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”
Tag Archives: HSA
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.