Money On My Mind

Investing can feel overwhelming with all the strategies, opinions, and noise out there. That’s why in this episode, I break down eight simple, time-tested rules of thumb that will help you cut through the confusion and make smarter decisions with your money. These aren’t rigid formulas—they’re practical guidelines to keep you on track whether you’re just getting started or fine-tuning your portfolio. From understanding how long it takes your money to double, to calculating your “freedom number,” to knowing whether to prioritize retirement or college savings, these rules will help you create clarity and confidence in your financial journey. Episode Timeline & Highlights [0:00] – Introduction [0:54] – Rule #1: The Rule of 72—how long it takes for your money to double [2:00] – Rule #2: Why you’ll only need about 70% of your income in retirement [2:46] – Rule #3: How to calculate your “freedom number” with the 4% rule [3:11] – Rule #4: Safe withdrawal rates in retirement (why I lean conservative) [3:52] – Rule #5: Net worth benchmarks by age and income [4:33] – Rule #6: Asset allocation by age—and why risk tolerance matters more [5:52] – Rule #7: Always take the 401(k) match—it’s free money [6:32] – Rule #8: Child’s education vs. retirement (and why retirement comes first) Key Takeaways Money Compounds Faster Than You Think – Use the Rule of 72 to visualize long-term growth. Retirement Needs Less Than You Earn Now – Strategic withdrawals and fewer expenses change the math. Put Yourself First – You can borrow for college, but you can’t borrow for retirement. Quotables “You can get scholarships for school—but you can’t get scholarships for retirement.” “Aim to have your investments double every ten years at a bare minimum.” “Please don’t listen to anyone who says you can pull 12% from your portfolio. That’s a disaster waiting to happen.” Links & Resources Learn more about BudgetDog Academy: https://budgetdog.com My book, The Roadmap to Financial Freedom: https://budgetdog.com/book Follow me on Instagram: https://instagram.com/budgetdog If this episode helped simplify investing for you, share it with a friend who needs these rules of thumb. And don’t forget to rate, follow, and review the podcast—it helps more people build wealth with confidence and clarity.

In this episode of Money on My Mind, I dive into 17 powerful budgeting rules of thumb that will give you a clear roadmap for managing your money—whether you’re just getting started or looking to refine your financial game.   From how much of your income should go toward a mortgage or rent, to the 50/30/20 rule, emergency funds, cars, student loans, and even how to handle windfalls, these are the guidelines that will keep you on track without overcomplicating things. I also share how these rules evolve as you build real wealth and why financial freedom often changes the “game” you’re playing.   This is practical, actionable advice that you can apply today to build discipline, avoid common money traps, and set yourself up for long-term success.   Key Talking Points of the Episode   00:00 Introduction 00:53 Rule #1: Mortgage payment ≤ 25% of take-home pay (exceptions up to 30%) 03:01 Rule #2: Home price = 3–5x annual gross income 03:37 Rule #3: Refinance if rates drop ≥ 1% 04:20 Rule #4: Save 1% of home value annually for maintenance 05:10 Rule #5: Rent ≤ 25% of take-home pay 05:44 Rule #6: Pay off debt vs. invest: when each makes sense 06:55 Rule #7: Total debt ≤ 36% of gross income (DTI ratio) 07:22 Rule #8: Student loans ≤ starting salary 08:00 Rule #9: Cars: cash preferred, or follow the 20/4/10 rule 09:17 Rule #10: Lifetime cost of a car = 3x sticker price 11:11 Rule #11: Replace car when repairs > car’s value 11:46 Rule #12: Emergency fund = 3–6 months of expenses 12:52 Rule #13: The 50/30/20 rule: needs, wants, and savings/investments 13:35 Rule #14: The 30-day rule for big purchases 14:14 Rule #15: Food budget = 10–15% of gross income 15:10 Rule #16: Windfalls: spend 1–5% on fun, invest the rest toward goals 16:37 Rule #17: Estimate annual income: hourly wage × 2, add 3 zeros 17:32 Why these rules matter more in the beginning stages of wealth building 18:00 How financial freedom changes the rules beyond budgeting basics 21:53 Final thoughts: mastering each stage of wealth and knowing when to level up   Quotables   “If you can stay within these rules of thumb, you’re going to do really, really well—even if you’re not perfect.”   “A mortgage should be a blessing, not a curse.”   “Discipline is what separates those who win with money from those who struggle.”   Links   The Roadmap to Financial Freedom https://budgetdogacademy.com/order-now   Budgetdog https://budgetdog.com

