Extreme Personal Finance Show

Join us in this powerful episode of The Extreme Personal Finance Show as we sit down with Brian Muller, founder of Momentous Wealth Advisors, musician, certified life coach, and author of the upcoming book Momentous Decisions: 7 Steps to Better Health, More Wealth, and a Richer Life. Brian shares his remarkable journey—from his early days as a young financial advisor to navigating profound personal loss and rediscovering life's meaning.

Brian introduces his innovative M.A.D.E. Life framework—focusing on Meaning, Accomplishment, Difference, and Experiences—to help listeners intentionally design a richer, more fulfilling life. Discover how small, consistent lifestyle habits, shifts in identity, and overcoming mental blocks can create lasting transformation in your health and wealth.

Contact Chris:

https://heavymetal.money

https://www.facebook.com/MoneyHeavyMetal

https://x.com/MoneyHeavyMetal

https://www.instagram.com/chrisluger

https://www.tiktok.com/@heavymetalmoney

email: chris at heavymetal.money

Follow Brian Muller on LinkedIn and Facebook to stay connected.

@themomentouslife

Resources and Links:

Brian’s Book 

Momentous Decisions: 7 Steps to Better Health, More Wealth and a Richer Life

https://amzn.to/43AC9Nm

Murge - Interfuse

https://music.apple.com/ca/artist/murge/1475528741

Up Down Sideways

https://www.youtube.com/watch?v=lyWts_KZVi0

Book - Three Moments of Joy Guided Journal 

https://www.amazon.com/Three-Moments-Guided-Activity-Journal/dp/0735355045

Afford Anything Podcast

https://podcasts.apple.com/us/podcast/afford-anything/id1079598542

What I learned at the Afford Anything Goal Setting Workshop

https://heavymetal.money/affordanything-nyc/

The Steve Jobs Archive

https://stevejobsarchive.com
Monsters of Rock Cruise 2026

https://monstersofrockcruise.com

Fifty Fires Podcast
https://podcasts.apple.com/us/podcast/50-fires-money-and-meaning-with-carl-richards/id1709551590

You Are The Average Of The Five People You Spend The Most Time With

https://youtu.be/KdDIPLGKNCI?si=yJEnZoH-AHN5ho9m

Contact Chris:
https://heavymetal.money

https://www.instagram.com/heavy_metal_money/

https://www.youtube.com/@heavymetalmoney

https://www.facebook.com/chrisluger

email: chris at heavymetal.money

On this episode of The Extreme Personal Finance Show, we sit down with multi-disciplinary artist, program director, creative powerhouse, and my sister Jes Reyes. From her first $500 artist check to managing multiple income streams and setting up a SEP IRA, Jes shares her journey of transforming anxiety about taxes into empowerment through organization and education.

🎨 Learn how she:

• Transitioned from starving artist vibes to managing legit income

• Found (and fired) her first tax preparer and why that mattered

• Uses QuickBooks and separate business accounts to stay organized

• Set up her SEP IRA and retirement plans as a self-employed artist

• Combats IRS fears with education, community, and the right CPA

If you're a creative, freelancer, or side hustler trying to figure out how to turn your passion into sustainable income — this episode is for you.

Contact Chris:

https://heavymetal.money

https://www.facebook.com/MoneyHeavyMetal

https://x.com/MoneyHeavyMetal

https://www.instagram.com/chrisluger

https://www.tiktok.com/@heavymetalmoney

email: chris at heavymetal.money

Resources and Links:

Connect with Jes

https://www.jesreyes.com

Instagram

https://www.instagram.com/jesreyesart/

LinkedIn
https://www.linkedin.com/in/jesreyes/

Substack

https://jesreyesart.substack.com

Out of this World

My textile-focused adventure in Iceland.

