Extreme Personal Finance Show

LEAVE A REVIEW on Apple Podcasts for a chance to Win JL Collins’ A Simple Path To Wealth! Most budgets fail, and it's not because you lack discipline. It's because traditional budgeting is built backwards. In this solo episode of the Extreme Personal Finance Show, Chris breaks down why budgets collapse the same way diets do, and introduces values-based budgeting as the fix.Pulling from research on money scripts (Dr. Brad Klontz) and Ramit Sethi's conscious spending plan and money dials concept, Chris walks through a practical, do-it-at-home exercise: pick five core values, rank them, automate your fixed costs, and spend the rest guilt free on what actually matters to you. Along the way, he shares the data on why 83% of Americans say they overspend, why 84% of people with a monthly budget blow past it, and why a huge chunk of people can't even tell you what they spent last month.If you've ever felt like a failure for "cheating" on your budget, this episode reframes the problem and gives you a values-first system that's actually built to last.Bonus: this episode doubles as a preview of the in-person workshop happening at the Benjamins After Dark meetup in the Twin Cities on July 15th.Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources and Links:The Heavy Metal Money Mosh Pit https://www.facebook.com/groups/heavymetalmoneyThe Benjamins After Dark Meetup Group https://www.facebook.com/groups/stackingbenjaminstwincitiesValues-Based Budgeting Event in the Twin Cities, MN https://www.facebook.com/share/1HD5BRCbhk/https://heavymetal.money/moneyscriptI Will Teach You to Be Rich: No Guilt. No Excuses. Just a 6-Week Program That Worksby Ramit Sethi  https://a.co/d/0cTHyZ6Bhttps://www.iwillteachyoutoberich.comSPEND ON WHAT YOU VALUEhttps://heavymetal.money/spend-on-value/DR. BRAD KLONTZhttps://www.bradklontz.comhttps://www.youtube.com/@DrBradKlontzPaula Pant at Afford Anythinghttps://affordanything.com Contact Chris:https://heavymetal.moneyhttps://www.instagram.com/heavy_metal_money/https://www.youtube.com/@heavymetalmoneyhttps://www.facebook.com/chrislugeremail: chris at heavymetal.money

Money Scripts: Why You Handle Money the Way You Do | 107There's a subconscious reason why and how you make every money decision.In this solo episode, Chris dives into money scripts, the subconscious beliefs about money that get programmed into us in early childhood and quietly steer our financial lives well into adulthood. Drawing on the research of financial psychologist Dr. Brad Klontz, Chris walks through the four core money script categories (avoidance, worship, status, and vigilance), explains where these scripts come from, and breaks down the difference between a scarcity mindset and an abundance mindset, including why scarcity isn't just a feeling but an actual measurable brain response.Chris also gets personal, sharing a money memory from his own childhood, and explains how money scripts get passed down through generations until someone finally stops and asks "does this still serve me?" The episode wraps with reflection prompts you can use to start the conversation with your spouse, your kids, or just yourself, plus info on the free, completely anonymous Money Script Assessment available at heavymetal.money/moneyscript.If you've ever wondered why you avoid your bank account, why you can't stop buying things you don't need, or why money feels like a fight even when the numbers are fine, this episode RAWWWKS!Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources and Links:DR. BRAD KLONTZFinancial Psychologist - Author | Professor | Speaker | Psychologist | Financial Advisorhttps://www.bradklontz.comhttps://heavymetal.money/moneyscript/Download the KMSI PDF Assessment https://www.icloud.com/iclouddrive/01bUVmJoHyb_FVozzM9GlUiNg#kmsi-r-revised.pdfContact Chris:https://heavymetal.moneyhttps://www.instagram.com/heavy_metal_money/https://www.youtube.com/@heavymetalmoneyhttps://www.facebook.com/chrislugeremail: chris at heavymetal.money

