Money On My Mind

Brennan Schlagbaum
  • 4.8 (37)
  • Investing
  • Updated Weekly

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

  1. 5d ago

    Why More Money Doesn't Always Make You Happier

    Many people believe earning more money will solve all of their financial stress. The reality is often the opposite. In this episode of The Budgetdog Breakdown, I answer real listener questions about money mindset, financial planning, rebuilding after setbacks, saving for major life goals, and creating better financial habits. We discuss why your relationship with money matters more than your income, how to recover after divorce, why having no savings isn't the end of your story, and how building simple systems creates long-term financial freedom. Money isn't just about math. It's about behavior. Episode Timeline and Highlights 00:00 Why wealthy people rely on systems 00:20 Does more money create happiness? 03:30 Choosing between IVF and buying a home 06:26 Starting over after divorce 07:56 High income with no savings 11:13 The truth about paying yourself first Key Takeaways • Income does not determine financial peace • Financial planning removes uncertainty • It's never too late to rebuild wealth • Savings habits matter more than perfection • Automation creates consistency • Systems outperform emotion Quotables "Wealthy people aren't wealthy because they win every day. They use systems that make losing hard." "Money removes stress, but it doesn't automatically create happiness." "The goal isn't making more money. It's building a better relationship with money." Your financial future isn't determined by where you are today. It's determined by the system you build from this point forward.

  2. Jul 15

    Your Money Problem Isn't Your Income

    Making more money won't fix unhealthy money habits. In this episode of The Budgetdog Breakdown, Brendan answers listener questions about emotional spending, investing, financial anxiety, money conflicts in marriage, scarcity mindset, and recovering after credit card debt. You'll learn why financial success depends on understanding your psychology just as much as understanding your numbers, and how simple systems can help you make better financial decisions with confidence. Episode Timeline and Highlights 00:19 Emotional spending and the psychology behind it 03:46 How to know if you're investing enough 10:13 Why couples argue about money 13:07 Escaping a scarcity mindsed 20:19 Using credit cards with confidence Key Takeaways • Money problems often begin with behavior, not income • Emotional spending requires more than budgeting • Financial plans remove uncertainty and build confidence • Couples need shared financial values, not just shared budgets • Intentional spending creates freedom without guilt • Automation helps prevent costly financial mistakes • Wealth is built through consistent systems over time Quotables "Money is not your money problem." "The way you view money is your money problem." "Wealthy people aren't wealthy because they win every day. They just use systems that make losing hard." Building wealth isn't just about earning more or investing more. It's about understanding the behaviors, beliefs, and systems that shape every financial decision you make. When you combine self-awareness with a clear financial plan, long-term wealth becomes far more predictable and far less stressful.

  3. Jul 8

    The Hidden Cost of Becoming the Highest Earner in Your Family

    What happens when you're the most successful person in your family—and everyone knows it? In this episode of The Budgetdog Breakdown, I answer a listener's question about handling financial expectations from family members while continuing to build wealth. We discuss why setting boundaries isn't selfish, how income transparency can sometimes create unnecessary pressure, and why protecting your financial future allows you to help others from a position of strength. Money isn't just math. It's relationships, emotions, and boundaries. Episode Timeline and Highlights 00:00 Why wealthy people rely on systems 00:20 The pressure of becoming the highest earner 02:00 Creating financial boundaries 04:30 Why income transparency can backfire 07:00 Protecting your future while helping others Key Takeaways • Financial boundaries are healthy, not selfish • Income doesn't create an obligation to support everyone • Protecting your finances creates long-term stability • Wealth requires emotional discipline • Generosity should never come at the expense of your own future Quotables "Wealthy people aren't wealthy because they win every day. They use systems that make losing hard." "You can't pour from an empty cup." "Protecting your financial future isn't selfish. It's responsible." Building wealth is about more than growing your net worth. It's about creating a life where generosity comes from abundance—not obligation.

  4. Jul 1

    Why Knowing About Investing Isn't Enough

    Most people don't struggle with money because they lack information. They struggle because they never build a system. In this episode of The Budgetdog Breakdown, I answer real listener questions covering retirement planning for self-employed entrepreneurs, relationship challenges around money, hidden investment fees, building a step-by-step investing strategy, and overcoming analysis paralysis. We also explore one of the biggest problems in personal finance today: consuming endless financial content without ever taking action. Knowledge matters. But execution changes your life. Episode Timeline and Highlights 00:00 Why wealthy people build systems 00:20 Retirement planning for self-employed business owners 02:26 Money conflicts in marriage 05:23 The true cost of investment fees 07:45 Building your investing roadmap 11:13 Why education without action keeps people stuck Key Takeaways • Self-employed individuals have powerful retirement options • Automation removes emotion from money • Investment fees compound against your wealth • Every dollar should have a purpose • Information without implementation creates zero results • Financial systems create consistency • Time is your greatest investing asset Quotables "Wealthy people aren't wealthy because they win every day. They use systems that make losing hard." "Automation beats willpower." "Knowing what to do is worthless if you never do it." "The greatest cost isn't making a mistake. It's waiting." The people who build wealth aren't the ones who know the most. They're the ones who build systems that make taking action inevitable.