https://substack.com/inbox/post/162277668

Consult with Jen

https://springboardexchange.org/jes-reyes/

Springboard For The Arts

https://springboardforthearts.org

Tax Information 

https://www.sunlighttax.com

https://www.sunlighttax.com/podcast

Jes’ Tax Preparer 

https://foxtaxservice.com/

https://www.facebook.com/foxtax

https://www.moonplaycinema.org

https://quickbooks.intuit.com/solopreneur/

SEP IRA

https://www.irs.gov/retirement-plans/plan-sponsor/simplified-employee-pension-plan-sep

https://textilecentermn.org

Contact Chris:
https://heavymetal.money

https://www.instagram.com/heavy_metal_money/

https://www.youtube.com/@heavymetalmoney

https://www.facebook.com/chrisluger

email: chris at heavymetal.money

In this episode of The Extreme Personal Finance Show, we go full beast mode with Dr. Dave Powers—a Marine vet, author, and adventurer who's building a real-life 100 Acre Farm inspired by Winnie the Pooh.

• How Dr. Dave creates multiple streams of income—from online publishing to crypto yield farming
• Why he calls it “passive-adjacent” income (and how YOU can build it too)
• The vision behind his regenerative agriculture project to save a 100-acre forest before developers destroy it
• What it’s like homeschooling 5 kids while running a homestead, filming movies, and writing books
• A powerful reminder: you don’t need to sacrifice family time to build wealth—you can build both

Contact Chris:

https://heavymetal.money

⁠https://www.facebook.com/MoneyHeavyMetal⁠

https://x.com/MoneyHeavyMetal

⁠https://www.instagram.com/chrisluger⁠

⁠https://www.tiktok.com/@heavymetalmoney⁠

email: chris at heavymetal.money

Contact Dr. Dave
https://www.instagram.com/drdavidpowers/

https://www.tiktok.com/@ruggeddad

https://www.facebook.com/drdavid.powers/

https://twitter.com/DrDavidPowers

https://www.youtube.com/@streamsofincomebydrdave

Resources and Links:

The 100-Acre Farm Kickstarter
https://www.kickstarter.com/projects/drdavidpowers/the-hundred-acre-farm-a-winnie-the-pooh-inspired-sanctuary

Red Team Goals

https://redteamgoals.com

The Unconference II

https://www.theunconference.live/2026

Multiple Streams of Income: How to Generate a Lifetime of Unlimited Wealth!

by Robert G. Allen

https://amzn.to/4kzfl7s

Streams of Income: Living the Multiple Income Streams Dream

by Ryan Reger

https://amzn.to/3Hiq9IH

The Complete Tales of Winnie-The-Pooh Hardcover

by A. A. Milne 

https://amzn.to/4dFOnsC

The Murph Challenge

https://themurphchallenge.com/pages/the-workout

Contact Chris:
https://heavymetal.money

https://www.instagram.com/heavy_metal_money/

https://www.youtube.com/@heavymetalmoney

https://www.facebook.com/chrisluger

email: chris at heavymetal.money

In this no-holds-barred episode of The Extreme Personal Finance Show, Chris sits down once again with fan-favorite guest April to dissect the question: Is renting actually the smarter move in 2025?

Homeownership rates have dipped to 65.1%, the lowest in over 5 years, and in 50 of the largest U.S. metros, renting is more affordable than buying. With mortgage payments averaging 38% higher than rent, we’re kicking the white-picket-fence fantasy right in the teeth.

April and Chris dive deep into:

• Whether renting is a financial failure or a new path to freedom

• Why six-figure earners are choosing leases over mortgages

• The real (and rising) cost of owning—taxes, maintenance, insurance, and surprise repairs

• Renting for flexibility, lifestyle, and sanity

• 40- and 50-year mortgages: insane trap or necessary evil?

• The outdated stigma of being a lifelong renter

They also swap personal stories—from loud neighbors and appliance fails to van life dreams and why owning a home might not be the badge of success it once was.

If you’ve ever wondered whether to buy, rent, or hit the open road in a camper, this episode’s for you.

