Estate Planning, Investing, HSA vs. FSA, and Tax Strategies Explained

Some financial questions do not have a quick answer. They require context, nuance, and an understanding of how each decision connects to the rest of your financial picture. BudgetDog Academy students bring exactly those kinds of questions to open Q&A calls every week. Brennan Schlagbaum — a licensed CPA who paid off $304,000 in debtContinue reading “Estate Planning, Investing, HSA vs. FSA, and Tax Strategies Explained”

The 3-Month Budget Review That Reveals Where Your Money Is Really Going

Most budgets are built forward. You estimate what you plan to spend, assign numbers to categories, and move into the month with a plan. That process matters — but it only tells half the story. A budget lookback tells the other half. It shows you what actually happened. These questions came out of a recentContinue reading “The 3-Month Budget Review That Reveals Where Your Money Is Really Going”

Prepare Your Financial Moat

In order to help protect yourself from financial ruin, you need to prepare your moat. By having a deep enough moat, layers of financial protection, you can hopefully change the situation from a crisis or catastrophe to an inconvenient but manageable situation.