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[@Budgetdog_](/creator/twitter/Budgetdog_)
"Nobody can afford a home. Interest rates are too high. Inventory is still extremely low. Here's your guide to winning the housing market in 2025:"  
[X Link](https://x.com/Budgetdog_/status/1978843129861071309) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-16T15:19Z 164.2K followers, 9774 engagements


"$VT (global market exposure) $VTI (total US exposure) $VXUS (international exposure) $VWO (high growth & volatility) $BND (gold standard for bonds) $VYM (high dividend yield) $VNQ (real estate exposure) $QQQM (mega cap tech growth)"  
[X Link](https://x.com/Budgetdog_/status/1979206524422521314) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-17T15:23Z 164.2K followers, 1650 engagements


"I made $80439 from $VTI This is Vanguard's total US stock ETF for a piece of every American company. It went up XXX% last month"  
[X Link](https://x.com/Budgetdog_/status/1976698010261422116) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-10T17:15Z 164.2K followers, 2473 engagements


"2. Open Accounts For Each Goal - Retirement (401k IRA Roth IRA) - Short Term Goals (HYSA) - Mid Term Goals (Brokerage) - Education (529 Plan) - Health (HSA) This keeps you honest. And stops you from raiding one goal to fund another"  
[X Link](https://x.com/Budgetdog_/status/1979206512187773346) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-17T15:22Z 164.2K followers, 2069 engagements


"5. Find ETF's To Match Allocation These are some of my favorites 👇🏼:"  
[X Link](https://x.com/Budgetdog_/status/1979206522140791171) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-17T15:23Z 164.2K followers, 1369 engagements


"The only problem Most people won't do this because there's no accountability. They'll keep swiping. Reading more info they won't use. And wonder why they're not ahead. But if you *actually* want to get started"  
[X Link](https://x.com/Budgetdog_/status/1979206530651075060) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-17T15:23Z 164.2K followers, 2376 engagements


"Being likeable will make you the most money. Nothing else comes close"  
[X Link](https://x.com/Budgetdog_/status/1976353561308270908) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-09T18:26Z 164.2K followers, 5891 engagements


"I paid $2000 in property taxes. Even though my home is an asset. I technically lost money on it this month. But that's a SMALL price to pay to save me from the crazy rent prices these days"  
[X Link](https://x.com/Budgetdog_/status/1976698018402369862) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-10T17:15Z 164.2K followers, 1975 engagements


"None of this is to brag. I just hate it when people say it's "impossible" to build wealth in 2025. All of my family's success came from an automated strategy we set up XX years ago. We never worry about investing or budgeting. Because our system does it for us"  
[X Link](https://x.com/Budgetdog_/status/1976698020197548414) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-10T17:15Z 164.2K followers, 1923 engagements


"A 2024 Wells Fargo study found just XX% of people earning $150000 or more feel comfortable discussing their financial situation openly"  
[X Link](https://x.com/Budgetdog_/status/1977161580350783511) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-11T23:57Z 164.2K followers, 5291 engagements


"Satoshi is the CIA"  
[X Link](https://x.com/Budgetdog_/status/1978184318770946237) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-14T19:41Z 164.2K followers, 6869 engagements


"Never met a wealthy individual that was an is it free kind of person. They always pay because they understand the basic concept of value. And its precisely why they are wealthy and the is it free person isnt. The quicker you understand this the faster you become wealthy"  
[X Link](https://x.com/Budgetdog_/status/1978536347964215627) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-15T18:59Z 164.2K followers, 6550 engagements


"Our new BD CPA FIRM is officially booked out 🎉 Time to provide an unmatched experience for all of our clients (as always) 😃 The old stale CPA firms never have provided what you need. They are simply transactional. We changed the game of personal finance and we are about to change the game of tax. This is going to get fun We will be calling our waitlist for 2026 when we open capacity 👊🏼"  
[X Link](https://x.com/Budgetdog_/status/1978630599066648610) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-16T01:14Z 164.2K followers, 3905 engagements


"This market isn't easy. You'll likely be buying less home than you'd expect with your budget. But with the right strategies Even an "unaffordable" home can be reasonable"  
[X Link](https://x.com/Budgetdog_/status/1978843148936794528) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-16T15:19Z 164.2K followers, 1593 engagements


