Money On My Mind

Your Financial Advisor Is Costing You $2.1 Million | Answering The Most Asked Questions On My IG.

29 Apr 2026

Contributed by Lukas

What's the right life insurance? Should you be using an HSA? Is a 529 really the best way to invest for your kids? In this episode of The Budgetdog Br...

EP 04: Why Couples Who Avoid Money Talks Stay Broke Forever | The Budgetdog Breakdown

22 Apr 2026

Contributed by Lukas

Is 100K a year not enough anymore? In this episode of The Budgetdog Breakdown, we answer real listener questions from people navigating some of the mo...

EP 03: 6 Money Questions That Keep You Broke (Answered)

15 Apr 2026

Contributed by Lukas

Why Making $100K Still Feels Like You're Broke A six figure income used to mean financial security. Today, it often feels like just getting by. In thi...

EP 2: Q&A Show

08 Apr 2026

Contributed by Lukas

Answering the Real Money Questions People Are Afraid to Ask After launching The Budgetdog Breakdown, hundreds of questions came in and a pattern becam...

Ep 1: Q/A Show

01 Apr 2026

Contributed by Lukas

How to Tell If You Are Growing Or Just Drifting Most people assume that if something feels hard, it must be working. But not all pain leads to progres...

Discomfort vs Misalignment: How to Know the Difference (and What to Do About It)

25 Mar 2026

Contributed by Lukas

How to Tell If You Are Growing Or Just Drifting Most people assume that if something feels hard, it must be working. But not all pain leads to progres...

BONUS EP 2 : Why Complex Portfolios Underperform (And the Data Proves It)

18 Mar 2026

Contributed by Lukas

Why Complex Portfolios Underperform Simple Ones Most investors believe that more complexity leads to better results. More funds, more strategies, more...

EP 2: How to Fight the Comfort of a Good W2 (and Why the Fear of Failure is a Lie)

11 Mar 2026

Contributed by Lukas

Why I Left a Six Figure Job to Build My Own Businesses For many people a high paying W2 job feels like the finish line. Stability, benefits, and predi...

Stock Market volatility isn't the problem - you are | New Season

04 Mar 2026

Contributed by Lukas

Why Investors Panic Even When the Data Says They Shouldn't Every market pullback creates the same reaction. Panic headlines. Emotional decisions. Inve...

The Invisible Taxes You're Already Paying (That Have Nothing to Do With the IRS)

25 Feb 2026

Contributed by Lukas

The Invisible Taxes That Are Quietly Stealing Your Wealth Most people think taxes are the biggest drain on their money. The truth is the silent taxes ...

Ep 99: The Simple Account Framework That Built Our 7-Figure Portfolio (and What Took It to the Next Level)

18 Feb 2026

Contributed by Lukas

The Simple Framework That Built Seven Figures And What Scaled It Further Most people believe building wealth requires complex strategies, insider know...

Ep 98: Is the 50-Year Mortgage a Good Idea?

11 Feb 2026

Contributed by Lukas

The Truth About 50 Year Mortgages and Why They Cost You Freedom A 50 year mortgage sounds like relief. Lower payments. Easier approval. More house. Bu...

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

04 Feb 2026

Contributed by Lukas

The Emotional Traps That Quietly Destroy Your Finances Most financial problems aren't caused by lack of knowledge. They're caused by emotion. In this ...

Ep 96: Why I'll Never Use a Financial Advisor (And You Don't Need One Either)

28 Jan 2026

Contributed by Lukas

Do You Really Need a Financial Advisor Or Just a Better System Most people are told they need a financial advisor because money feels complicated and ...

The Storm That Built Us: One Year Later

22 Jan 2026

Contributed by Lukas

In this raw and powerful episode, I share the untold story of how our family's life completely fell apart in 2024 – and how we rebuilt stronger than...

Ep 94: You're failing because you don't have systems

14 Jan 2026

Contributed by Lukas

Why Systems Beat Motivation Every Time Most people believe success comes from grinding harder, waking up earlier, or being more disciplined. The truth...

