Fifteen weeks into BudgetDog Academy, Michelle shared a Week 15 update that stopped people mid-scroll. Her net worth grew by $47,000 in just 11 weeks. That number alone is worth paying attention to. But the story behind it is what makes it worth telling. What 11 Weeks of Focused Work Actually Produces Michelle and herContinue reading “How Michelle Grew Her Net Worth by $47,000 in Just 11 Weeks”
Tag Archives: HSA
401(k)s, Insurance, Taxes, and Investing: Questions From a Financial Coaching Call
Most people never get to ask a licensed CPA the financial questions that actually keep them up at night. Not because the questions are too complicated — but because access to qualified guidance is expensive, fragmented, or nonexistent for most households. Every week inside BudgetDog Academy, students bring their real questions to open coaching callsContinue reading “401(k)s, Insurance, Taxes, and Investing: Questions From a Financial Coaching Call”
Kelly’s Journey From Financial Clarity to Intentional Wealth Building
Kelly and her husband made two significant financial decisions recently. They sold their camper. They chose not to renew a membership they had held for years. Neither decision happened because they were struggling. Both decisions happened because they had a clear financial vision — and that vision made the trade-offs feel purposeful rather than painful.Continue reading “Kelly’s Journey From Financial Clarity to Intentional Wealth Building”
Investment Automation, Account Strategy, and Tax-Efficient Investing Explained
Every week, BudgetDog Academy students bring real, specific investment and insurance questions to open Q&A calls with Brennan Schlagbaum — a licensed CPA who built a seven-figure net worth and has helped thousands of people build structured, functioning financial plans. These are not theoretical questions. They come from people actively managing their money and tryingContinue reading “Investment Automation, Account Strategy, and Tax-Efficient Investing Explained”
A Net Worth Increase and a Million-Dollar Milestone: Jessica’s BudgetDog Academy Story
One year inside BudgetDog Academy. A $188,000 net worth increase. A seven-figure milestone crossed. Four countries visited. And a retirement timeline that is no longer a vague someday — it is a date on a calendar. That is Jessica’s 12-month story, and every number in it is real. Where Jessica Stood Before the Year BeganContinue reading “A Net Worth Increase and a Million-Dollar Milestone: Jessica’s BudgetDog Academy Story”
Advanced Investing Questions Answered — Roth IRA Rules, Tax Loss Harvesting, and More
This week’s BudgetDog Academy open Q&A went deep. Students brought advanced investing questions covering tax strategy, retirement account mechanics, employer equity compensation, and the ongoing debate between paying off debt and investing. Here is a thorough breakdown of every topic covered. Vanguard Cash Drag Cash drag happens when money sits uninvested inside a brokerage account,Continue reading “Advanced Investing Questions Answered — Roth IRA Rules, Tax Loss Harvesting, and More”
The BEST Investment Account That Only 9.6% of People Have
Medical items and bills can actually be something we can use as a huge tax saving. How? It is an often misunderstood and little utilized account called an HSA which stands for a Health Savings Account. A beauty of the HSA is that there is a triple tax advantage. This works because the money goes in tax-free as pretax income, this money grows tax free, and the money comes out tax free. HSAs are the only account that has pretax contributions AND tax free withdrawals, but you must have qualifying medical expenses.