Contact Chris:

https://heavymetal.money

https://www.facebook.com/MoneyHeavyMetal

https://x.com/MoneyHeavyMetal

https://www.instagram.com/chrisluger

https://www.tiktok.com/@heavymetalmoney

email: chris at heavymetal.money

Resources and Links:

https://www.advisorperspectives.com/dshort/updates/2025/04/28/home-ownership-rate-q1-2025

https://heavymetal.money/younghomeowner/

Stacking Benjamins Podcast - 

The Great Debate: Buying vs Renting Your Home (SB1677)

https://podcasts.apple.com/us/podcast/the-stacking-benjamins-show/id650045209?i=1000705811478

Smart Money Happy Hour Podcast
https://podcasts.apple.com/us/podcast/smart-money-happy-hour-with-rachel-cruze-and-george-kamel/id1645380849

CampFI 

https://campfi.org

📣 Join the debate: Is the American Dream changing? Drop us a comment or share this episode with someone stuck in mortgage hell.

Contact Chris:
https://heavymetal.money

https://www.instagram.com/heavy_metal_money/

https://www.youtube.com/@heavymetalmoney

https://www.facebook.com/chrisluger

email: chris at heavymetal.money

How Jess McCarthy Boosted Her Credit Score by 200+ Points in One Year — Without a Credit Repair Company

In this episode of The Extreme Personal Finance Show, Chris sits down with Jess McCarthy — Minnesota realtor, entrepreneur, and working mother of 5 — who shares how she raised her credit score by over 200 points in just over a year.

From rock bottom at 557 to a stellar 760, Jess walks us through her raw, real, and relentless journey. No credit repair companies. No handouts. Just grit, hustle, and financial badassery.

We dig into:

• What caused her credit to tank

• Why she didn’t use a credit repair company (and what to do instead)

• How she negotiated and settled $30K of credit card debt

• Smart habits she built to stay out of debt for good

• How your credit score impacts everything from rentals to insurance rates

Whether you're in the pit or just need a comeback story to light your fire — this is it.

Resources Mentioned:

• Experian Credit Score App

• Debt Settlement Strategies

• National Debt Relief (and why Jess said no)

Key Takeaway: You don’t need to pay someone to fix your credit. You need a plan, persistence, and the guts to face the truth.

Contact Chris:

https://heavymetal.money

⁠https://www.facebook.com/MoneyHeavyMetal⁠

https://x.com/MoneyHeavyMetal

⁠https://www.instagram.com/chrisluger⁠

⁠https://www.tiktok.com/@heavymetalmoney⁠

email: chris at heavymetal.money

Contact Jess:

McCarthySellsHomes at gmail dot com

Resources and Links:

Snowball vs. Avalanche: Which Debt Payoff Method Rocks Harder?

⁠https://heavymetal.money/debtpaydown/⁠

Demystifying Credit Scores: Your Financial Report Card and Why It Matters

https://heavymetal.money/creditscores/

Contact Chris:
https://heavymetal.money

https://www.instagram.com/heavy_metal_money/

https://www.youtube.com/@heavymetalmoney

https://www.facebook.com/chrisluger

email: chris at heavymetal.money

Are you stuck in the middle-class trap? Feeling financially okay on paper, yet emotionally and psychologically stuck? In this candid episode of The Extreme Personal Finance Show, host Chris Luger welcomes Justin Nacpil, a technology professional, fellow financial podcaster, and a passionate advocate for intentional living. Together, they dive deep into the realities, anxieties, and strategies for those caught in the "messy middle."

What You'll Discover:

• Is the Middle-Class Trap Real?
  Justin explains why people feel wealthy on paper yet experience anxiety about their financial situation.
• Balancing Optimization with Living Life
  Justin opens up about shifting from relentless financial optimization to prioritizing family, personal happiness, and emotional wealth.
• Why FIRE Isn’t Always the Goal
  Discover why Justin moved away from the Retire Early component of FIRE and how his priorities changed when becoming a father of three.
• The Pressures of Keeping Up
  Chris and Justin tackle the tough topic of societal pressures, keeping up with the Joneses, and managing financial anxiety.
• Advice for Young Adults Starting Out
  Actionable tips on tackling student loans, building an emergency fund, and leveraging the power of compound interest.
• Financial Strategies for the Sandwich Generation
  Learn how Justin navigates the complexities of supporting both his young family and his aging parents.
• Finding True Wealth in Life’s Simplicities
  Reflect on redefining what wealth truly means beyond flashy lifestyles and financial figures.

