Brennan Schlagbaum, CPA
@Budgetdog_
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CPA helping you become the next MILLIONAIRE💰| 1,200+ Budgetdog Academy students 👉🏼| Listen to my podcast below👇🏼
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Pinned Tweet
You think this is a game to me?
Na, it’s personal.
Here we come 😤
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Roth IRA's can make you a tax-free millionaire.
But only 6.6% of Americans own one.
Here's everything you need to know about the Roth IRA:
(and why you should have one)
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Real wealth is not:
- Fancy jets
- Lamborghini’s
- Yachts
Real wealth is:
- Going to the gym on Monday at 10am
- Feeding your daughter lunch everyday
- Going on a walk on Thursday at 2pm
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It costs $300 per month for your kid to be a trust fund baby if you start early.
Here's the hack all smart families use:
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The disciplined man is the most dangerous man 🤐 🔒
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McDonald's just opened its first fully automated restaurant in North Texas.
I am going to test it out and share my review.
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Retirement age is 65.
Life expectancy is 78.
Work 50 years to enjoy life for a few years?
We have to shift this mindset ASAP.
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I became a millionaire by 30 by investing in index funds/ETFs.
But there are 2,952 to choose from.
Here are 10 ETFS that can make you a millionaire:
*doesn’t include 2022*
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Just OFFICIALLY hit my goal of Millionaire by 30!! 🎉 🎈🎊
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Retirement age is 65.
Life expectancy is 78.
Work 50 years to enjoy life for a few years?
We have to shift this mindset ASAP.
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I'm 32.
I own $2,600,000 in assets.
Last month they made me $81,495.
Here's exactly how I invest my money without paying a financial advisor...
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If my daughter never invests a single dollar, she'll have $3,184,873 by the time she's 50.
Here's how we invested for her 💰
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I’m 31.
I paid for my home in cash.
I’ve hit a $1,000,000 net worth.
My family is 3, going on 4.
Here are the 15 biggest lessons I’ve learned along the way:
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1 week before Logan was born, I quit my $96k/yr job at Deloitte.
Why?
They didn't want me posting the truth about the financial services industry on Instagram.
Now that another one is on the way, it's time to expose 10 more secrets:
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I just went private.
Like this if you can see it.
Trying to see something.
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Getting a haircut and my girl told me she was stressing about her $150 car payment she had to make by Saturday.
Was working OT.
Added it to the tip at the end.
She had the biggest smile on her face and some tears.
This IS financial freedom 💯
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Only ~3% of men are over 6 feet tall and make $100k.
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High income earners losing almost half to taxes doesn’t sit right with me
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Hit a pretty big goal today in my Vanguard account! 🎉
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A big tax refund just means you have no idea what you are doing.
I wouldn’t brag about that.
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I became a millionaire by 30.
7 years ago I had a negative net worth.
Here are 9 decisions that made me rich. 🧵
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BIG ANNOUNCEMENT 🎉🎈
My wife just quit her job and we bought a house in Texas!
We’re moving across the country to be at the first comprehensive care center for Dravet syndrome!
All of this is done for Logan’s health :)
This IS what financial freedom is all about!
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401ks and Roth IRAs will make you a millionaire in your 60's...
But if you want to build wealth in your 30's you need a different strategy.
Here's the blueprint to building a $3M+ net worth while you're young:
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This picture right here is the easiest way to destroy your wealth.
Let me explain...
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When I paid off my mortgage my credit dropped by 115 points.
Today, I finally hit 800 again.
Here's everything I've learned about maximizing credit in my 10 year career:
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My daughter is set up to be a millionaire by the time she’s 30 - she’s not even 3 and is worth $22,855 already.
But the real challenge is keeping her a millionaire.
That’s why I’m teaching her these finance principles:
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2023 investment account limits👇🏼
- HSA: $3,850
- FSA: $3,500
- IRA: $6,500
- Simple IRA: $15,000
- 401k: $22,500
- SEP IRA: $67,000
Start planning today! 💥
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I became a Millionaire by 30.
I watch Netflix.
I don’t wake up at 3 am.
I don’t take cold showers.
I don’t have some weird daily ritual.
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117 bankrupted > two businesses
84 arrested for drunk driving
71 can’t get a credit card (bad credit)
36 accused of spousal abuse.
19 accused of bad checks.
14 arrested for drug related charges.
8 arrested for shoplifting.
7 arrested for fraud.
3 arrested for assault.…
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If more people realized...
