of everybody out there because everybody's here to take your pockets and take your money, and it's ultimately gonna be hurting your pockets.”   Links   Website: Budgetdog https://www.budgetdog.com

We all want to make a ton of money so we can achieve financial freedom, but do you know the real secret behind making it happen? It's not the best product, it's not the newest strategy – it's the purpose that's driving you. This is what Budgetdog made me realize and this is how we got to where we are today.    Listen now to learn the ultimate secret behind making a ton of money and why you need to understand this early on in your career!    Key Talking Points of the Episode   00:00 Introduction 01:20 What was the purpose of Budgetdog in the beginning? 03:23 How did Budgetdog turn into a business for us? 06:27 How did turning Budgetdog into a business change my mindset? 09:04 What happened when we shifted back to focusing on providing value and solutions? 10:20 How does your mindset and approach impact the success of your business? 12:05 Why is marketing important for your business regardless of your purpose? 14:00 What is my goal for you at Budgetdog? 15:01 How did sticking to our purpose to serve help us connect with people who need us? 17:04 How can you find a solution to serve the people you want to help? 18:19 How can focusing on your purpose help your business grow?   Quotables   “In 2019, the internet was a thing. Instagram was a thing, social media was a thing, but not like it is today, to where people actually have courses and products and books and educational series, and things like that they actually sell.”   “If you continually give, you have a good heart, and you're really authentic about it, you'll be amazed at what you'll just receive as a result.”   “The more I changed my mindset back to focusing on the actual result of the individual, of the person I'm working with, and helping and caring for them, the income would just be a by-product of that.”   Links   Website: Budgetdog https://www.budgetdog.com

Building wealth and achieving success in life will not happen if you're not around the right people. This is what I've learned from the mentors I had throughout my life, especially those I worked with at Deloitte, who have played significant roles to the success I have today.    Listen to this episode to hear what I learned from the three mentors I had in Deloitte and how those lessons changed my life and put me on the path to financial freedom!    Key Talking Points of the Episode   00:00 Introduction 02:05 How can being around the right people encourage your growth? 05:02 What did I learn from my very first mentor at Deloitte? 09:11 Why is mindset the first thing you need to change if you want financial freedom? 12:18 How did my second mentor help me understand the value of investing in connections? 14:34 How can the scarcity mindset hold you back from becoming successful? 17:24 How did changing my mindset put me on the right path to financial freedom? 20:08 What did my third mentor teach me about wealth? 22:31 How can being around the right people help you change your mindset? 24:48 Why are mentors a crucial component to your success?   Quotables   “You're gonna make mistakes. If you're so scared to make mistakes, you're gonna make the biggest mistake which is doing nothing.”   “At the end of the day, I think that a lot of people are closer to wealth than they actually are led to believe because they've always been in their little bubble.”   “I think a lot of people don't understand the power of just being around somebody you wanna emulate.”   Links   Website: Budgetdog https://budgetdog.com/

When people around you are telling you that you're doing well, you're never going to know what you're missing out on. This is what happened to me early in life and how I lost $1M – just because I didn't know better and I wasn't around people who did.    Listen now to learn how I lost $1 million and what I could've done earlier to prevent it, so you can avoid making the same mistakes I did!   Key Talking Points of the Episode   00:00 Introduction 02:56 What could have happened if I started investing earlier? 06:29 What is holding most people back from investing earlier? 08:46 How did things change when I entered the workforce? 13:38 How can being around the right people help you learn to build wealth? 15:49 How can learning about managing your finances help generations after you? 18:15 Why is it important for you to understand how much you're losing if you're not investing? 19:46 How can taking action today help you achieve financial freedom faster? 23:13 What can you do to start building your wealth today?   Quotables   “You're listening to my mistakes, so learn from it because if you don't learn from my mistakes, you're gonna end up making it yourself and it's too late.”   “Although I had some cash, it was being eaten alive by inflation when I could've literally taken that money and instead of opening a fancy bank account with 4 clicks, I could've opened a Roth IRA with also 4 clicks and done the exact same thing.”   “If I continued down that path of thinking, not changing the way I think and rewiring my brain, I would continually not ever getting ahead.”