Creative Ways to Save Money Without Feeling Deprived with Roxanne Duckels of FinanceRox | 105Saving money doesn't have to feel like punishment. In this episode, Chris sits down with Roxanne Duckels, accountant, personal finance coach, and the woman behind FinanceRox, for a real, practical, and genuinely fun conversation about creative and resourceful ways to save more without losing your mind or your social life.Roxanne paid off $49,000 in debt and is on the path to financial independence by 39. She brings a unique perspective to saving: it's less about restriction and more about resourcefulness.In this episode you'll learn:What "purchase procrastination" is and why Roxanne's 30-day rule beats the impulse every timeHow to run no-spend challenges that actually work, including how to set custom rules so you don't feel like you're white-knuckling itThe "thrift first" strategy for buying almost anythingWhy building skills like sewing, drain snaking, and DIY repairs beats calling a proHow Buy Nothing groups and bartering can replace spending with communityThe two money-saving prompts Roxanne uses to find alternatives before buying anythingGrocery hacks including the reverse shopping list, end-of-day markdowns, and pantry shoppingThe truth about subscriptions, loyalty apps, cash back tools, and bulk buyingAnd why keeping an inventory of what you own might be the most underrated money habitThis one is packed. Horns up. 🤘Guest: Roxanne Duckels | FinanceRox YouTube: youtube.com/@financerox Website: financerox.comGiveaway: Leave a review on Apple Podcasts to win a copy of The Student's Guide to Financial Freedom by Dr. Paris Woods.BONUS AI PROMPTS:how can I buy this for less or how can I get it for free?  how can I achieve the same outcome for less or for free?Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources and Links:FinanceRox: financerox.comYouTube: youtube.com/@financeroxAmish Donuts https://www.youtube.com/watch?v=BB8Nq45Cjf0Too Good To Go Apphttps://www.toogoodtogo.com/en-usMeta Viewpoints App (survey/passive income app)https://heavymetal.money/metaviewpoints/Buy Nothing Groups on FacebookThe Student's Guide to Financial Freedom by Dr. Paris WoodsPrimate https://www.imdb.com/title/tt33028778/?ref_=ext_shr_lnkTerrible Mapshttps://www.facebook.com/TerribleMaps/Contact Chris:https://heavymetal.moneyhttps://www.instagram.com/heavy_metal_money/https://www.youtube.com/@heavymetalmoneyhttps://www.facebook.com/chrislugeremail: chris at heavymetal.money

What happens when you put 88 financially intentional people on a cruise ship headed to Alaska? Apparently, a lot of really good conversations, a few late nights, and at least one episode of the Extreme Personal Finance Show recorded on the fly with a phone crammed between two guys.This week, Chris is joined by returning guest Kevin Sebesta, recorded live aboard the FinTalks Cruise somewhere off the coast of the North Pacific. No script. No studio. Just two dudes unpacking what they learned from days of deep conversations with some of the most intentional people in the FI community.If you've ever wondered whether events like this are worth it, this episode will answer that question pretty quickly.What is FinTalks? FinTalks is a paid membership community started by Amberly Grant, built around a weekly Tuesday night discussion group where financially intentional people connect, share, and grow together. No random strangers offering stock tips. Just smart, thoughtful people willing to invest in their own growth and the growth of others. Here's what Chris and Kevin talk about in this one:Living Your 50s While You Still Can One of the most powerful reminders from the trip came through conversations about using your healthiest years intentionally. Inspired by the book Die With Zero and its concept of "time buckets," Chris reflects on why the activities that require physical strength and energy need to happen now, not someday. Kevin drives it home: once there's a five at the front of your age, you're not youngish anymore.Health is the Real Currency Multiple conversations on the cruise circled back to health. Members were skipping elevators, logging stair climbs from deck one to deck 14 or 15, and tracking fitness goals alongside financial ones. One community member named Keith was reportedly racking up a hundred flights of stairs a day. REM sleep, joint health, staying strong enough to do the things you want to do at 60 and beyond. Health kept coming up because the community gets it.The Price You Pay Is Not the Experience You Get Kevin makes a sharp observation here: people in inside cabins with no windows had the same level of enjoyment as people in premium suites with balconies. Because most of the experience happens outside the room, in conversations, at events, on excursions. You don't have to spend a premium to get full value from an experience.The Year of Experiments