In this episode, I share the story behind why I built BudgetDog and the mission that drives me every single day. From starting out $304,000 in debt as a 22-year-old CPA, to becoming a millionaire in seven years, I explain how personal finance systems transformed my life—and why I knew I had to share them with others.   This isn’t about quick fixes or get-rich-quick schemes. It’s about creating simple, automated systems that work for real families in the real world. I also talk about the deeper “why” behind my work—from my daughter Logan’s fight with Dravet Syndrome, to our family’s $1 million donation goal, to the long-term community we’re building through BudgetDog Academy.     Episode Timeline & Highlights [0:00] – Introduction [1:33] – My own financial struggles after college and the wake-up call that changed everything [2:29] – How I paid off $304K in debt and built a millionaire net worth in just seven years [3:06] – From sharing online casually to building a national bestseller and full-time business [5:05] – Why our six-month roadmap works for families at every stage [7:04] – The power of simplifying and automating your money systems [9:24] – Why money matters when it comes to making an impact—especially in the fight against Dravet Syndrome [13:29] – Reframing budgeting: not restriction, but aligning your money with your values [16:15] – The hidden burden of decision fatigue—and how automation solves it [18:16] – Why I pour into students even when it’s not the most “commercially profitable” choice [23:32] – Why I don’t view other financial platforms as competition [25:25] – Fatherhood, motivation, and building for the next generation     Key Takeaways   Systems Beat Discipline – Financial freedom comes from automation and simplification, not white-knuckled discipline. Money Creates Impact – Wealth isn’t just about you; it’s fuel for making a bigger difference in the world. Play the Long Game – Success—both financial and entrepreneurial—is a marathon, not a sprint.       Quotables   “Budgeting isn’t about restriction—it’s about aligning your money with your values.” “Money does fund impact, whether we like it or not.” “Simple scales, fancy fails. The less you do, the better your results.” “If you don’t bring the best of yourself, you’ll get a lax version of the next generation.”     Links & Resources   My book, The Roadmap to Financial Freedom: https://budgetdog.com/book Learn more about BudgetDog Academy: https://budgetdog.com Follow me on Instagram: https://instagram.com/budgetdog       If this episode resonated with you, please share it with someone who needs encouragement on their financial journey. And don’t forget to rate, follow, and review the podcast—your support helps more families discover the path to freedom and impact.

In this episode of Money on My Mind, I break down why mastering money isn’t about complicated formulas or secret investment hacks—it’s about your relationship with money.   At its core, money is simple: spend less than you make, invest the difference, and let time compound your returns. But fear, guilt, shame, and identity conflicts often sabotage even the smartest strategies. I share how subconscious beliefs, childhood programming, and emotional barriers can keep you stuck in a cycle of avoidance and scarcity, and I give you practical steps to reset your money mindset for long-term success.   This conversation will challenge your beliefs, push you to confront your fears, and give you a framework for aligning your identity with abundance.   Key Talking Points of the Episode   00:00 Introduction 00:37 How your emotions about money make it complicated 01:38 The 3-step playbook: spend less than you make, invest the difference, let time work 02:27 The role of fear, guilt, and mindset blocks in your relationship with money 05:12 The unknown factor: why people fear investing like they fear the “unknown villain” in a movie 07:02 Scarcity and procrastination: why people hoard money instead of investing 08:10 Subconscious programming and avoidance behaviors 10:40 Guilt and shame: linking mistakes with self-worth keeps people stuck 11:42 Why avoiding your budget or bank account makes the problem worse 13:03 Identity conflict: “I grew up poor, I’m not supposed to be rich” 16:06 How labels hold you back from achieving your financial goals 18:02 Victimhood vs. ownership: why externalizing blame disempowers you 21:40 Breaking from the matrix mindset and thinking independently about money 24:53 Personal story: saving every paycheck at McDonald’s, losing $1M in potential investments 28:35 Why environment and belief systems dictate results (Budget Dog Academy framework) 33:02 The two keys to success: focus and not giving up 36:00 Conviction, belief, and aligning your identity with your desired outcome   Quotables   “If you save money and don’t invest it, you are guaranteed to lose money through inflation.”   “You are your own problem, therefore you are your own solution.”   “Your confusion, fear, and avoidance—not money itself—are the real enemy.”   Links The Roadmap to Financial Freedom https://budgetdogacademy.com/order-now   Budgetdog https://budgetdog.com/   Brennan Schlagbaum https://www.instagram.com/budgetdog