Justin’s Key Advice:

• Focus on a limited set of clear financial goals.
• Understand and appreciate the true value of compound growth, even if you start small.
• Regularly re-evaluate personal priorities beyond just financial numbers.

Connect With Our Guest:

Justin Nacpil, Host of The Road to Wealth podcast, is passionate about helping others navigate personal finance with clarity and intentionality.

https://roadtowealth.carrd.co

Road To Wealth Podcast

https://podcasts.apple.com/us/podcast/road-to-wealth/id1550826777

Contact Chris:

https://heavymetal.money

https://www.facebook.com/MoneyHeavyMetal

https://x.com/MoneyHeavyMetal

https://www.instagram.com/chrisluger

https://www.tiktok.com/@heavymetalmoney

email: chris at heavymetal.money

Resources and Links:

Book:

Atomic Habits

By James Clear

https://amzn.to/3GYUvj8

Book:

I Will Teach You To Be Rich

By Ramit Sethi

https://amzn.to/439bBlZ
Book:
5 Types of Wealth

By Sahil Bloom

https://amzn.to/4iEMcGs

Dave Ramsey
https://www.ramseysolutions.com

Contact Chris:
https://heavymetal.money

https://www.instagram.com/heavy_metal_money/

https://www.youtube.com/@heavymetalmoney

https://www.facebook.com/chrisluger

email: chris at heavymetal.money

In this energetic episode of The Extreme Personal Finance Show, Chris and Kevin dive deep into how to ignite your purpose and passions, especially after early retirement. They challenge conventional wisdom around purpose, suggesting it's not something that simply falls into your lap—it can be actively created through curiosity and intentional living.

• Purpose vs. Passion vs. Curiosity: Learn why Kevin prefers "curiosity" as his internal driver, and how it differs from external notions of purpose.

• Prioritizing Your Passions: Chris shares how to focus your energy on what genuinely excites you and how to use personal development investments to fuel your growth.

• Memory Dividends: Why investing in experiences that bring happiness now is crucial, based on concepts from Bill Perkins' "Die with Zero."

• Daily Themes and Time Blocking: Explore practical ways to prioritize multiple interests and stay motivated without burning out.

Tune in to discover actionable strategies for aligning your retirement around what truly matters most to you.

Contact Chris:

https://heavymetal.money

https://www.facebook.com/MoneyHeavyMetal

https://x.com/MoneyHeavyMetal

https://www.instagram.com/chrisluger

https://www.tiktok.com/@heavymetalmoney

email: chris at heavymetal.money

Resources and Links:

Kevin’s Blog

http://lifeinfire.com

Podcast Episode: Creating Purpose and Living A Fulfilling Life with Doc G

https://podcasts.apple.com/us/podcast/the-extreme-personal-finance-show/id1537001709?i=1000682529353

Dr. Jordan Grumet

https://jordangrumet.com

Book: The Purpose Code

By Dr. Jordan Grumet

https://amzn.to/4j9zRvf

Book: No Excuses!: The Power of Self-Discipline for Success in Your Life

By Brian Tracy

https://amzn.to/4hTvZwM

Book: Die With ZeroBy Bill Perkins

https://amzn.to/4ji2FRS

Wheel of Life Exercise

https://minimalism.co/articles/wheel-of-life

Documentary Film: Playing With Fire

https://www.playingwithfire.co/the-documentary

Contact Chris:
https://heavymetal.money

https://www.instagram.com/heavy_metal_money/

https://www.youtube.com/@heavymetalmoney

https://www.facebook.com/chrisluger

email: chris at heavymetal.money

Real estate investing gets hyped a lot—but is it the right gig for you? In this episode, I'm joined by Nick Sehy and we dive into the raw truth behind owning rental property, flipping homes, and becoming a so-called “passive income” landlord. Spoiler alert: it ain’t always passive.