The process of achieving financial freedom is not easy, but it's not as complicated as most people make it seem to be either. It can be simple if you know what to do and where to begin, and if you're not sure where that is, you can start with my 5-step Financial Freedom Framework – the system that helped me and my students achieve financial freedom.    Listen to this episode to learn more about the things that can help you achieve financial freedom and how the 5-step Financial Freedom Framework can get you there faster!   Key Talking Points of the Episode   00:00 Introduction 01:55 Step 1: Make Money 05:05 What is the biggest problem people face with making money? 08:30 What can you do if you don't make enough money? 12:09 Step 2: Building a Systematic Engine 14:34 What is the importance of investing in your education? 15:06 Step 3: Joining the Right Circles 18:25 How can you get closer to the right people? 20:42 Step 4: Buying Cash-flowing Assets 24:15 Step 5: Shift Active Income to Passive 26:36 What are the benefits of having passive income? 29:20 What should you keep in mind while building wealth? 33:51 How can focusing on the right things help you achieve financial freedom? 34:59 What is the Five Step Financial Freedom Framework?   Quotables   “This right here is the biggest problem with making money. You don't know how much you need so you constantly are chasing. You're constantly thinking that income is your issue – it's not.”   “If you had the education to do this stuff, you're going to become the wealthy individual we're referring to.”   “A clear roadmap that shifts your focus to define success as the daily input of the system, not the result of the system.”   Links   Website: Budgetdog https://budgetdog.com/

Achieving financial freedom isn't easy, but it can be very simple if you have the right systems and the right intention. This is something that not a lot of people take into account when they think about building wealth, but it is such a big part of being able to take the right steps and get yourself closer to financial freedom.   Listen to this episode to learn what you can do if you're serious about achieving financial freedom and how you can break away from your limiting beliefs!    Key Talking Points of the Episode   00:00 Introduction 01:15 What is The Roadmap to Financial Freedom about? 02:55 What did I have to start with? 05:04 How important is intention when you're building financial freedom? 07:05 What is the importance of knowing your ‘why'? 09:28 Why do you need to check out the Millionaire Club? 10:05 What would happen if you continue to do nothing about your finances? 11:57 How can being intentional help make wealth building easier for you? 14:02 What would it really take for you to get on the right path to financial freedom? 16:45 Why is it important to identify what's holding you back from achieving financial freedom?   Quotables   “I think the biggest thing is it was not easy, I was not lucky, and I had zero hand outs.” “A lot of people are great at different things but if we constantly point to why these people have more than us and we just complain about it, it's not gonna work.”   “The financial freedom is almost a by-product. Your personal financial freedom is a by-product of the steps and actions you're taking for the bigger cause.”   Links   Book: The Roadmap to Financial Freedom https://www.amazon.com/Roadmap-Financial-Freedom-Millionaires-Automated/dp/1394217242   Skool: Millionaire Club https://www.skool.com/millionaire-club-8278/about

Everybody wants financial freedom but not a lot of people know what it really takes to get there, especially with everything we're seeing on social media today. There is plenty of work that goes into every step of the process, from getting started to keeping your momentum, and that's what we're talking about today.    Listen now to learn what it really is like before and after financial freedom, what it takes to get through the challenges you will face, and how you can move forward today and get closer to financial freedom!   Key Talking Points of the Episode   00:00 Introduction 01:55 What is it really like before you achieve financial freedom? 04:04 How does your resilience affect your ability to achieve success? 06:01 What makes starting the journey to financial freedom the hardest part? 08:39 How can you turn your negative emotions into fuel to achieve your goals? 09:55 What do you need to understand about what happens before achieving financial freedom? 13:52 What is it like after you've achieved financial freedom? 16:51 What does life look like when you have financial freedom? 18:14 How has financial freedom given me a new purpose in life? 20:18 What do our goals look like now that we have financial freedom? 22:46 What do people make financial freedom out to be? 25:54 What is the true purpose of achieving financial freedom?   Quotables   “The biggest thing behind this entire process is understanding that you have to be resilient.”   “If you don't set yourself up, you're never gonna achieve financial freedom. You're always gonna be sitting in the before stage and you're never gonna get past this – I don't want you guys to do that.”   “The more and more you believe in yourself, the more and more that you start to think this way, and you listen to this podcast and get around people who think this way, you start to believe that for yourself too.”   Links   Website: Budgetdog https://budgetdog.com/