In this episode, I sit down with one of BudgetDog Academy’s standout students, Kirk Hepker, to share his incredible transformation—from financial chaos and marital stress to millionaire status and lasting peace of mind. Kirk opens up about the struggles he and his wife faced with money, the constant tension in their relationship, and the breaking point that forced them to take control of their finances once and for all.   You’ll hear how BudgetDog Academy not only changed Kirk’s bank account but also reshaped his marriage, his kids’ financial awareness, and even his role as a leader in his extended family. His story proves what’s possible when you get on the same page, build systems, and surround yourself with the right community.     Episode Timeline & Highlights   [0:00] – Introducing Kirk: one of BudgetDog Academy’s most inspiring success stories [2:05] – What led Kirk and his wife to finally join the Academy [3:43] – How their kids are learning about money (including lemonade stand lessons) [5:23] – The ripple effect: from marriage struggles to building family wealth together [8:18] – Breaking down barriers and arguments around money [10:05] – The financial mess that nearly derailed their relationship [14:00] – The breaking point: almost losing a rental property deal [18:18] – The investments that helped them build millionaire status [21:10] – Why community and mentorship were the secret weapon [23:46] – What happens after becoming a millionaire—navigating “what’s next”     Key Takeaways   Money & Marriage Are Tied Together – Financial disconnection creates emotional distance; alignment builds stronger teams. Systems Create Wealth – From budgets to automated investments, systems remove chaos and drive results. Community Accelerates Growth – Surrounding yourself with the right people pulls you up faster than going it alone.       Quotables   “We were making great money, but we had no idea where it was going.” “It wasn’t just about fixing money—it saved our marriage.” “Becoming a millionaire was incredible, but the biggest shift was peace of mind.” “You’re only as good as the people you hang around, and this community changed everything.”     Links & Resources   Learn more about BudgetDog Academy: https://budgetdog.com Connect with me on Instagram: https://instagram.com/budgetdog       If Kirk’s story inspired you, share this episode with someone who needs proof that transformation is possible. And don’t forget to rate, follow, and review the show—it helps more people find the clarity and community they need to win with money.

We’ve all told ourselves we just need more discipline—wake up earlier, spend less, invest more—but here’s the truth: discipline isn’t the real problem. In this episode, I reveal why discipline is overrated and why the real game-changer is building systems that do the heavy lifting for you.   I share the exact framework I’ve used in my own life and with thousands of BudgetDog Academy students to eliminate decision fatigue, rewire limiting beliefs, and set up automated systems that drive lasting results. If you’ve been white-knuckling your way toward financial goals only to burn out, this episode will help you finally flip the script.     Episode Timeline & Highlights   [0:00] – Why you don’t have a discipline problem—you have a clarity problem [1:20] – James Clear’s truth: “You don’t rise to the level of your goals, you fall to the level of your systems” [2:19] – Why willpower fails and systems win every time [3:21] – Childhood story: how I unknowingly built my first system at age 6 [5:13] – Applying systems to finances, health, and even my daughter’s care [6:22] – The belief → identity → environment → system → results framework [8:30] – Why automation is the secret weapon for wealth building [10:10] – The diet example: how removing friction points changed everything [13:38] – Why identity drives behavior (and how to rewire it) [15:35] – Three simple steps to build momentum: define, set up, and remove friction [16:56] – Your first step: what system can you put in place today?     Key Takeaways   Discipline Isn’t Enough – Relying on willpower alone is a recipe for burnout. Systems create consistency. Frameworks Drive Results – Beliefs shape identity, identity shapes environment, environment shapes systems, and systems create results. Remove Friction, Add Automation – The easier you make good choices, the harder it becomes to fail.       Quotables   “You don’t rise to the level of your goals. You fall to the level of your systems.” “If you’re manually making every financial decision, you’re failing.” “Discipline is draining—systems are freeing.” “It’s not about willpower, it’s about environment, identity, and automation.”     Links & Resources   My national bestseller, The Roadmap to Financial Freedom: https://budgetdog.com/book Learn more about BudgetDog Academy: https://budgetdog.com Connect with me on Instagram: https://instagram.com/budgetdog       If this episode gave you clarity, share it with someone who’s stuck believing they just need more discipline. And don’t forget to follow, rate, and review the show—your support helps more people break free from willpower traps and finally win with money.

“If I just made more money, everything would be fine.” Sound familiar? The truth is, your financial challenges likely have nothing to do with your income and everything to do with the scarcity script that was programmed into you long before you ever touched a dollar.   In this episode, I unpack how childhood lessons, cultural beliefs, and even well-intentioned advice can plant deep-seated money scripts that keep you stuck in fear, lack, and limitation. I share my own journey of breaking free from these beliefs—and the exact steps you can take to rewrite your financial story into one of confidence, abundance, and purpose.     Episode Timeline & Highlights   [0:00] – What the scarcity script is and how it quietly sabotages your financial life [2:17] – Childhood programming: how small lessons shape lifelong money beliefs [5:05] – Why “making more money” won’t fix a scarcity mindset [6:27] – The hidden ways scarcity shows up: overspending, undercharging, avoiding budgets [7:22] – Reframing guilt around charging your worth [9:45] – How raising my prices actually led to better results for clients [13:09] – Training your brain to look at ROI instead of cost [14:21] – Why scarcity blocks more than income—it blocks your purpose [16:07] – Step 1: Awareness—writing down the money phrases you grew up with [16:40] – Step 2: Identity shift—building a new money identity statement [21:56] – Step 3: Evidence rebuilding—celebrating small wins to build trust with yourself     Key Takeaways   Scarcity Is Learned, Not Truth – The money beliefs you inherited growing up are scripts, not reality—and they can be rewritten. Abundance Unlocks Purpose – Letting go of fear-based money patterns isn’t just about earning more; it’s about living fully and giving freely. Rewrite in Three Steps – Awareness, identity shift, and evidence rebuilding are the tools to break free from scarcity and build abundance.       Quotables   “You don’t rewrite the scarcity script—you obliterate it.” “Scarcity doesn’t just block your income. It blocks your purpose.” “Abundance says, ‘How can I create it?’ instead of, ‘I can’t afford it.’”     Links & Resources   Learn more about BudgetDog Academy: https://budgetdog.com Book a call with my team: https://budgetdog.com Connect with me on Instagram: https://instagram.com/budgetdog     If this episode challenged you to think differently about money, share it with someone who needs to hear it. And don’t forget to rate, follow, and review the show—it helps more people break free from the scarcity script and step into abundance.