"I hope this helps you win in the housing market Share it with someone who could use it. And follow me for more 🤝🏼"  
[X Link](https://x.com/Budgetdog_/status/1978843152363446499) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-16T15:19Z 164.2K followers, 1580 engagements


"Your inputs determine your outputs"  
[X Link](https://x.com/Budgetdog_/status/1978850591309778987) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-16T15:48Z 164.2K followers, 3321 engagements


"Let's say you invest $2k/mo. At average returns you'll have: Year 1: $25680 Year 5: $153247 Year 10: $384383 Year 25: $2212454 No market timing required 😉"  
[X Link](https://x.com/Budgetdog_/status/1979206528621048227) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-17T15:23Z 164.2K followers, 1060 engagements


"Every dollar you spend escaping life. Is a dollar you can't spend on anything else. Retirement. Trips. Nothing. If you blow $XX a day on Doordash. XX% of your quality of life goes to a plastic bag with your name on it"  
[X Link](https://x.com/Budgetdog_/status/1961573536813776898) [@Budgetdog_](/creator/x/Budgetdog_) 2025-08-29T23:35Z 164.2K followers, 1198 engagements


"That SAME money could: - Pay off your debt - Make your kid a millionaire (529 + Custodial IRA) - Turn into REAL wealth ($716k in XX years 👀) Instead of helping you escape life. It can build a future you love"  
[X Link](https://x.com/Budgetdog_/status/1961573538550206686) [@Budgetdog_](/creator/x/Budgetdog_) 2025-08-29T23:35Z 164.2K followers, 1100 engagements


"Healthcare is out of control. But there's a little known loophole to profit from the system. Here's how to turn your medical bills into a $1.2M tax free retirement:"  
[X Link](https://x.com/Budgetdog_/status/1980016306578399512) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-19T21:00Z 164.2K followers, 15.4K engagements


"Common HSA mistakes to avoid: ❌ Not investing contributions ❌ Not tracking receipts properly ❌ Missing out because "you're healthy" ❌ Withdrawing unqualified expenses before XX ❌ Forgetting employer contributions count against your limit"  
[X Link](https://x.com/Budgetdog_/status/1980016319316517293) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-19T21:00Z 164.2K followers, XXX engagements


"4. Investments We keep these super simple: XX% $VTI (US Markets) XX% $VXUS (International) No crypto. No individual stocks. No timing. Just the same boring ETFs I use in my portfolio"  
[X Link](https://x.com/Budgetdog_/status/1963621706381070698) [@Budgetdog_](/creator/x/Budgetdog_) 2025-09-04T15:14Z 164.2K followers, 11.8K engagements


"$VXUS is up XX% YTD 👀"  
[X Link](https://x.com/Budgetdog_/status/1974573700063100936) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-04T20:33Z 164.2K followers, 4928 engagements


"4. Zero Based Budgeting I always sucked at budgeting. Until I tried this: - List out your income - Subtract every expense - Invest / pay debt with the remainder I gave every dollar a job. So I couldn't make excuses"  
[X Link](https://x.com/Budgetdog_/status/1975308814334452132) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-06T21:14Z 164.2K followers, XXX engagements


"5. Simple Investing Here's exactly how I invested: - Opened a brokerage - Auto invested weekly - Bought $VTI & $VXUS - Turned on dividend reinvestment It only took XX min to set up. And my first investment was $115"  
[X Link](https://x.com/Budgetdog_/status/1975308816284852335) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-06T21:14Z 164.2K followers, XXX engagements


"CPA explains. How to get rich quick: (without crypto trading or anything illegal)"  
[X Link](https://x.com/Budgetdog_/status/1976300281374662717) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-09T14:54Z 164.2K followers, 12K engagements


"4. Invest your money in order: - 401k (up to match) - Max Roth IRA (7000/year) - Max 401k ($23500/year) Whatever's left can go to a Taxable Brokerage"  
[X Link](https://x.com/Budgetdog_/status/1976300288320397482) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-09T14:54Z 164.2K followers, XXX engagements