Have you ever wondered why many people want to become millionaires, but not everybody becomes one? It's really simple – they don't think they can do it and they're not equipped with the right mindset, knowledge, structure, and systems to make it happen, even when in reality, it's very simple to achieve.    Listen to this episode to learn more about the reality behind achieving your first million and what could possibly be stopping you from becoming a millionaire today!   Key Talking Points of the Episode   00:00 Introduction 01:12 How easy can it be to become a millionaire? 02:18 What would it take to become a millionaire with average income? 04:45 How much of your income should you expect if you want to be a millionaire? 05:56 What does your mindset have to do with becoming a millionaire? 07:00 Why is it important to have the right structure and systems when building wealth? 08:01 Why do you need to understand that you need to make big changes to build wealth?   Quotables   “My point here is to show that $7 a month will turn you into a millionaire, meaning it doesn't take as much as you actually think.”   “The very first thing you have to do is get into the right mental frame. If you don't think you can build wealth because of the way you grew up, if you've never built wealth and you've been defeated, or there's been shame around money, it's gonna be hard to ever get past that stage.”   “It's super simple – it's not a complex system, it's not crazy rocket science. It's simplified stuff that's allowed us to be millionaires.”   Links   Website: Budgetdog https://budgetdog.com/

The most successful investors always say “time in the market is more important than timing the market” and I could not agree more. There is no point in timing the market and waiting on the sidelines for that perfect day because if you take action now, you're still going to make a better return than when you try to gamble your investments.   Listen to this episode to learn more about timing the market, why it isn't the best thing to do, and how you can actually achieve your financial goals if you have the right mindset!   Key Talking Points of the Episode   00:00 Introduction 01:11 Why is it important to be educated before investing in anything? 02:05 What could happen if you keep on timing the market? 03:31 Why is it important to listen to the right people? 04:54 What should your investing goals be like? 06:00 What is the purpose of investing your money? 07:07 How does your mindset affect your ability to build wealth? 08:56 What can you do to prepare for your investments? 11:21 How does the Budgetdog Academy help people achieve their financial goals? 12:27 Why shouldn't you try to time the market? 15:46 How should you be approaching your investments? 17:21 Why will this mindset prevent you from achieving your financial goals? 18:52 Why is it important to be careful with the information you listen to?   Quotables   “The whole point of all things investing is to learn to hit your financial goals, because that's what you came here to do.”   “It is not a challenging game if you ask the right questions and think about this the right way.”   “You can't guess, you're not gonna know. So if you wanna hit your goals, stop asking the question “is it the right time to invest in the market?”.”   Links   Website: Budgetdog https://www.budgetdog.com

Cryptocurrency has been making waves again, similar to how it did in 2021. Along with this craze comes a lot of hype and if you're not educating yourself enough on the many factors that this investment would affect your portfolio, you could end up losing more than you could imagine.    Listen now to learn more about investing in crypto, the reality behind these crazes, and how you could protect yourself while diversifying your portfolio!   Key Talking Points of the Episode   00:00 Introduction 02:16 What are people saying about crypto today? 03:03 Why is it important to listen to the right people about investing your money? 04:25 What should you know about investing your money in crypto? 07:02 How can you protect yourself from the hype of these investments? 09:03 Why is it important to be vigilant when investing in something new? 10:01 What is a financial plan? 11:18 Why is it important to have a plan for your finances? 12:24 What is the best way to start building your investment portfolio? 14:34 What do you need to understand about these investment trends? 16:04 Why is it important to protect yourself from the hype of crazes like this? 18:13 What can you do to make sure you're investing in the right vehicles?   Quotables   “The whole purpose of investing is to hit your financial goals and I think that a lot of people, especially in the offices, don't understand what they're even in this game for.”   “History doesn't always repeat itself, but it does rhyme.”   “I think how we think as investors are what drive our results long term because oftentimes, what comes up must come down.”  