I thought I had it all figured out—steady career, financial security, and a clear path as a CPA at Deloitte. But deep down, I knew I was living someone else’s dream. In this episode, I take you behind the scenes of my biggest career pivot: leaving the corporate world to build BudgetDog from scratch. I share the surprising way I fell into accounting, the turning point that pushed me to walk away, and the emotional and financial hurdles I faced starting over from zero.   This isn’t just about career change—it’s about identity, courage, and redefining success on your own terms. If you’ve ever felt that pull to do something different but fear and security kept you frozen, my story will give you both the playbook and the push to take action.     Episode Timeline & Highlights   [0:41] - Why I became a CPA (and why it wasn’t really my plan) [4:54] - The chance encounter that landed me at Deloitte [5:11] - Realizing the work didn’t align with my purpose [6:34] - The accidental birth of BudgetDog [8:23] - The moment I knew I had a new calling [11:03] - The emotional cost of reinvention [12:11] - From steady paycheck to financial volatility [14:27] - Proving doubters wrong (and the partner who mocked me) [16:23] - Letting go of external validation [20:28] - Redefining success to serve family and mission [22:45] - Practical steps to prepare for a career pivot [23:29] - Journal prompt to discover your true calling     Key Takeaways   Reinvention is Hard but Worth It – Changing careers means changing your identity, your habits, and how you handle fear. Purpose Outweighs Prestige – External validation and titles won’t matter if the work doesn’t align with what truly fulfills you. Prepare Before You Leap – Build an income bridge, test your idea, and ensure your pivot is both passionate and practical.       Quotables   “Social media chose me—I didn’t choose social media.” “If you doubt me, healthy or not, I will dominate anything you say.” “Reinvention is painful, but so is staying stuck.” “If money were handled right now, what would you build, lead, or create instead?”     Links & Resources   Learn more about BudgetDog Academy: https://budgetdog.com Watch my story about leaving Deloitte: https://youtube.com (search “Deloitte BudgetDog”)       If this episode gave you the push to think differently about your career, please share it with a friend who needs to hear it. And don’t forget to rate, follow, and review the show—it helps more people take bold steps toward the life they want.

In this heartfelt guest episode, my wife and I are hosted by Josh Madsen as we share the deeply personal journey of our daughter Logan’s battle with Dravet Syndrome, a rare and challenging seizure disorder. We open up about the emotional rollercoaster we’ve experienced as parents, the frustrations of traditional medical advice, and the incredible transformation we’ve seen through alternative therapies.   From discovering toxic mold in our home to seeing Logan climb rock walls and slide down playgrounds for the first time, this conversation highlights the power of persistence, hope, and finding the right team. Whether you’re a parent navigating a diagnosis or just in need of a reminder that healing is possible, this episode will move you and motivate you.   Episode Timeline & Highlights [0:00] - Introduction [1:04] - Logan’s second intensive visit and breakthrough improvements [2:30] - The emotional impact of being told “this is just how it is” [3:32] - Discovering primitive reflex integration as the missing key [5:31] - How inflammation, mold, and poor digestion masked real progress [6:58] - From symptoms to solutions: focusing on root causes [9:59] - “Iowa bubble” moments—why the right environment made the difference [12:30] - Working with a diverse and united care team that knows Logan [15:07] - Why different provider perspectives accelerated her results [17:23] - Celebrating Logan’s newfound strength and hope for the future     Key Takeaways   Never Settle for ‘That’s Just the Syndrome’ – Parents must trust their instincts and seek deeper answers when something feels off. Environment and Root Cause Matter – Mold, gut health, and mitochondrial dysfunction were major factors in Logan’s progress. The Right Team Makes All the Difference – When your care team is collaborative and committed, breakthroughs happen faster.       Quotables   “When we came here, it was like she woke back up.”   “If you’re being brushed off by your doctor, something is being missed.”   “You don’t need to settle for survival—there’s a way to thrive.”     Links & Resources   Learn more about BudgetDog Academy: https://budgetdog.com Follow me on Instagram: https://instagram.com/budgetdog   If this story touched you or could help someone you know, please share this episode. And don’t forget to rate, follow, and review the podcast—your support helps more families find the hope and answers they deserve.