$100/mo turns into $44,940
$250/mo turns into $112,350
$500/mo turns into $224,701
They would be investing in their kids future from the day they're born.
More families need to know this 💯
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Step 1: Account Structure
Every kid needs 3 accounts...
-> Parent Taxable Brokerage
(access money before 65)
-> Custodial Roth IRA
(tax free growth)
-> 529 Plan
(college planning)
These three accounts gives your kids unlimited options.
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80% of all US dollars in existence were printed from January 2020 to October 2021.
People recieved $1,400…
Many were excited.
This tells me how much financial education is needed.
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What's a Roth IRA?
A Roth IRA is an "Individual Retirement Account."
Unlike a 401(k) where your employer provides it for you, you must open this account yourself.
My favorite brokers to open a Roth IRA with are:
- Fidelity
- Vanguard
- Charles Schwab
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2024 can be the best year of your financial life.
All it takes is setting the right goals.
Here are 7 financial goals you should set to double your net worth in 2024:
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Making $150,000 is now considered lower middle class in parts of this country and it's only going to get worse...
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Five steps to get a full burrito for half the price at Chipotle 🧵
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HSA’s are THE best tax advantaged account out there.
But only 9.6% of Americans own one and only a fraction invest in them.
Here’s everything you need to know about the HSA:
(and why it beats a 401(k) and Roth IRA)
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HSA’s are THE best tax advantaged account out there.
But only 9.6% of Americans own one and only a fraction invest in them.
Here’s everything you need to know about the HSA:
(and why it beats a 401(k) and Roth IRA)
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Logan is going to have a sister! 😁😁😁
September 20!!
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Welcome, Logan Lee Schlagbaum!!!
We are OFFICIALLY parents!
EST. 9.4.2021. 🥰🥰
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A few greats I would love to meet for their business wisdom:
1. Lil Baby (
@lilbaby4PF
)
2. Warren Buffett
3. Mark Cuban (
@mcuban
)
4. Daymond John (
@TheSharkDaymond
)
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Social media has normalized...
$3,000 a month on rent
$1,500 a month on cars
$2,000 a month on entertainment
No wonder this generation is having a hard time getting ahead 🤦🏻♂️
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I just quit my job to pursue Budgetdog full time!! 🎉 🎊
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I went from $304,000 in debt to a Millionaire in 7 years by investing.
But there's 8,754 to choose from.
Here are 10 ETF's that can make YOU a Millionaire:
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I want you to remember you weren’t meant to sit at a desk for 40 hours per week.
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Roth IRA’s can make you a tax-free millionaire.
But not everyone can have one.
If this applies to you, here’s a loophole to get around it:
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A $600,000 home at 3.0% = $2,276
A $600,000 home at 6.3% = $3,342
Monthly payment difference = $1,066
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In 2025, you’re going to be so mad you didn’t invest right now
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Cash is trash.
YTD results:
- Nasdaq: 52.79%
- S&P 500: 23.61%
- Your HYSA: 4.75%
If you're holding cash right now, you're going nowhere quick.
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Breakfast cost you $2.36 today.
$2.36 invested over 40 years will grow to $126.73.
Don’t eat today.
You have to sacrifice to build wealth.
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Ellie Gray has arrived!
Logan Lee has a new sister 💜
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I’d pay for a nanny before a BMW.
I’d pay for a cook before a new home.
I’d pay for a landscaper before fancy clothes.
Wealthy people don’t buy stuff.
They buy back their time. 💴
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Only thing better than a fresh cut yard…
A fresh cut yard on a paid off home 🎯
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If I wanted to buy a home in the next 365 days this is exactly what I would do (from an Ex-Deloitte employee):
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Poor people think money exists to pay bills.
They work for someone Monday through Friday.
They exchange their time for money.
Then they give it to someone else.
——————————————————
Middle class people think money exists to build credit.
They are often excited about an 800…
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Just dropped off my wife’s company car.
She is OFFICIALLY FREE from her 9-5.
This is financial freedom!
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It is official! 🎉 🎈
Baby number two will be here September 20!
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If you make $100,000 or more...
There's '08 level opportunities.
They're right in front of us.
Here's how you can double down and buy assets for 30-50% off in 2024:
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I invested $30,000 this month.
I also drive a $10,000 paid off car.
Stuff does NOT tell you who is wealthy.
Remember that. 💯
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I paid off my mortgage…
And my credit dropped.
I paid off my student loans…
And my credit dropped.