Chris met a 31-year-old at dinner who had intentionally declared a "year of experiments," committing to try things he normally wouldn't so he could arrive at 70 without regret. That conversation hit hard. It connects directly to why Chris retired early: he wanted into life, not just out of work.The One Sheet Dashboard A community member named Wally gave a presentation on his single-page life tracking system, covering finances, health habits, relationship goals, even the number of game nights with his partner each year. Whether or not a granular tracking system fits your personality, the concept of having visibility into your whole life, not just your money, sparked something for Chris. Kevin, a self-described slacker on spreadsheets, still took value from seeing how a different personality type uses structure to stay aligned.He Time, She Time, We Time A nod to Fritz Gilbert of The Retirement Manifesto, this framework came up in discussions about life design for couples. Shared goals matter, but so do individual pursuits. Not everything needs to be a joint project.Getting Out of Your Comfort Zone Chris admitted that even at an event full of community members, walking up to someone he had never met and introducing himself is still uncomfortable. He did it anyway. Kevin shares that despite appearing effortlessly social, he is genuinely an introvert who becomes something close to an extrovert only around this community. The concept of being an ambivert, someone whose social energy shifts based on environment, came up and it turns out it might be a real thing.The Phases of the FI Journey Kevin breaks this down clearly: there are people on this cruise who retired 10 years ago, people who retired last year, people who are one or two years from leaving, and people who are five to ten years out still building their foundation. Every phase has different challenges, different questions, and different energy. The beauty of being in a diverse community is that someone at every stage of the journey is in the room.Community Over Everything The Harvard Health Study's long-running research found that community, not finances or status, is one of the strongest predictors of wellbeing. Kevin references this and points to something deeper: he knows at least 20 people in this community he could call for real help, people who would show up. He shares a story about community members dropping everything to drive to a car accident on the highway to help a fellow FI friend. That is not a Facebook group. That is family.The Contrast: FinTalks Cruise vs. Monsters of Rock Cruise These two dudes have been on both. The Monsters of Rock Cruise had a built-in conversation starter everywhere you went. This cruise, surrounded by 3,900 non-FinTalks passengers, felt completely different. Outside of their group, Chris spoke to maybe two people in five days. Kevin counted three conversations, one of which was about a ham wrap. The lesson: shared community creates connection. Without it, you can be on a ship with thousands of people and feel completely alone.This Episode Also Includes:The word "Destinesia" (and what it means)A secondhand Chris Holmes mashed potato storyKevin's crosswalk philosophyWhy Kevin does not care what you think of him, and why that might actually be a superpowerDebate over what a rosary is! Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources and Links:FinTalks Tuesdayshttps://www.amberlygrant.com/fintalksConnect with Amberly Granthttps://www.linkedin.com/in/amberlygrant/  Die With Zero: Getting All You Can from Your Money and Your Lifeby Bill Perkins https://a.co/d/09vOyNYJhttps://campfi.orgYour Money or Your Life: 9 Steps to Transforming Your Relationship with Money and Achieving Financial Independenceby Vicki Robin,, Joe Dominguez, Mr. Money Mustachehttps://a.co/d/0hA5QO98Retirement Manifesto (Fritz Gilbert): https://theretirementmanifesto.comThe Importance of Community | Finding your Tribe and Sense of Belonging | E50 https://youtu.be/-HouhdoimagThe importance of connections - Harvard School of Public Health Studyhttps://hsph.harvard.edu/news/the-importance-of-connections-ways-to-live-a-longer-healthier-life/Snigletshttps://en.wikipedia.org/wiki/SnigletContact Chris:https://heavymetal.moneyhttps://www.instagram.com/heavy_metal_money/https://www.youtube.com/@heavymetalmoneyhttps://www.facebook.com/chrislugeremail: chris at heavymetal.money