In this episode, I open up about one of the most complex and personal aspects of wealth building—understanding when enough is truly enough. After achieving every financial milestone I once dreamed of—paying off six-figure debt, reaching millionaire status, and building a $4M+ net worth—I still found myself chasing the next number. Why? Because “enough” kept changing.   I share insights from deeply personal experiences, pivotal conversations with my mother-in-law and behavioral psychologist, and journal prompts to help you define your own version of success. Whether you’re just starting your financial journey or already well on your way, this episode will challenge how you think about progress, satisfaction, and legacy.     Episode Timeline & Highlights   [0:00] - Why “enough” is the hardest number to define [1:00] - Hitting financial freedom early—but still feeling like it’s not enough [3:06] - The dopamine high of paying off $76,000 in debt [5:12] - The scoreboard mindset and its hidden cost [6:12] - Redefining success beyond money with wisdom from my mother-in-law [9:16] - Breaking free from limiting beliefs and embracing wealth adaptation [14:05] - How helping others became a deeper source of fulfillment [16:16] - Unpacking the emotional baggage behind our enough number [20:08] - A step-by-step framework for defining your personal “enough” [23:42] - Journal prompts to clarify what truly matters in your life [28:21] - Why defining “enough” for yourself is the most powerful financial move you can make     Key Takeaways   Enough Is a Decision, Not a Number – If your goals keep shifting, it’s likely you’re tying your worth or safety to an ever-moving financial target. Redefining Success Leads to Deeper Fulfillment – When you measure impact, time with family, or student outcomes instead of dollars, your purpose becomes clearer. Frameworks and Reflection Are Essential – Clearly defining your baseline, comfort, and aspirational “enough” levels can help you stay grounded and focused.       Quotables   “Enough isn’t a number. It’s actually a decision.”   “You adapt to wealth just like anything else in life. It becomes normal—so stop chasing the next high.”   “If you hit every financial goal and still feel behind, it’s time to check in with what you’re really after.”   “Money is a proxy for control, safety, and worth—but those needs can’t be fixed with a bigger bank account alone.”     Links & Resources   Learn more or join BudgetDog Academy: https://budgetdog.com Book a strategy call with my team: https://budgetdog.com/academy My national bestseller, The Roadmap to Financial Freedom, supports Dravet Syndrome research: https://budgetdog.com/book       If this episode challenged your thinking or helped you clarify your goals, please rate, follow, and share it with someone else who needs to hear this message. Let’s keep building a life that’s rich in every sense of the word. Catch you next time.

Ever chased success so relentlessly that everything else blurred into the background? In this raw and deeply personal episode, I pull back the curtain on the hidden costs of hyperfocus and high achievement. From my early days grinding at Deloitte to building a business from a hospital room, I share the real stories—both the highs and the hard lessons—that shaped my journey. This one’s not about tactics or checklists. It’s about the internal tug-of-war between ambition and presence, and what it truly means to win. Join me as I reflect on what I’ve learned about balancing the drive for financial and professional greatness with the priceless value of being fully present for those you love. If you’ve ever struggled with feeling like success still leaves something missing, this episode is for you. Episode Timeline & Highlights [0:00] - Introduction [0:41] - The start of hyperfocus: from Deloitte intern to ultra-driven adult life [2:35] - National bestseller moment and the reality behind the “success” [4:14] - What behavioral psychology reveals about high achievers [5:22] - When progress makes loved ones feel like obstacles [8:00] - A call that changed everything—and the fear of becoming too ambitious [10:09] - The struggle to be physically present and mentally available [14:17] - A revealing ChatGPT prompt and its powerful message [19:30] - Redefining fitness, success, and what “winning” really looks like [21:18] - Three key lessons every high achiever needs to hear [24:16] - Practical framework: auditing your time and relationships [25:37] - Final thoughts on chasing dreams without sacrificing what matters most   Key Takeaways   Obsession Isn’t a Superpower – When tunnel vision takes over, success can feel empty if you’ve sidelined the people who matter most. Presence Beats Achievement – Your family doesn’t need your results. They need you. Being physically there isn’t the same as being mentally present. Recalibration is Essential – You can still build big things without burning out. Long-term wins require reflection, balance, and a healthy mindset.   Quotables   “If your definition of success doesn’t include peace, connection, and health, it’s not success. It’s just an addiction with a nice label.”   “Your family doesn’t need your results. They need your presence.”   “You don’t have to prove your greatness by suffering harder or scaling faster.”   “The view from the top isn’t worth it if you’re standing there alone.”   Links & Resources   The Roadmap to Financial Freedom – National Bestseller Visit: https://budgetdog.com Connect with me on Instagram: https://instagram.com/budgetdog   If this episode struck a chord, I’d love for you to leave a review, follow the show, and share it with someone who needs to hear it. Your support helps more high achievers find balance and clarity on their journey. Thanks for tuning in—I’ll catch you next week!

