# ![@Budgetdog_ Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::342811359.png) @Budgetdog_ Brennan Schlagbaum, CPA

Brennan Schlagbaum, CPA posts on X about if you, money, $100k, bitcoin the most. They currently have [-------] followers and [---] posts still getting attention that total [------] engagements in the last [--] hours.

### Engagements: [------] [#](/creator/twitter::342811359/interactions)
![Engagements Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::342811359/c:line/m:interactions.svg)

- [--] Week [-------] -72%
- [--] Month [---------] -26%
- [--] Months [----------] +196%
- [--] Year [----------] -27%

### Mentions: [--] [#](/creator/twitter::342811359/posts_active)
![Mentions Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::342811359/c:line/m:posts_active.svg)

- [--] Week [---] -6.90%
- [--] Month [---] +1.20%
- [--] Months [-----] +76%
- [--] Year [-----] +4.80%

### Followers: [-------] [#](/creator/twitter::342811359/followers)
![Followers Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::342811359/c:line/m:followers.svg)

- [--] Week [-------] +0.01%
- [--] Month [-------] +1.60%
- [--] Months [-------] +11%
- [--] Year [-------] +17%

### CreatorRank: [-------] [#](/creator/twitter::342811359/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::342811359/c:line/m:influencer_rank.svg)

### Social Influence

**Social category influence**
[finance](/list/finance)  43.09% [cryptocurrencies](/list/cryptocurrencies)  4.88% [stocks](/list/stocks)  4.88% [technology brands](/list/technology-brands)  3.25% [automotive brands](/list/automotive-brands)  2.44% [luxury brands](/list/luxury-brands)  1.63% [social networks](/list/social-networks)  1.63% [financial services](/list/financial-services)  1.63% [fashion brands](/list/fashion-brands)  0.81% [travel destinations](/list/travel-destinations)  0.81%

**Social topic influence**
[if you](/topic/if-you) 10.57%, [money](/topic/money) 8.13%, [$100k](/topic/$100k) #294, [bitcoin](/topic/bitcoin) #6808, [insurance](/topic/insurance) #788, [investment](/topic/investment) #4284, [top 10](/topic/top-10) 4.07%, [how to](/topic/how-to) 3.25%, [up to](/topic/up-to) 3.25%, [$vti](/topic/$vti) #29

**Top accounts mentioned or mentioned by**
[@guytalksfinance](/creator/undefined) [@lindsaybitcoin](/creator/undefined) [@investingaddict](/creator/undefined) [@garrxttt](/creator/undefined) [@scott73187192](/creator/undefined) [@kalshi](/creator/undefined) [@themojomindset](/creator/undefined) [@savvyabuela](/creator/undefined) [@noorfiaryjoe776](/creator/undefined) [@kdan1186](/creator/undefined) [@daman4545](/creator/undefined) [@samuelf97727234](/creator/undefined) [@edwardxlreal](/creator/undefined) [@alexslezak](/creator/undefined) [@naijabudgetbro](/creator/undefined) [@kcdanyoung](/creator/undefined) [@realmarkwygant](/creator/undefined) [@realtystacker](/creator/undefined) [@btcoptioneer](/creator/undefined) [@grok](/creator/undefined)

**Top assets mentioned**
[Bitcoin (BTC)](/topic/bitcoin) [Microsoft Corp. (MSFT)](/topic/microsoft) [Meta Platforms, Inc. (META)](/topic/meta-platforms) [Eli Lilly and Company (LLY)](/topic/eli-lilly) [Tesla, Inc. (TSLA)](/topic/tesla) [Berkshire Hathaway Inc. (BRK.A)](/topic/berkshire-hathaway) [Noble Corporation (NE)](/topic/$ne)
### Top Social Posts
Top posts by engagements in the last [--] hours

"If you die without a plan. - The government takes 40% in tax - Probate court costs $100k+ - Your kids get the scraps If you love your family here's every document you need to protect them: (from a CPA & father of two)"  
[X Link](https://x.com/Budgetdog_/status/1990809208011255880)  2025-11-18T15:47Z 179.7K followers, 1.5M engagements


"On Finances. [--]. How to budget [--]. Opening a brokerage [--]. What brokerage is the best [--]. 401k vs Roth IRA vs 403b [--]. Term life insurance [--]. The cost of healthcare [--]. How to negotiate small bills [--]. How interest rates impact you [--]. Amortization schedules [--]. Liabilities Vs Assets"  
[X Link](https://x.com/Budgetdog_/status/2022345692337799442)  2026-02-13T16:22Z 179.7K followers, [----] engagements


"I had a nightmare I had to work at my W-2 again (Deloitte) I had a boss I had a commute I had to work to live I had limited time off I had a schedule other people controlled Financial freedom feels good this morning"  
[X Link](https://x.com/Budgetdog_/status/2022684758434787826)  2026-02-14T14:50Z 179.7K followers, 14.9K engagements