But we don’t just talk doom and gloom—we’ll also break down who can rock the real estate game, what tools you need to get started, and how to avoid blowing your bankroll.Book: Set For Life⁠https://amzn.to/3Esz4q3⁠Follow Nick on Instagram⁠https://www.instagram.com/nick.sehy/⁠Schedule a call with Nick⁠https://calendly.com/nicksehy/real-estate-discussion⁠Contact 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://heavymetal.money/real-estate-investing-is-it-for-everyone/⁠

Contact Chris:
https://heavymetal.money

https://www.instagram.com/heavy_metal_money/

https://www.youtube.com/@heavymetalmoney

https://www.facebook.com/chrisluger

email: chris at heavymetal.money

In this episode of the Extreme Personal Finance Show, I’m joined by guest and my good friend Kevin about the importance of community in personal finance and life.
Kevin is a retired, and who achieved financial independence at age 43! The conversation explores how communities can provide support, motivation, and purpose, especially during major life transitions like retirement or leaving the workforce.

We discuss different types of communities (identity-based vs. affinity-based), how community involvement can improve mental and physical health, and personal examples of how community has enriched their lives, particularly in the financial independence community and heavy metal community!

Contact Chris:

https://heavymetal.money

https://www.facebook.com/MoneyHeavyMetal

https://x.com/MoneyHeavyMetal

https://www.instagram.com/chrisluger

https://www.tiktok.com/@heavymetalmoney

email: chris at heavymetal.money

Resources and Links:

Kevin’s Blog

http://lifeinfire.com

CampFI is a life-changing retreat for people on their journey to financial independence. 

https://campfi.org

Financial independence is Better with Friends

https://economeconference.com

Rock Retirement Club

https://www.rockretirementclub.com

The Retirement Answer Man

https://www.rogerwhitney.com

Earn & Invest Podcast - 614. Ten Things About Community

https://podcasts.apple.com/us/podcast/earn-invest/id1440355498?i=1000700560684

Monsters of Rock Cruise 

https://monstersofrockcruise.com

Contact Chris:
https://heavymetal.money

https://www.instagram.com/heavy_metal_money/

https://www.youtube.com/@heavymetalmoney

https://www.facebook.com/chrisluger

email: chris at heavymetal.money

It’s an extra extreme episode of the show today!  We are honored to welcome our guest today is C.J. Ortiz. He is known as The Metal Motivator, He has over 30 Years experience as a speaker, writer, and content creator who blends the raw energy of heavy metal with hardcore motivation.

Since 2009, he has inspired a worldwide audience with his no-nonsense approach to mindset, discipline, and personal transformation. Through Metal Motivation, he delivers daily doses of fire to help people crush excuses, break limits, and dominate their lives. He's like "Tony Robbins meets Metallica."

We dive into how to stay motivated and avoid distractions as you work towards your financial goals. We explore how to stay consistent and live aggressively and thrive in life and finances

We thank C.J. for joining us! 

Contact Chris:

https://heavymetal.money

https://www.facebook.com/MoneyHeavyMetal

https://x.com/MoneyHeavyMetal

https://www.instagram.com/chrisluger

https://www.tiktok.com/@heavymetalmoney

email: chris at heavymetal.money

Resources and Links:

Slow Productivity: The Lost Art of Accomplishment Without Burnout
by Cal Newport

https://amzn.to/4iP9L04

Company Of One: Why Staying Small Is the Next Big Thing for Business

By Paul Jarvis

https://amzn.to/4cmrTfC

Contact CJ: metalmotivation at gmail.com

https://metalmotivation.com

https://www.facebook.com/metalmotivation

https://www.instagram.com/metalmotivator/

Contact Chris:
https://heavymetal.money

https://www.instagram.com/heavy_metal_money/

https://www.youtube.com/@heavymetalmoney

https://www.facebook.com/chrisluger

email: chris at heavymetal.money