We just had our biggest financial leap ever, a $310,000 increase in our net worth in just one quarter. In this episode, I take you behind the curtain to reveal exactly how we did it. But this isn’t just about our win—it’s a blueprint for how you can do it too. I’m sharing the exact system we use (and teach inside Budget Dog Academy) that’s changing lives and stacking net worth gains for hundreds of our students.   I’ll show you how simple financial tools—like a balance sheet, budget, and roadmap—when automated and aligned with your values, can completely transform your financial life. Whether you’re in debt, overwhelmed, or just looking for next-level results, this is your episode.   Timeline Summary: [0:00] – Introduction [0:41] – Our $310K Q2 net worth increase and why this framework is different [3:07] – Real-life student success stories and their massive net worth jumps [4:59] – Core drivers behind our growth: cash flow optimization, investing, and business valuations [5:26] – The 5-document system: balance sheet, budget, amortization schedule, roadmap, and cash flow goal worksheet [10:01] – How tracking quarterly net worth can change your mindset [13:01] – Why automation beats emotion when managing your finances [20:05] – Turning your goals into monthly cash flow targets [23:36] – The 3 pillars of financial fitness: education, automation, and community [27:39] – The myth of “more income equals clarity”—what really solves financial anxiety [29:34] – My personal “why” and how financial freedom saved our family   5 Key Takeaways:   Automation is key. Your system should run itself with minimal input—30 minutes a month is all it takes. Clarity trumps income. You don’t need more money—you need a better plan for the money you already have. Track it or lose it. A quarterly balance sheet is like stepping on the financial scale—you can’t improve what you don’t measure. Your roadmap should reflect your values. Build a system that funds your goals, not someone else’s idea of success. Community and education drive momentum. Surrounding yourself with the right tools and people accelerates your financial journey.   Quotables: “More income is speed—not clarity. If you’re leaking at $60K, you’ll be leaking at $600K.”   “If you can’t commit to 30 minutes a month, you’re not ready to win financially.”   “Automation eliminates the human limitations holding you back from wealth.”   “Net worth is the scoreboard, but freedom is the real win.”   “I don’t just build systems—I build legacies.”   Links & Resources:   https://bookwithbudgetdog.com/ped   If this episode gave you clarity or motivation, share it with someone who needs to hear it. And if you haven’t yet—rate, follow, and leave a review. Your support helps spread this mission of financial empowerment. Let’s get to work!

I used to think financial freedom was a number. Then I became a dad—and everything changed. In this episode, I share my personal journey from the hustle-and-grind definition of success to a more meaningful, family-centered vision of financial freedom. You’ll hear how my daughter Logan’s health challenges made financial freedom not just a goal, but an urgent mission. I dive into the emotional shifts, the mindset changes, and the practical steps that helped my wife and me build a life that gives us the time and presence our family needs—right now.   If you’re a parent who wants more than just a big bank account—and you’re ready to start living life on your own terms today—this episode is for you. Timeline Summary: [0:00] - How fatherhood shattered my old definition of financial freedom. [2:18] - Our path from $304,000 in debt to millionaires by age 30. [3:19] - The hustle mindset: working nonstop, chasing an arbitrary number. [5:22] - The moment my daughter Logan was born and how it redefined everything. [7:02] - Logan’s first seizures and her Dravet syndrome diagnosis; the life-altering shift it caused. [9:09] - The emotional punch of realizing time is more valuable than money. [10:55] - How extreme sensitivity to noise and light made caring for Logan a full-time job. [13:46] - Retiring my wife 363 days after committing to do it—despite the obstacles. [14:13] - Moving across the country for Logan’s care and redefining priorities. [18:19] - Why you shouldn’t wait for “someday” to start living your version of financial freedom. [22:16] - Tactical steps: building emergency funds, investing for time freedom, and recurring revenue. [24:21] - Redefining “rich” as the ability to live life on your own terms. 3 Key Takeaways: 1. Time over numbers – Financial freedom isn’t about hitting a dollar amount, it’s about having time with those who matter most. 2. Start before you’re ready – You don’t need millions to design a life aligned with your values; you just need a plan. 3. Your “why” matters most – A deep, emotional reason will drive you further than any financial goal alone.   Quotables: “Financial freedom is the ability to do whatever, whenever, with whoever.”   “Money buys time, and time with your kids is priceless.”   “Stop waiting for someday. Start building your freedom now.”   Links & Resources Book a call with my team – Ready to map your path to financial freedom? Let’s build your custom plan: https://www.budgetdog.com/ Join my free three-day financial freedom event – Learn practical steps to take control of your money now: https://www.budgetdog.com/ Follow me on social media for daily tips and resources:   Instagram: https://www.instagram.com/budgetdog/ TikTok: https://www.tiktok.com/@budgetdog Facebook: https://www.facebook.com/budgetdog   If you found this episode valuable, please rate, follow, and share Money on My Mind. It helps other parents discover the tools they need to create the life they deserve. Stay intentional—and I’ll see you next week!