  5. Jun 24

    Why Smart People Still Struggle With Money EP 12

    Why Your Financial Problems Might Actually Be Psychological Most people spend years trying to fix their money. Few spend time understanding why they behave the way they do with money in the first place. In this episode of The Budgetdog Breakdown, I answer listener questions about retirement planning for parents, investing versus saving, financial behavior passed down through generations, money conflicts in relationships, and the guilt that often comes with building wealth. We explore why financial success is often less about spreadsheets and more about psychology, identity, and the stories we tell ourselves about money. Episode Timeline and Highlights 00:00 Why wealthy people use systems 00:26 Supporting parents financially 03:15 Saving vs investing 07:50 Generational money beliefs 10:00 Marriage and money conflicts 12:48 Wealth guilt and family dynamics 15:35 The psychology of financial success Key Takeaways • Financial behavior is often inherited • Saving and investing serve different purposes • Childhood experiences influence adult money decisions • Couples need to understand each other's money story • Wealth guilt can quietly sabotage progress • Systems reduce emotional decision-making • Financial freedom begins with self-awareness Quotables "Wealthy people aren't wealthy because they win every day. They use systems that make losing hard." "Money problems are often psychology problems in disguise." "You don't build wealth because you know what to do. You build wealth because you consistently do it." "Awareness is the first step toward financial freedom." The biggest breakthroughs in money often happen when you stop asking what to do and start asking why you do what you do. That's where real financial freedom begins.

  6. Jun 18

    The Real Reason You're Still Stressed About Money

    Why More Money Doesn't Always Solve Your Money Problems Most people think financial stress disappears when income goes up. The reality? Many people earn more than ever and still feel anxious, overwhelmed, or stuck. In this episode of The Budgetdog Breakdown, I answer listener questions about money trauma, lifestyle inflation, real estate investing, raising financially confident kids, and what to do after paying off debt. We explore why financial success is often less about math and more about psychology, behavior, and the systems you build around your money. Episode Timeline and Highlights 00:00 Money trauma and scarcity mindset 04:18 Finding where the missing money went 06:32 Is real estate necessary? 08:53 Teaching kids about budgeting 11:17 Transitioning from debt-free to wealth building 13:00 Final lessons on financial psychology Key Takeaways • Childhood money experiences shape adult financial behavior • More income does not automatically create wealth • Lifestyle creep often happens without noticing • Financial systems create confidence and clarity • Real estate is optional, not mandatory • Parents teach money habits through actions, not words • Debt freedom is the beginning, not the finish line Quotables "Long-term wealth is rarely a math problem." "You have to address the psychology before the numbers change." "Wealth is built by systems, not emotions." "The problem is rarely the symptom. The problem is the root cause."   The biggest financial breakthroughs don't happen when you earn more money. They happen when you change the way you think about money.

  7. Jun 10

    Why You Don't Need 10 Income Streams to Get Rich

    Do You Really Need Multiple Income Streams to Build Wealth? Social media has convinced people that building wealth requires doing everything at once. Real estate. Stocks. Crypto. Businesses. Private equity. Side hustles. But is that actually true? In this episode of The Budgetdog Breakdown, I answer listener questions about wealth building, pensions, co-signing loans, emergency funds, workplace spending pressure, and the role that education, access, and investing play in long-term financial success. We break down the difference between active income and passive income, why most people overcomplicate wealth building, and how to focus on the strategies that actually move the needle. Episode Timeline and Highlights 00:00 Do you need multiple income streams? 00:40 Active vs passive wealth 02:00 Businesses, education, and access 08:20 Converting income into investments 10:30 Stocks, real estate, and private equity 17:40 Pension retirement planning 19:20 Co-signing loan mistakes 20:55 Workplace spending pressure 25:15 Emergency fund priorities Key Takeaways • Wealth starts with income generation • Education often produces the highest ROI • Access creates opportunities most people never see • Simplicity beats complexity • Confidence drives better financial decisions • Emergency funds protect investments • Passive income creates long-term freedom Quotables "You don't need to do everything. You need to do what fits your life." "The only way to build real wealth is to turn active income into passive income." "Access changes everything." "Confidence creates opportunity." The goal isn't to own every asset class or chase every opportunity. The goal is to build a system that creates freedom, consistency, and long-term wealth.

  8. Jun 3

    The Real Reason You're Struggling With Money

    The Real Reason You're Struggling With Money Most people think they have a money problem. More often than not, they have a behavior problem. In this episode of The Budgetdog Breakdown, I answer listener questions covering financial anxiety, investing mistakes, debt, marriage, estate planning, and what to do once major financial goals have been achieved. We discuss why people avoid looking at bills, how emotions impact investing decisions, why paying bills is not enough to build wealth, and the importance of protecting your family with proper planning. This episode is about replacing fear with clarity and creating systems that make good financial decisions automatic. Episode Timeline and Highlights 00:00 Why systems matter more than motivation 00:18 Financial anxiety and avoidance behavior 02:00 Investing mistakes and portfolio construction 03:43 Why paying bills is not enough 05:10 Life insurance, wills, and trusts 07:20 Managing cash flow after paying off a house 09:11 Building systems that create freedom Key Takeaways • Financial problems often start with psychology • Investing requires proper portfolio construction • Paying bills is not the same as building wealth • Life insurance and estate planning protect your family • Every dollar should have a purpose • Automation reduces emotional decision-making Quotables "Your issue is not money. Your issue is the psychology behind money." "Every dollar should have a job." "Systems make losing hard." Financial freedom is not about perfection. It's about building systems that consistently move you forward, even when emotions try to pull you backward.

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4.8
out of 5
37 Ratings

About

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

Information

  • Creator
    Brennan Schlagbaum
  • Years Active
    2024 - 2026
  • Episodes
    122
  • Rating
    Clean
  • Copyright
    © 2024
  • Show Website
    Money On My Mind

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