From $100K in Debt to Financial Coach with Justin BennettFinancial coach Justin Bennett had the career, the house, and the wife by his mid-twenties. But, also over $100,000 in consumer debt he had no idea how to get out of. In this episode, Justin shares the raw, real story of how he and his wife turned it around, and how that experience launched nearly two decades of helping over 1,000 clients eliminate a combined $10 million in debt!We talk about why budgeting gets such a bad rep, the hidden difference between tracking and actually planning, the real reason most people are afraid to look at their own finances, and the mindset shift that has to happen before any process actually works. Justin also breaks down his 3P Framework (Principles, Processes, Plan), shares some incredible client stories, and gives a very honest take on the Buy Now, Pay Later trap that's making all of this so much harder.He also just happens to be a lifelong Metallica fan who met James Hetfield backstage in 2004. So there's that! \m/ \m/ Contact Chris:https://heavymetal.moneyhttps://www.facebook.com/MoneyHeavyMetalhttps://x.com/MoneyHeavyMetalhttps://www.instagram.com/chrislugerhttps://www.tiktok.com/@heavymetalmoneyemail: chris at heavymetal.moneyResources and Links:https://strongtowerconsulting.comhttps://levelupyourfinances.comProfit First: Transform Your Business from a Cash-Eating Monster to a Money-Making Machineby Mike Michalowiczhttps://a.co/d/08PEtGrjThe Money Habit: The Worry-Free Way to Financial Independenceby Mike Michalowiczhttps://a.co/d/030t3Vk0Waylon Jennings talks about quitting drugs.https://www.youtube.com/watch?v=iFHKnVQZDeoAtomic Habits: An Easy & Proven Way to Build Good Habits & Break Bad Onesby James Clearhttps://a.co/d/02kAHu17Contact Chris:https://heavymetal.moneyhttps://www.instagram.com/heavy_metal_money/https://www.youtube.com/@heavymetalmoneyhttps://www.facebook.com/chrislugeremail: chris at heavymetal.money

What Nobody Told You About Money in School (And Why That Has to Change) with Dr. Paris Woods | 102Dr. Paris Woods is back on the Extreme Personal Finance Show, and this time she's bringing the playbook she wrote specifically for the next generation. Her new book, "The Student's Guide to Financial Freedom," released in March 2026 and is already turning heads in schools, nonprofits, and the FIRE community.In this episode, Chris and Dr. Woods get real about why $1.7 trillion in student loan debt doesn't have to be the default, how schools that meet 100% of demonstrated financial need are hiding in plain sight, and why "retirement" is the worst word you can use when talking to a teenager about investing.They also dig into the Freedom Fund concept as a more compelling alternative to traditional retirement framing, the Make, Manage, Multiply framework from the book, what first-gen college students face when they're supporting family back home while trying to build wealth, and how LinkedIn, networking, and proximity can do more for a young person's career than almost anything else.Plus, a conversation about Mr. Beast entering the financial services space, why crowding out bad financial information matters, and what one single habit Dr. Woods hopes every reader takes away and actually keeps.In this episode:Is student loan debt actually unavoidable?Schools that meet 100% of financial need (and why no one talks about them)The Make, Manage, Multiply framework explainedWhy "retirement" doesn't land with Gen Z and what to say insteadThe Freedom Fund conceptFirst-gen students, family financial pressure, and learning to say noThe dollar game from the Bitches Get Riches podcastCollege ROI and what universities won't tell you about job placementLinkedIn as a wealth-building tool, even in high schoolMr. Beast and the financial services spaceThe first financial habit every student should buildContact Chris:https://heavymetal.moneyhttps://www.instagram.com/heavy_metal_money/https://www.youtube.com/@heavymetalmoneyhttps://www.facebook.com/chrislugeremail: chris at heavymetal.moneyConnect with Dr. Paris Woodshttps://pariswoods.com/partnerships/https://www.instagram.com/authorpariswoods/Resources and Links:The Student's Guide to Financial Freedom: A Real-World Money Guide to Help Young People Build Wealth, Avoid Traps, and Plan for Freedomby Paris WoodshContact Chris:https://heavymetal.moneyhttps://www.instagram.com/heavy_metal_money/https://www.youtube.com/@heavymetalmoneyhttps://www.facebook.com/chrislugeremail: chris at heavymetal.money