Ep 93: How the Wealthy Use Taxes as an Offensive Weapon

07 Jan 2026

Contributed by Lukas

Most people treat taxes like an unavoidable expense. The wealthy treat them like a strategy. In this episode, I break down how high net worth individu...

Ep 92: The Truth About Why You're Still Stuck Financially (and How to Finally Break Free)

31 Dec 2025

Contributed by Lukas

Stop Playing Small With Your Money: The Real Reason You're Financially Stuck If you've read all the books, tried every budget app, and still feel like...

Ep 91: If you're still playing by the old money rules, you already lost

24 Dec 2025

Contributed by Lukas

The Old Money Rules Are Broken  Here's What Actually Works Now Most people are still following financial advice that was designed for a world that no...

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

17 Dec 2025

Contributed by Lukas

When Life Forces You to Zoom Out: Leadership, Faith, and What Really Matters This episode isn't about money, investing, or business tactics. It's abou...

Ep 89: The Best Time to Invest Might Be When It Feels Impossible

10 Dec 2025

Contributed by Lukas

Why You'll Never "Feel Ready" To Invest  And Why That's Exactly When You Should Start Most people believe they need to fix their debt, earn more mone...

Ep 88: What 100 Years of Market Data Tells Us

03 Dec 2025

Contributed by Lukas

Is it too late to invest when the market hits all-time highs? That's the question everybody is asking, and the truth will surprise you. This episode b...

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

26 Nov 2025

Contributed by Lukas

From negative $8,000 to $5 million net worth, what's the real blueprint? 💰 It's not what most people think. The path to wealth isn't paved with hig...

Ep 86: Leading at Home and at Work: How I Balance Being a CEO, Father, and Husband

19 Nov 2025

Contributed by Lukas

Episode Description   What does leadership really mean when you're running both a household and a business? The truth is, I'm not just the CEO and fo...

Ep 85: The New Financial System Is Already Here (And Most People Will Miss It)

12 Nov 2025

Contributed by Lukas

If you think you're using money the same way your parents did, you're already behind. If your entire view of Bitcoin is based on headlines, you're mis...

Ep 84: Why Being in Debt Might Be the Best Time to Invest in Yourself

05 Nov 2025

Contributed by Lukas

Episode Description "I'd love to join the Academy, but I'm already in debt. I can't justify spending more money right now." This is one of the bigges...

Ep 83: How We're Unlocking Exclusive Real Estate Deals for Our Students

29 Oct 2025

Contributed by Lukas

Episode Description I've been quietly working on something behind the scenes that I'm finally ready to share with Budget Dog Academy students, exclus...

Ep 82: I Spent $72,000 on One Decision—Here's Why It Wasn't Crazy

22 Oct 2025

Contributed by Lukas

Episode Description Investing $72,000 in yourself might sound crazy, but it was one of the best business decisions I've ever made. In this episode, I ...

Ep 81: How Ryan and I left our Deloitte Job

15 Oct 2025

Contributed by Lukas

Ryan made $3 million, lived in a Chicago penthouse, and had only been to three of his daughter's soccer games in 16 years. That moment on his rooftop ...

Ep 80: Why I Started Hating the "Grind" Culture (And What I Do Now)

08 Oct 2025

Contributed by Lukas

Hustle culture nearly destroyed my health, my marriage, and my ability to be present for my daughters. In this deeply personal episode, I ...

Ep 79: Eight Investing Rules of Thumb

30 Sep 2025

Contributed by Lukas

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-te...

Ep 78: Seventeen Budgeting Rules of Thumb

23 Sep 2025

Contributed by Lukas

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—whe...

Ep 77: Why I Created Budgetdog

16 Sep 2025

Contributed by Lukas

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...

Ep 76: Money is Simple. Your Relationship With It Isn't.

09 Sep 2025

Contributed by Lukas

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 re...

Ep 75: How Kirk Became A Millionaire

02 Sep 2025

Contributed by Lukas

In this episode, I sit down with one of BudgetDog Academy's standout students, Kirk Hepker, to share his incredible transformation—from financial c...