Hey everyone! In today’s episode of Money on My Mind, I’m bringing you a special treat: my recent interview on Self Improvement Daily with Brian Ford. We dug deep into one of the most powerful—and often overlooked—parts of your financial journey: your money mindset.   You’ll hear us unpack how your subconscious beliefs about money shape your financial outcomes, why many of us unknowingly hold ourselves back, and what you can do to break through old patterns. We also explore practical steps to take control of your finances by automating your plan and surrounding yourself with the right influences. This conversation is packed with actionable advice to help you build confidence, clarity, and consistency in your money journey. If you’re ready to transform the way you think about money and take charge of your financial future, you won’t want to miss this one!   Episode Timeline & Highlights   [0:00] – Welcome to a special episode: my conversation with Brian Ford on Self Improvement Daily. [1:06] – Brian introduces my journey from CPA buried in debt to financial freedom advocate. [2:05] – Why money mindset is the foundation of lasting wealth (and what most people miss). [4:14] – Uncovering subconscious beliefs that sabotage financial progress—and how awareness changes everything. [6:37] – How reframing challenges as opportunities can massively shift your financial trajectory. [8:04] – Why wealthy people don’t see everything as a scam—and how scarcity thinking holds us back. [13:40] – Overcoming childhood money beliefs that shape how we relate to finances as adults. [15:44] – The power of environment: surrounding yourself with people who think abundantly. [22:02] – Advanced planning and unemotional decision-making: key to staying on track with your goals. [30:09] – The three financial statements you must track (and how automations protect your progress). [34:09] – Using systems and calendar reminders to build a “system of awareness” and reinforce positive money habits.   Quotables   “Awareness is usually the first step to really take it to the next level and become financially free.” “What you feed your mind is who you become.” “Build a moat around your plan so that even when life hits you hard, your financial progress keeps moving forward.” “You don’t need complexity—you need simplicity, clarity, and consistency.”   Links & Resources   https://bookwithbudgetdog.com/ped Self Improvement Daily with Brian Ford – https://www.selfimprovementdailytips.com/brian-ford Final Thoughts   Thanks so much for tuning in! If this episode inspired you to think differently about your money mindset, please rate, review, and share the podcast with someone who needs it. Make sure to follow Money on My Mind so you never miss a new tip on your path to financial freedom. Until next time, stay passionate about your journey and keep taking bold steps towards your money goals!

In this special episode, I’m sharing a powerful conversation I had as a guest on the Two Comma Club podcast with Jonathan Marsh. We got real about what it means to break free from the traditional 9-to-5, the mindset shifts that changed my financial future, and how I turned my personal finance struggles into a mission-driven business helping thousands of others.   You’ll hear my full journey—from crushing $300K of debt to building Budgetdog Academy into a thriving brand. We also dive into the practical tools that helped me, the challenges I faced leaving corporate life, and the strategies I use today to build a business with real impact. Whether you’re an aspiring entrepreneur or just ready to take control of your finances, this episode is packed with stories, lessons, and insights to fuel your path forward.   Timeline Summary [0:00] - Introduction [0:43] - Kicking things off with a guest spot on the Two Comma Club podcast [2:19] - Why I believe financial education should be simple and how we built Budgetdog [4:20] - Growing up financially uneducated and learning through self-education [8:08] - The pivotal role environment played in shaping my money mindset [13:04] - The leap of faith: how I left Deloitte after being forced to choose [21:20] - Why resilience and handling resistance is the true key to success [26:17] - Behind the scenes: how we use content, email, and paid ads to grow [30:04] - Game-changing business book: why Traction is a must-read [36:12] - The importance of being real and not selling a fake lifestyle [40:02] - Financial rules of thumb, automation, and building your financial moat [46:22] - How our book, challenge, and academy help people change their lives   3 Key Takeaways   Self-education is a superpower. You don’t need a formal background to master your money—you need curiosity, discipline, and the right resources. Automation is freedom. When your finances run on autopilot, you remove emotion and inconsistency—creating space for real growth. Resistance builds strength. Success isn’t about avoiding hardship—it’s about enduring and overcoming it with intention.   Quoteables   “The person who keeps the bar on their chest the longest builds the biggest chest.” “If someone knows, likes, and trusts you—and you solve their problem—they’ll work with you.” “You don’t have to be the most talented. You just have to outlast.” “Lock the system, and go live your life.”     Links & Resources   Budgetdog Academy The Roadmap to Financial Freedom by Brendan Traction by Gino Wickman – Business systemization resource Brendan’s 3-Day Financial Challenge (more at Budgetdog.com)   If you enjoyed this episode, make sure to follow, rate, and review Money on My Mind. Share it with someone who’s ready to build wealth and live with purpose!