The first step to achieving financial freedom is knowing that you want it and being willing to do the work to get there. That is how today's guest, Aaron Teer and his wife started their journey, and that's what they are sharing with us on the show.    Listen to this episode to learn more about Aaron's story, how they started working on their finances, and where they are today with achieving their financial goals with support from the Budgetdog Academy!    Key Talking Points of the Episode   00:00 Introduction 01:45 What were money conversations like for Aaron and Tiffany as kids? 03:35 How did Aaron's parents' financial mindset affect him as an adult? 04:21 What was the pivotal moment for Aaron towards his finances? 06:13 What was the conversation like between Aaron and his wife about their finances? 07:26 How has financial management changed for Aaron and his wife? 09:01 How did Aaron's background affect their finances? 10:33 How has Aaron's sobriety improved their life?  11:59 What steps has Aaron and his wife taken to achieve their financial goals? 16:01 What are Aaron's plans and goals for their finances? 19:04 What is Aaron's advice for people who want to get their finances sorted out? 23:17 How has Aaron's financial situation changed since they started taking action? 24:31 What quote helps Aaron move forward through challenges in life?   Quotables   “I think once you fix one thing, the next thing naturally comes as the secondary benefit.” “Another part of the plan is just sticking to the plan.”   “The answers are out there. There are resources, there are ways you can change your situation.”

Building wealth isn't dependent on your income or inheritance, it depends on your motivation, knowledge, and actions. This is what we're uncovering in today's episode as we talk about how acting like a millionaire will help you become an actual millionaire.    Listen now to learn more about the reality behind building wealth and how you can start acting like a millionaire if you want to become a millionaire!    Key Talking Points of the Episode   00:00 Introduction 02:29 What does it really take to become wealthy? 03:37 Why is inheritance not always a factor in building wealth? 05:23 What is the biggest factor that hold people back from becoming millionaires? 08:07 What is the importance of having mentors to support you in building wealth? 09:18 Why is mindset crucial in building your wealth? 11:25 How do your limiting beliefs prevent you from achieving your financial goals? 15:11 What is it really like to start working on changing the way you think? 16:43 How can you start gaining the confidence to change the path you're on? 18:50 How can the media you consume help you achieve success? 20:50 What can happen when you start acting like a millionaire? 22:25 How can you build a plan that will help you achieve your financial goals? 25:02 Why is it important to stay focused on your “why”? 28:18 What can you do today to start building your wealth?   Quotables   “If you're still on the sidelines and you're not even in the game, wake up! Pay attention, join the academy, get moving, and start the process. Start the building of wealth that you deserve to build.”   “People who become millionaires off of inheritance are of lower odds than that of a casino success.”   “What you believe becomes your reality and when you change the way you think about things, you're gonna change your success, and that's exactly what happened to me.”   Links   Website: Budgetdog https://budgetdog.com/   Book: The Roadmap to Financial Freedom https://www.amazon.com/Roadmap-Financial-Freedom-Millionaires-Automated/dp/1394217242  