The credit system doesn��t work for you so here’s how you can hack their system:
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I bet the S&P 500 will beat your complicated investment strategy.
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I’ve worked in finance for over a decade.
Here are 5 reasons why most people should invest in 100% index funds:
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You lose a lot of friends when you get serious about your life and goals
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A 401k is one of the easiest ways to become a millionaire.
80% of millionaires have one.
Here’s everything you need to know about the 401k:
(and why you need one)
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If you died today…
Your employer would advertise for your position tomorrow.
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I went from $304,000 in debt to a millionaire by 30 in 7 years.
If you want to be a millionaire by 30, read this:
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There's no reason why you shouldn't have at least $10,000 saved...
Especially if you make 6-figures.
Stop what you're doing and follow 6-month roadmap to save more:
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Step 3: Contributions
This is where kids get rich.
Assuming you start when they're born...
Every $100/mo turns into 👇🏼
-> $45,000 by 18
-> $135,000 by 30
-> $2,200,000 by 65
For the cost of what most of you spend on one night out you can pass down a million dollar legacy.
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People think getting rich is hard…
We became Millionaires by 30 by keeping things simple.
($304K in debt to millionaires in 7 years)
Here are 9 things we did to become Millionaires:
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Some people die with $10M and 6 people at their funeral…
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Nancy Pelosi is worth $290M.
Her salary is around $223k.
Sounds about right.
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Starting today, I will be doing 30 days of:
- No alcohol
- No fast food
- No sugar
- No processed food
- No fried food
How you do one thing is how you do everything 💯
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I followed the American Dream…
- Went to school
- Became a CPA
- Got a good job
- Bought a house
The result: The dreadful 9 to 5 grind with $304K in debt.
Here are the 8 things I did to change it:
(And became a millionaire by 30)
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Target has a 20% sale
*Everyone rushes to Target*
Best Buy has a 20% sale
*Everyone rushes to Best Buy*
The stock market has a 20% sale
*Everyone runs away from the stock market*
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I don’t understand why married couples wouldn’t combine their finances.
Seems like a bigger issue than money…
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$25,000 invested annually.
10% nominal returns.
2% all in fee.
30 years.
Yikes.
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My wife and I got coffee today.
$15.59 lol
Kind of absurd tbh.
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Don't buy your kids Jordans.
Don't buy your kids a new iPad.
Don't buy your kids an iPhone.
Here's how you're going to set your kid up for life without spending more than $500 a month...
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Losers focus on winners.
Winners focus on winning.
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Them:
"I'll just make more money"
Also Them:
$35 Postmates
$700 Car Payment
$3,200 Rent Payment
$1,200 Food & Entertainment
The only way to truly get ahead in this economy is this simple formula...
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I’m 32.
I am debt free.
I am self-made millionaire.
I have no emergency fund…
Here’s what we do instead:
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Investing is boring…until you are wealthy.
Routine is boring…until you are successful.
Eating healthy is boring…until you are fit.
Consistent, boring actions are how you win BIG long term.
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If you have a friend with a small business, pay full price.
Don’t ask for a discount.
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How to become a tax-free millionaire:
- $500/month in a Roth IRA for 31 years. (2022)
- $540/month in a Roth IRA for 30 years. (2023)
That's ~$1.1 million dollars tax-free.
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Imagine having crypto as your only hope for “wealth” 😂😂
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So Logan just started walking today!
This was a BIG hurdle and will continue to be with Dravet syndrome!
She will overcome anything 💪🏼
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My barber had a stroke late last night.
Went to bed at 5am.
Had to wake up at 6am.
The company forced her to show up until 2pm…
Financial freedom has to be our priority.
They don’t care about us.
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175 days seizure free! 💜
I honestly can’t say we would have been in a position to make this happen without taking our money seriously at an early age.
Helping others achieve financial freedom is personal to me.
You never know what life will hand you.
Make sure you control…
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15 days ago I hit $1,000,000 invested in my brokerage.
Today I woke up making my old yearly salary without having to lift a finger.
That's the power of investing 🥂
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Logan is turning 2.
By the time she's 18 she'll have $337,052 without lifting a finger.
Here's every account, investment, and strategy we're using for her:
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I’ve never met a Millionaire with credit card debt.
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My Bank has called me monthly since paying off my home.
They want to “check on me.”
But the past 10 years when I had debt, they were not interested in “checking in on me” because I was paying them.
🐍🐍🐍🐍
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YOU are the reason you are NOT where you want to be
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