"On Taxes. [--]. Write off vs tax credit [--]. W2 tax deductions [--]. [----] & LLC deductions [--]. Depreciation [--]. Itemized deductioins [--]. IRS Audits [--]. [----] Exchange [--]. Self-filing [--]. Tax deferral [--]. Taxable vs non taxable income"  
[X Link](https://x.com/Budgetdog_/status/2022345694007513390)  2026-02-13T16:22Z 179.7K followers, [----] engagements


"Raising taxes on the wealthy doesnt create prosperity for anyone. It pushes capital talent and jobs somewhere else. If your grocery store suddenly raised prices 50% you wouldnt like it. Youd leave. Intentions may be noble. But incentives are what actually run the world"  
[X Link](https://x.com/Budgetdog_/status/2022420272926863681)  2026-02-13T21:19Z 179.7K followers, [----] engagements


"Toy for weekend 😈"  
[X Link](https://x.com/Budgetdog_/status/2022720720804155485)  2026-02-14T17:12Z 179.7K followers, [----] engagements


"@lindsaybitcoin Doubt it still lol. Hopefully"  
[X Link](https://x.com/Budgetdog_/status/2022754591050551704)  2026-02-14T19:27Z 179.7K followers, [---] engagements


"Heres how the next inevitable 3050% market drop will play out: [--] Most will panic and act irrationally [--] Most will sell at or near the bottom [--] Most will say this time is different [--] Most will abandon their long-term plan [--] Most will mock those who stay invested [--] Most will suddenly care about markets out of fear not strategy [--] Most will justify emotional decisions with hindsight logic [--] Most will wait for certainty before re-entering and miss the recovery This cycle is predictable. As always most will get poorer. The disciplined will get richer. Bookmark this"  
[X Link](https://x.com/Budgetdog_/status/1999905062567772492)  2025-12-13T18:11Z 179.7K followers, 34.5K engagements


"Im the first wholecoiner in my family. Hope it pays off one day"  
[X Link](https://x.com/Budgetdog_/status/2004922156153799094)  2025-12-27T14:27Z 179.7K followers, 52.7K engagements


"2. Glasses / Luxury Luxottica owns: Ray-Ban Oakley Chanel Prada Versace Coach Ralph Lauren Armani Persol Michael Kors Lenscrafters Sunglass Hut That's 80% of ALL eyewear. But sure it's not a monopoly 🙄"  
[X Link](https://x.com/Budgetdog_/status/2011506916510613941)  2026-01-14T18:33Z 179.7K followers, [---] engagements


"@GlobalWatchClub What watch brand would be Rolls Royce"  
[X Link](https://x.com/Budgetdog_/status/2014077263168360615)  2026-01-21T20:46Z 179.7K followers, 12.6K engagements


"This is your competition"  
[X Link](https://x.com/Budgetdog_/status/2014114063299584137)  2026-01-21T23:13Z 179.7K followers, 1.8M engagements


"Married couples in [----] can. - Withdraw $131k from investments - Pay $0 in federal taxes - Without a financial advisor Here's exactly how:"  
[X Link](https://x.com/Budgetdog_/status/2014151511891210558)  2026-01-22T01:41Z 179.7K followers, 1.3M engagements


"Over a 40-year career a middle-class family can pay $1$2 million in lifetime taxes. Im not a genius but Id venture to say itd be wise to work with a Tax Strategist"  
[X Link](https://x.com/Budgetdog_/status/2014383485008425375)  2026-01-22T17:03Z 179.7K followers, 13.8K engagements


"If you don't understand taxes. You'll spend a third of your life working for free. Here's [--] steps to (legally) avoid 30%+ of taxes: (from a former Deloitte CPA)"  
[X Link](https://x.com/Budgetdog_/status/2015241322513236205)  2026-01-25T01:52Z 179.7K followers, 346.6K engagements


"Dishwashers have to be the literal worst appliance in a house. Weve lived in three homes. Every house has had dishwasher issues"  
[X Link](https://x.com/Budgetdog_/status/2015603615033851974)  2026-01-26T01:52Z 179.7K followers, 22.5K engagements


"How billionaires (legally) evade their taxes:"  
[X Link](https://x.com/Budgetdog_/status/2016582378257252694)  2026-01-28T18:41Z 179.7K followers, 12.8K engagements


"The 401k can make you a stress free millionaire. But most people are using it wrong. Here's everything you need to know about the 401k: (and how it can make you rich)"  
[X Link](https://x.com/Budgetdog_/status/2016890201121968165)  2026-01-29T15:04Z 179.7K followers, 237K engagements