"5. Invest simply: - Choose 1-5 low cost ETF's - Set up automatic investments - Turn on dividend reinvestment (I like $VTI $VWO & $VXUS)"  
[X Link](https://x.com/Budgetdog_/status/1976300290254033275) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-09T14:54Z 164.2K followers, XXX engagements


"I made $19554 from $VXUS & $VWO I keep XX% in these to diversify my risk from the US. They track emerging markets like Brazil & Japan. Along with a small stake in the rest of the world. They returned about XXX% last month"  
[X Link](https://x.com/Budgetdog_/status/1976698012404691296) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-10T17:15Z 164.2K followers, 2449 engagements


"This only takes X minutes. But depending on when your data was stolen. You can make: - $2500 (July) - $5000 (March) - $7500 (Both) Just be sure to file by the deadline. (November XX 2025)"  
[X Link](https://x.com/Budgetdog_/status/1978225304838574218) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-14T22:24Z 164.2K followers, 3680 engagements


"Protect Yourself: Your info is STILL on the dark web. So take XX extra minutes to be safe 👇🏻 1) Check Your Credit - Go to - Request reports from Equifax Experian & TransUnion"  
[X Link](https://x.com/Budgetdog_/status/1978225306575003796) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-14T22:24Z 164.2K followers, 2848 engagements


"5. Invested In "Boring" ETFs XX% of financial advisors can't beat a simple index fund. So why mess with success Erin and I chose X low cost ETFs. $VTI $VWO $VXUS And averaged XXXX% yearly returns since 🤯"  
[X Link](https://x.com/Budgetdog_/status/1958248561830990302) [@Budgetdog_](/creator/x/Budgetdog_) 2025-08-20T19:23Z 164.2K followers, 2728 engagements


"After running my new detox protocol I can confidently say this: Most people underestimate what true detox actually feels like. Its not just physicalits mental emotional and cellular. The scary thing is I was very health focused before Ive never felt this clear focused and strong. Highly recommend everyone experience this level of reset. Its life changing"  
[X Link](https://x.com/Budgetdog_/status/1977927585087500522) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-14T02:40Z 164.2K followers, 10.4K engagements


"Charles Schwab surveyed 1200 affluent households and found that XX% admitted to "chasing advanced strategies" before they had maximized their basic tax-advantaged savings. This cost them an average of $19000 annually in lost tax efficiency. Definition of Money Twitter lol"  
[X Link](https://x.com/Budgetdog_/status/1978177785001631957) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-14T19:15Z 164.2K followers, 5875 engagements


"For context. AT&T had two massive breaches: ❌ Passcodes ❌ Phone numbers ❌ Name and birthday ❌ Social security numbers XX MILLION customers were exposed to the dark web. And AT&T owes $177M in damages. Here's how to get your share:"  
[X Link](https://x.com/Budgetdog_/status/1978225299490758869) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-14T22:23Z 164.2K followers, 4648 engagements


"1. Define Your Goal(s) Start with setting SMART financial goals: S: Specific M: Measurable A: Actionable R: Relevant T: Time bound "I want to be rich" is just a wish. "I want to hit a $2.2M net worth in the next XX years" is a target"  
[X Link](https://x.com/Budgetdog_/status/1979206510002491577) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-17T15:22Z 164.2K followers, 2108 engagements


"3. Take Risk Profile Quizzes Everyone "knows" their risk tolerance. Until the market takes a dive. So before you commit to investing "safely" or "aggressively". Use this tool to find out what you can stomach👇🏻"  
[X Link](https://x.com/Budgetdog_/status/1979206514859442654) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-17T15:22Z 164.2K followers, 1927 engagements


"4. Define Your Allocation Once you determine your risk profile. Get concrete with percentages: What % do you want in stocks What % do you want in bonds What % do you want in cash Complete this step for each goal /account"  
[X Link](https://x.com/Budgetdog_/status/1979206517241884972) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-17T15:23Z 164.2K followers, 1696 engagements


"@judsonmorgan Whats your solution"  
[X Link](https://x.com/Budgetdog_/status/1979664182900564006) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-18T21:41Z 164.2K followers, XXX engagements