Welcome back to Money on My Mind! Today’s episode is one of the most personal and powerful I’ve ever recorded. Despite battling a heavy heart and a tough cold, I felt compelled to sit down and share something deeply important: why we so often sabotage our own financial goals—and more importantly, how to break the cycle.   I open up about recent personal loss and the emotional struggles that come with it, tying it all back to how our mindset and subconscious beliefs can quietly but forcefully derail our money journey. We dive deep into childhood money scripts, upper limit beliefs, fear of success, and the psychological traps that keep us stuck. If you’ve ever wondered why it feels so hard to follow through with your financial plans, this episode is for you.   Timeline Summary [0:00] - Introduction [0:41] - Why we set goals but never follow through—and why I still showed up to record today [2:15] - How self-sabotage and upper limit beliefs shape your financial ceiling [4:39] - The impact of childhood money scripts and subconscious programming [8:27] - Personal story: learning money lessons the hard way as a kid [13:05] - Fear of success and how our past can create hidden resistance [16:58] - The tribal psychology of money and fear of outgrowing your circle [21:07] - Stockholm Syndrome and why staying broke sometimes feels safer [25:01] - Signs you’re sabotaging your success—spending sprees, over-research, and distractions [29:31] - Tools to interrupt self-sabotage and shift your financial identity [39:13] - Journal prompts to help rewire your beliefs and unlock new success   Quoteables “Until people see themselves as someone who handles money well, they’ll keep proving the opposite.” “Sometimes we’re not afraid to fail—we’re afraid to succeed and lose it all.” “Money is energy. Money is value. Money is not time spent.” “If I had money already, what would I be doing differently?” “You don’t need to be great to start, but you need to start to become great.”   Links & Resources   https://bookwithbudgetdog.com/ped   If this episode spoke to you, I’d be grateful if you rated and reviewed the show! Don’t forget to follow Money on My Mind and share it with someone else who might need to hear it. Your financial freedom starts with your mindset—let’s rewire it together.

In this deeply personal episode of Money on My Mind, I walk you through the emotional and financial rollercoaster that followed what seemed like the perfect move for our family. We left everything behind to relocate for our daughter’s specialized medical care—only to discover our dream home was poisoning her. A hidden mold and mycotoxin issue triggered severe health setbacks and cost us nearly $300,000 in recovery expenses.   From dealing with a rare epilepsy diagnosis to losing almost all our possessions and scrambling to relocate again, this episode is a raw, transparent look at how fast life can shift. More importantly, I talk about the mindset and financial preparation that allowed us to move quickly and decisively—and how this experience completely redefined my understanding of wealth.   Timeline Summary   [0:00] - Why our dream home nearly destroyed our health and finances [1:10] - Our daughter’s diagnosis with Dravet syndrome [1:54] - Relocating to Texas for expert care and a miraculous 8-month stretch [2:50] - Seizures return, triggering deeper investigation [4:07] - Blood and urine tests reveal shocking mold exposure [5:56] - Emergency travel to Iowa for treatment amid chaos [7:19] - Realizing we had to abandon our home and everything in it [8:52] - Financial pressure mounts as we scramble to protect our daughter [10:00] - How years of financial planning helped us weather the storm [14:04] - Losing 99% of our belongings due to contamination [15:12] - The breakdown of the $300K cost: housing, health, and recovery [16:46] - What money can’t fix—and what really matters [18:46] - How this crisis reshaped my perspective on wealth [20:25] - Preventative measures we’ve taken to safeguard our new home [21:37] - What are you putting off that’s costing you peace of mind?   Key Takeaways   Prepare financially for the unexpected. You never know when a crisis will hit. Building financial flexibility gave us the ability to make life-saving decisions without hesitation. Health is the real wealth. No amount of money is worth more than your family’s well-being. Prioritize health investments now before you’re forced to later. Don’t wait for crisis to force change. If something is causing you low-grade stress or health concerns today, deal with it now—because the cost of waiting can be far greater.     Links & Resources   Infinity Wellness Clinic (Josh, Iowa location) Dravet Syndrome Foundation: dravetfoundation.org Home air quality resources: AirDoctor, dehumidifiers, air scrubbers   If this episode made you think twice about how you define wealth, I’d love for you to rate, follow, and review the show. And if you know someone who could benefit from this story, share it with them. See you next week!

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

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.