Ep 74: You Don't Need More Discipline, You Need This

26 Aug 2025

Contributed by Lukas

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 pro...

Ep 73: The Scarcity Script: Where It Comes From and How to Rewrite It

19 Aug 2025

Contributed by Lukas

"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 inc...

Ep 72: From CPA to Creator: The Hardest Part of Reinventing Myself

12 Aug 2025

Contributed by Lukas

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 some...

Ep 71: Sharing Logan's Journey

05 Aug 2025

Contributed by Lukas

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 D...

Ep 70: How to Define Your "Enough" Number

29 Jul 2025

Contributed by Lukas

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 a...

Ep 69: When Winning Isn't Worth It: Lessons from a Hyper-Focused Life

22 Jul 2025

Contributed by Lukas

Ever chased success so relentlessly that everything else blurred into the background? In this raw and deeply personal episode, I pull back the curtain...

Ep 68: We Grew Our Net Worth by $310K in Q2: Here's How and the System We Used

15 Jul 2025

Contributed by Lukas

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...

Ep 67: How Being a Dad Made Me Rethink Financial Freedom

08 Jul 2025

Contributed by Lukas

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 hu...

Ep 66: How Money Mindset Shapes Financial Freedom

01 Jul 2025

Contributed by Lukas

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...

Ep 65: Building Budgetdog

24 Jun 2025

Contributed by Lukas

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 wh...

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

17 Jun 2025

Contributed by Lukas

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 t...

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

10 Jun 2025

Contributed by Lukas

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 ...

Ep 62: Why I Started This Podcast

03 Jun 2025

Contributed by Lukas

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 beginnin...

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

27 May 2025

Contributed by Lukas

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...

Ep 60: How My Student is Now Making $500k per Year

20 May 2025

Contributed by Lukas

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 transformati...

Ep 59: Against All odds & Defying the Impossible

13 May 2025

Contributed by Lukas

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 challengi...

Ep 58: The Secret to Winning

06 May 2025

Contributed by Lukas

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...

Ep 57: The Attitude You Need to Adopt Today to Win Financially

29 Apr 2025

Contributed by Lukas

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 ...

Ep 56: How to Master Money With Your Spouse

22 Apr 2025

Contributed by Lukas

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...

Ep 55: Why Day Trading Will Keep You Broke

15 Apr 2025

Contributed by Lukas

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 ep...

Ep 54: Eight Principles For Success

08 Apr 2025

Contributed by Lukas

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 t...

Ep 53: My Biggest Money Mistake

01 Apr 2025

Contributed by Lukas

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....

Ep 52: Should I change my health insurance to get access to the HSA?

25 Mar 2025

Contributed by Lukas

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 ...

Ep 51: Can You Share Your Favorite ETFs?

18 Mar 2025

Contributed by Lukas

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, ...

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

11 Mar 2025

Contributed by Lukas

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, s...

Ep 49: How to Make Money Today

04 Mar 2025

Contributed by Lukas

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...

Ep 48: Should I use a HYSA or Invest?

25 Feb 2025

Contributed by Lukas

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 pu...

Ep 47: Where to Invest

18 Feb 2025

Contributed by Lukas

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 frame...

Ep 48: Is the Market Going To Crash?

11 Feb 2025

Contributed by Lukas

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 lis...

Ep 47: Six Steps to Start Your Business Today

04 Feb 2025

Contributed by Lukas

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 startin...

Ep 46: Five Reasons Human Nature is Holding You Back From Building Wealth

28 Jan 2025

Contributed by Lukas

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 psycholog...

Ep 45: How to Get A Raise!

21 Jan 2025

Contributed by Lukas

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 achievin...

Ep 44: My Credit Score Dropped 115 Points

14 Jan 2025

Contributed by Lukas

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. ...

Ep 43: I Quit My Goals!

07 Jan 2025

Contributed by Lukas

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 mi...

Ep 42: The Costs of Mold & How We Are Handling Financially

31 Dec 2024

Contributed by Lukas

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 famil...

Ep 41: Where Do I Start Financially?