Building wealth is simple, but it's not easy, and that's what many of the richest people in the world can tell you. This is something I've also personally proven through the years and it is the foundation of Budgetdog Academy – helping others build wealth the right way so more people can achieve financial freedom in a sustainable and scalable manner.    Listen to this episode to learn why the rich get richer and how you can get yourself on the right path to financial freedom using a roadmap that has been proven effective through time!   Key Talking Points of the Episode   00:00 Introduction 02:42 How can your network provide you access to opportunities? 03:48 What is level 1 of building wealth the right way? 06:02 Why is it important to tell people what value you can provide? 07:54 How were we able to raise $1 million for capital? 09:20 How can following the roadmap to financial freedom ensure your success? 11:26 Why is it important to put effort into getting connected with the right people? 13:01 How can private equity help you build wealth faster?   Quotables   “The skill sets I was able to get from these individuals because I've either paid to play at different times or I provided value to other groups that they've allowed me to their circle because I've been providing value at a higher level.”   “A lot of people are afraid to ask and the answer is gonna be “no” if you don't ask.” “The first 5, 10 years, or whatever – it's gonna be working hard, just so you know. You're not gonna skip level 1, you're not gonna skip any steps. That's what I did, that's what you're gonna have to do.”   Links   Book: The Roadmap to Financial Freedom https://www.amazon.com/Roadmap-Financial-Freedom-Millionaires-Automated/dp/1394217242

Joseph and Allie Swanson are members of the Budgetdog Academy and they are a testament of the success we're able to guide our students through. They came to the Budgetdog Academy early this year and today, they're moving forward towards their big goals faster than anyone would've expected with the help of the roadmap we've built to help people achieve financial independence and freedom.   Listen to this episode to learn more about Joe and Allie, their finance backgrounds, and how the Budgetdog Academy is helping them stay on track to achieve their financial goals!    Key Talking Points of the Episode   00:00 Introduction 01:36 What was money like for Joe and Allie while growing up? 06:01 How did Joe and Allie's childhood influence their financial habits as adults? 11:45 How did Joe and Allie meet? 14:01 What was it like for Joe and Allie to merge their finances? 16:05 How did Joe and Allie find the Budgetdog Academy? 18:10 What was it like for Joe and Allie to discover the Budgetdog Academy? 21:06 What sets Budgetdog Academy apart from others? 25:28 What are Joe and Allie's goals for the future? 28:22 Why is it important to think long-term in building your finances up? 30:13 What kind of businesses are Joe and Allie looking into? 32:07 What is Joe and Allie's advice for people who want to start working on their finances? Quotables   “Our big goal last year was getting our finances in check and we were able to do that. I think we invested half of our income and still had money for our expenses and everything, and plus more, so we were so impressed by that – by just learning through the program.”   “Once you find that business, you've been talking about it so much, and when there's intention behind something, it will happen.”   “If you really wanna get a grip at where you're spending your money, then you want to understand how and why you're spending your money.”  

Better financial habits can be for everybody, if you have a strong motivation and the drive to make it happen. This is what today's guest has proven through the years as he went from being a police officer with spending habits that were not as healthy to becoming a savvy investor on his way to grow a real estate portfolio for his family's future.    Listen now to learn how better financial habits can put you on the right path to success and what you can do today if you want to start getting your finances straightened out!    Key Talking Points of the Episode   00:00 Introduction 01:05 What were finances like for most families in the 80's? 03:48 What was it like to not be taught about finances? 05:05 How would your parents' financial habits influence yours? 07:41 How can unhealthy spending habits impact your life? 08:45 What can the Budgetdog Academy help you with? 09:48 How does your childhood impact your financial habits as an adult? 11:30 Why is your intention important in building better financial habits? 13:29 How important is it to have people support you as you work on your finances? 19:03 How would your first deal impact your perspective in real estate? 22:40 How can you make the most of your investments with a partner? 23:47 How can real estate provide better opportunities for you and your family? 26:38 Why is real estate a smarter way to grow your wealth? 28:27 What can you start to do today to start building healthy financial habits?   Quotables   “I kinda learned as I grew up. I had to teach myself from making a lot of mistakes.”   “Having communication is so important, especially when you have common goals you wanna talk about.”   Links   Website: Safety Pro Marksmanship and Tactical Training https://safetyprotactical.com/  