"401k Best Practices: ✅ All costs are transparent ✅ Expense ratios are 0.2% or lower ✅ Investment options are solid Plan doesn't have those covered Only contribute up to the match"  
[X Link](https://x.com/Budgetdog_/status/2016890210051580134)  2026-01-29T15:04Z 179.7K followers, 23K engagements


"401k Investing Order: 1: Contribute up to your "match" 2: Max out your IRA ($7500 in 2026) 3: Return to your 401k to reach 15% of income 4: Invest in broad market index funds (I like $VTI and $VXUS)"  
[X Link](https://x.com/Budgetdog_/status/2016890211725189309)  2026-01-29T15:04Z 179.7K followers, 23.2K engagements


"Example: Assuming a $100k salary & 3% match. - $3k to get 401k match - $7.5k to max IRA - $4.5k to 401k to hit 15% At 10% average market returns. (standard for the S&P 500) You'd have $1030949 in [--] years 🤯"  
[X Link](https://x.com/Budgetdog_/status/2016890214103261473)  2026-01-29T15:04Z 179.7K followers, 22.1K engagements


"Bonus Hacks: If you withdraw from your 401k before age [--] 1/2. You're subject to a 10% penalty. But if you want to use your 401k to retire early. There are [--] ways to get around it 👉🏻"  
[X Link](https://x.com/Budgetdog_/status/2016890215802028496)  2026-01-29T15:04Z 179.7K followers, 20.5K engagements


"3. "Substantially Equal Periodic Payments" (SEPP): You can withdraw without penalty if you commit to fixed payments. Just be sure to use one of IRS approved methods: - Required Minimum Distribution - Fixed Amortization - Fixed Annuitization"  
[X Link](https://x.com/Budgetdog_/status/2016890223402119271)  2026-01-29T15:04Z 179.7K followers, 15.4K engagements


"Cheat Sheet For 2026: 401k: $24500 Catch-up (50+): $8000 Super catch-up (60-63): $11250 IRA: $7500 IRA catch-up (50+): $1100 Save this slide for later 😉"  
[X Link](https://x.com/Budgetdog_/status/2016890225092350058)  2026-01-29T15:04Z 179.7K followers, 14.9K engagements


"Maxing out two Roth IRAs since they started in 1998: Total contributions: $380k Value today: $4M+ All tax free. But only 6.6% of Americans own one. Here's everything you need to know about the Roth IRA:"  
[X Link](https://x.com/Budgetdog_/status/2017995954620600442)  2026-02-01T16:18Z 179.7K followers, 270.4K engagements


"Overhearing a convo at a coffee shop saying they are going to use a 401k loan to help with their new home. Its taking me everything not to say: DONT DO IT 🤣🤣"  
[X Link](https://x.com/Budgetdog_/status/2018005287391637996)  2026-02-01T16:55Z 179.7K followers, 64.8K engagements


"If youre waiting on Bitcoin to set you free youre already late. People have been calling for $100k Bitcoin since [----]. Its [----] and were sitting around $77k. That alone should tell you something important: no one can predict Bitcoins price. Even fewer people can predict WHEN a certain price will happen. 👉🏼For everyday investors this is the single most important reality in the entire Bitcoin conversation Anyone who speaks in certainties about short or medium term price targets is guessing whether they admit it or not. I own Bitcoin myself but I treat it exactly for what it is right now: a"  
[X Link](https://x.com/Budgetdog_/status/2018316239672652138)  2026-02-02T13:31Z 179.7K followers, 115.5K engagements


"1. Government Shutdown Because of a dispute over ICE funding. The government entered its second shutdown in [--] months. That left 2M+ federal workers in limbo. But it's expected to reopen shortly"  
[X Link](https://x.com/Budgetdog_/status/2018394340742066406)  2026-02-02T18:41Z 179.7K followers, [----] engagements


"2. Gold & Silver Crash Gold hit a record $5.6k on Thursday. But when Trump nominated a new "hawkish" Fed chair - Gold dropped 11% - Silver cratered 31% - Precious metals lost $15T in [--] hours (worth half the US GDP 🤯)"  
[X Link](https://x.com/Budgetdog_/status/2018394342369472551)  2026-02-02T18:41Z 179.7K followers, [----] engagements


"I couldnt imagine checking the stock market daily. Seems exhausting. Theres no data on this as it would have to be self reported but Id bet heavily the more often you check the worse your returns"  
[X Link](https://x.com/Budgetdog_/status/2018899020589248900)  2026-02-04T04:06Z 179.7K followers, 11.9K 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 [--] "industry secrets" no one talks about:"  
[X Link](https://x.com/Budgetdog_/status/2019096009230500201)  2026-02-04T17:09Z 179.7K followers, 331.8K engagements