24 Dec 2024

Contributed by Lukas

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 b...

Ep 40: You Only Lose If You Give Up

18 Dec 2024

Contributed by Lukas

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 daugh...

Ep 39: From Flipping Fries at McDonalds to Financial Freedom

10 Dec 2024

Contributed by Lukas

In this powerful and inspiring episode, you'll hear the remarkable journey of Jackie, who went from a challenging upbringing to achieving financial fr...

Ep 38: How Are People Affording a Financial Coach While in Financial Crisis

03 Dec 2024

Contributed by Lukas

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 b...

Ep 37: Stop Rushing Financial Freedom - Do This Instead

26 Nov 2024

Contributed by Lukas

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 r...

Ep 36: The Top Three Traits of Highly Successful People

19 Nov 2024

Contributed by Lukas

In this deeply personal and motivating episode, Brennan Slagbaum reflects on a life-changing experience with his daughter's health and how it reinforc...

Ep 35: How to Quit Your Job

12 Nov 2024

Contributed by Lukas

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 an...

Ep 34: Investing For Your Kids

05 Nov 2024

Contributed by Lukas

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...

Ep 33: Three Deep Questions to Ask Yourself

29 Oct 2024

Contributed by Lukas

Correcting impulsive spending early helps develop strong financial habits that support long-term stability and smart money management. It instills the...

Ep 32: The Three Levels of Financial Freedom

22 Oct 2024

Contributed by Lukas

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 ...

Ep 31: You Can Easily Choose To Become a Millionaire

15 Oct 2024

Contributed by Lukas

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 ...

Ep 30: The People That Don't Think They Need Help Need it the Most

08 Oct 2024

Contributed by Lukas

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...

Ep 29: The Secret Behind Making a Ton of Money

01 Oct 2024

Contributed by Lukas

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 pro...

Ep 28: My Three Deloitte Mentors

24 Sep 2024

Contributed by Lukas

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 ...

Ep 27: How I Lost $1,000,000

17 Sep 2024

Contributed by Lukas

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 earl...

Ep 26: The 5 Step Financial Freedom Framework

10 Sep 2024

Contributed by Lukas

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 ...

Ep 25: I Won't Force You to Become Rich; That's on YOU

03 Sep 2024

Contributed by Lukas

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 ...

Ep 24: Before & After of Financial Freedom

27 Aug 2024

Contributed by Lukas

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 me...

Ep 23: It's Hard Not to Become a Millionaire

20 Aug 2024

Contributed by Lukas

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...

Ep 22: Is It the Right Time to Invest?

13 Aug 2024

Contributed by Lukas

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 i...

Ep 21: The Crypto Craze Will End Bad!

06 Aug 2024

Contributed by Lukas

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 yours...

Ep 20: From Credit Card Debt Up to Their Eyeballs to Financial Freedom with Aaron Teer

30 Jul 2024

Contributed by Lukas

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, Aa...

Ep 19: Act Like A Millionaire If You Want To Become a Millionaire

23 Jul 2024

Contributed by Lukas

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...

Ep 18: Why The Rich Get Richer

16 Jul 2024

Contributed by Lukas

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 person...

Ep. 17: From No Understanding of What An ETF Was to Buying a Business

09 Jul 2024

Contributed by Lukas

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 c...

Ep. 16: A Policeman That Retired by 48 with 5 Rental Properties

02 Jul 2024

Contributed by Lukas

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 t...

Ep. 15: What is Work-life Balance?

25 Jun 2024

Contributed by Lukas

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, ch...

Ep. 14: Should You Cut Your Expenses?

18 Jun 2024

Contributed by Lukas

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...

Ep. 13: From ZERO Financial Education to Investing for Her Newborns with Kierra Bussey

11 Jun 2024

Contributed by Lukas

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-c...

Ep. 12: Humble Beginnings: Overcoming Disadvantages in Your Life

04 Jun 2024

Contributed by Lukas

Success isn't something that happens overnight and the sooner you understand that, the sooner you can get yourself on the path that will help you achi...