Everybody talks about work-life balance, but what does that really mean?    If you're stuck in a rut and you feel like you want more out of life, chances are, this is what you're looking for too. It's pretty normal to be thinking this because everyone else is too, but is society's idea of balance really what you need to thrive in life?    Listen now to better understand what it really means to want work-life balance and what kind of balance is healthy to have in your life!   Key Talking Points of the Episode   00:00 Introduction 01:18 What is balance all about? 02:37 What does wanting balance truly mean? 03:31 What do most successful people in the world have in common? 04:42 How will your priorities help identify the kind of balance you will have in life? 06:01 What does healthy balance look like? 07:39 What is the reality behind the idea of having work-life balance? 09:01 What kind of balance should we aim to achieve? 10:44 Why is it important to have clarity on what you value the most? 12:01 Why should you address the desire for balance early in your career?   Quotables   “When you value balance, you value average because balance is average.”   “They've gone so extreme to where they wanna reach a level of success that nothing is stopping them.”   “I know that I value achieving that goal, moreso than the idea of balance. Balance has never really been attractive to me.”   Links   Instagram: Brennan Schlagbaum https://www.instagram.com/budgetdog

Budgets are not supposed to restrict you, they're supposed to guide you, and this is something many people do not understand. It's honestly one of the biggest reasons there's so much resistance to implementing it but if you truly want to achieve financial freedom, this is the first thing you need to manage well and understand how to leverage!    Listen now to understand what it truly means to have a budget and how you can start managing your finances today to get to a better financial situation without cutting down on your expenses!   Key Talking Points of the Episode   00:00 Introduction 01:01 What do most people believe about achieving financial freedom? 02:08 How do most people's belief systems affect their finances? 03:00 What mindset do you need to have for better financial management? 04:00 What do you need to understand about how budgets work? 06:09 What tools can you use to help you build your wealth? 07:36 How will your priorities help you manage your finances better? 08:28 Why is it important to really understand why you want to spend your money? 09:41 How can understanding your reasons help you make better financial decisions? 10:49 What is the importance of aligning your goals and finances?   Quotables   “If you really wanna do this the right way, realize that there's 2 seasons – seasons of abundance and seasons of sacrifice, and both seasons are gonna happen from time to time, just like winter, fall, spring, and summer, and it's okay.”   “Anything worthwhile is worth the sacrifice and anything worthwhile requires sacrifice.”   “Most novices will think that a budget is like the end all, be all, but it's just a small – it's probably 5% of the whole puzzle.”  

Kierra Bussey is a self-made visionary entrepreneur who is a devoted mother with a strong passion for wellness and mental health. She built her self-care brand, Ignite Your Peace, as she was learning more about finances and raising her children, and she is with us today to talk about her journey, how her mindset has shifted through the years, and what you can do to start changing your financial situation today.   Listen now to learn what Kierra's road to financial independence was like and how she is preparing for her children's financial future!   Key Talking Points of the Episode   00:00 Introduction 01:10 What was money like for Kierra's family as a child?  03:00 What was it like for Kierra when she first started making money? 05:02 When did Kierra first meet a financial advisor? 06:20 Why is it important to learn how to manage your finances early? 09:59 What has Kierra done to give her children a good financial future? 14:35 How did Kierra's childhood influence her mindset towards money? 16:24 How does Kierra plan to educate her children on finances when they're older? 19:49 What is Kierra's advice for someone who wants to be financially secure? 21:49 How did The Psychology of Money help Kierra understand finances better? 24:53 What was it like for Kierra to start managing her finances better? 27:45 What mistake did Kierra make before she started managing her finances the right way? 29:32 What do people need to keep in mind as they start working on their finances?   Quotables   “Even if you're only making $24K a year, learn how to manage your money and make it grow because I could compare myself to someone who's making half of what I make and they may have more money and a greater net worth because they understand how to manage and invest their money.”   “My commitment to myself and my family is now that I have access to understanding what passive income is even through just investing, is to just have those vehicles where I can passively make income.”   “I wanna be financially secure and the way to get there is by setting up multiple streams of passive income.”   Links   Book: The Psychology of Money https://www.amazon.com/Psychology-Money-Timeless-Lessons-Happiness/dp/B08D9WJ9G8