"I was buying $VTI at $XX I was buying $META at $XX I was buying Bitcoin at $15000 Family told me it was a bad idea. Colleagues told me it was a bad idea. Social media told me it was a bad idea. News headlines told me it was a bad idea. If you listen to the crowd youll live like the crowd. If you want to be wealthy you have to think like the wealthy"  
[X Link](https://x.com/Budgetdog_/status/1955766215869136969) [@Budgetdog_](/creator/x/Budgetdog_) 2025-08-13T22:59Z 164.2K followers, 25.9K engagements


"1 week before my daughter was born I quit my $96k/yr job at Deloitte. Why They didn't want me telling the truth about finance on Instagram. Here are XX "industry secrets" no one talks about:"  
[X Link](https://x.com/Budgetdog_/status/1961095218796622217) [@Budgetdog_](/creator/x/Budgetdog_) 2025-08-28T15:55Z 164.2K followers, 280.7K engagements


"I'm XX. I own $4800000 in assets. Last month they made me $107024 Here's exactly how I invest my money without paying a financial advisor:"  
[X Link](https://x.com/Budgetdog_/status/1976698007908225385) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-10T17:15Z 164.2K followers, 25.6K engagements


"🚨BREAKING🚨 AT&T leaks 73M private accounts. Customers owed up to $7500 each. Here's how to get your money before it's too late:"  
[X Link](https://x.com/Budgetdog_/status/1978225297079075307) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-14T22:23Z 164.2K followers, 46.9K engagements


"Accelerated Payoff: XX. Front Loading Pay more principal early when interest portion is highest XX. (Maybe) Refinance But only if rates drop X% Otherwise closing costs outweigh benefits"  
[X Link](https://x.com/Budgetdog_/status/1978843143144362364) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-16T15:19Z 164.2K followers, XXX engagements


"Guide To Seller Credits: Use these in place of price reduction: X Seller Credit = X% of purchase price X Credit = .25% drop in interest rate X Credits = X% reduction in interest rate Going from a X% to X% rate on a $500000 home saves you $94683"  
[X Link](https://x.com/Budgetdog_/status/1978843145350627532) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-16T15:19Z 164.2K followers, XXX engagements


"The American Psychological Association confirmed people who pick strategies that feel comfortable stick with them XX% longer. They reach their goals more often than people who pick "perfect" but stressful plans"  
[X Link](https://x.com/Budgetdog_/status/1979256172617093410) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-17T18:40Z 164.2K followers, 3414 engagements


"Money stress doesnt just ruin days. It ruins marriages families and sometimes lives. Ive had people tell me they considered ending it all because of debt. Thats why I take this work seriously. Getting your money right could save more than your future. It could save your life"  
[X Link](https://x.com/Budgetdog_/status/1979531710141202912) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-18T12:55Z 164.2K followers, 6396 engagements


"The S&P XXX the past X years: 2020:🟢 XX% 2021: 🟢 XX% 2022:🔴 XX% 2023:🟢 XX% 2024:🟢 XX% and people are worried the market dropped X% from XX% to XX% If you have that much worry from that small of a dip work with a Financial Advisor asap. Youre primed to get smoked when real life happens"  
[X Link](https://x.com/Budgetdog_/status/1979617605842616599) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-18T18:36Z 164.2K followers, 17.7K engagements


"@luke_broyles Assuming XX% annualized long term is wild work. YTD we are sitting at 14%"  
[X Link](https://x.com/Budgetdog_/status/1979666093456388155) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-18T21:49Z 164.2K followers, 10.1K engagements


"Setting one up takes XX minutes: - Confirm HDHP eligibility - Open HSA (I like Fidelity) - Set investments (I like $FZROX) - Track receipts in a spreadsheet That's all you need"  
[X Link](https://x.com/Budgetdog_/status/1980016321958953332) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-19T21:00Z 164.2K followers, 2652 engagements


"If your car payment is more than your monthly investments you need help"  
[X Link](https://x.com/Budgetdog_/status/1980066219639099795) [@Budgetdog_](/creator/x/Budgetdog_) 2025-10-20T00:19Z 164.2K followers, 11.3K engagements