It is when someone asks you a question you know the answer to, but you suddenly forget the answer while you are responding to them........thus The Lubb's Effect
Lubbs:Why is it hard to make an atomic bomb?
Bryan: *raises hand*
Lubbs: Yes Bryan?
Bryan: Uh.....wait i just had it. Its like, because of that thing......I HATE THE LUBBS'S EFFECT!!
Lubbs: WORD!
Someone who is addicted to obtaining money and building wealth. A money addict and fanatic. Breadheads often work more than one full-time job, and some even participate in illicit activities to "obtain the bread".