"1. That 1% fee from wealth advisors steals 20% of your portfolio (lifetime) [--]. Credit card companies made $170B past year in fees alone [--]. You're statistically more likely to climb mount Everest than turn a profit day trading"  
[X Link](https://x.com/Budgetdog_/status/2019096011797573756)  2026-02-04T17:09Z 179.7K followers, 34.7K engagements


"4. The tax code is 7000+ pages of loopholes [--]. 30% of Americans will work until they die [--]. Personal finance isn't complicated. They make it complicated to sell you more stuff"  
[X Link](https://x.com/Budgetdog_/status/2019096013605052602)  2026-02-04T17:09Z 179.7K followers, 33.5K engagements


"7. 66% of bankruptcies come from medical emergencies [--]. Whole life insurance & IULs are the biggest scams in finance [--]. Your 401k could be charging hidden fees up to 2.5%"  
[X Link](https://x.com/Budgetdog_/status/2019096015328911646)  2026-02-04T17:09Z 179.7K followers, 31K engagements


"10. The lottery is a tax on people who can't do math [--]. Sports betting is a tax on people who can't do math [--]. Day trading is a tax on people who can't do math"  
[X Link](https://x.com/Budgetdog_/status/2019096017098994103)  2026-02-04T17:09Z 179.7K followers, 29.7K engagements


"13. Dead investors outperform living ones by 4% annually [--]. Missing the [--] best market days over [--] years cuts your returns by HALF [--]. Americans miss out on $24 BILLION in 401k matches every year"  
[X Link](https://x.com/Budgetdog_/status/2019096019070341605)  2026-02-04T17:09Z 179.7K followers, 39K engagements


"16. Your "free" budgeting app sells your data to banks [--]. Refinancing to a new [--] year mortgage costs $100k+ [--]. The backdoor Roth strategy can make you a tax free millionaire (regardless of income)"  
[X Link](https://x.com/Budgetdog_/status/2019096021100355947)  2026-02-04T17:09Z 179.7K followers, 27.9K engagements


"19. Banks reorder your transactions to maximize overdraft fees [--]. FDIC insurance only has $128 billion to cover $10 trillion in deposits [--]. Your HSA is the best retirement account that no one talks about"  
[X Link](https://x.com/Budgetdog_/status/2019096022908301734)  2026-02-04T17:09Z 179.7K followers, 26.5K engagements


"22. Saving is WAY riskier than investing [--]. The creator of the 401k called it a "monster" he wishes he hadn't created [--]. If nothing changes Social Security will cut benefits by 20% in the next [--] years"  
[X Link](https://x.com/Budgetdog_/status/2019096024724218002)  2026-02-04T17:09Z 179.7K followers, 25.1K engagements


"Being a problem solver allowed me to hit financial freedom at a young age. Being a problem solver also comes with alot of downsides"  
[X Link](https://x.com/Budgetdog_/status/2019147072901902756)  2026-02-04T20:32Z 179.7K followers, [----] engagements


"International is outpacing Domestic this year again 🤷♂ I have been consistent in my message for years regarding the benefit of having true global diversification"  
[X Link](https://x.com/Budgetdog_/status/2019244446454542565)  2026-02-05T02:59Z 179.7K followers, [----] engagements


"Everyone wants to be an entrepreneur until they realize a W-2 job is: One role Inside a machine With SOPs IT HR Sales Controls Marketing Leadership Client Success Decision Making handled by other people. Owning a business = you do all of that first. The vast majority are better off focusing on their W-2. https://twitter.com/i/web/status/2019454053265060278 https://twitter.com/i/web/status/2019454053265060278"  
[X Link](https://x.com/Budgetdog_/status/2019454053265060278)  2026-02-05T16:52Z 179.7K followers, [----] engagements


"@GamaCahaya Clean"  
[X Link](https://x.com/Budgetdog_/status/2019488321093652633)  2026-02-05T19:08Z 179.7K followers, [---] engagements


"Imagine investing your entire savings into some stupid crypto project thinking it would make you rich Imagine This generation is very foolish"  
[X Link](https://x.com/Budgetdog_/status/2019497943766585683)  2026-02-05T19:46Z 179.7K followers, 24.7K engagements


"Youll see investors shift into International now continuing to make the same mistakes over and over again. When will people learn how to win with investing long term 🤷♂ Lost decades during investing are a very real thing From 2000-2012 the S&P500 was flat. 0% gain in [--] years. The Nasdaq [---] didnt break even until [----]. But at the same time international equities were in a bull market. This is why international exposure is a must in a https://t.co/S4ArhTTD44 Lost decades during investing are a very real thing From 2000-2012 the S&P500 was flat. 0% gain in [--] years. The Nasdaq [---] didnt break"  
[X Link](https://x.com/Budgetdog_/status/2019500556474024162)  2026-02-05T19:57Z 179.7K followers, 23.5K engagements


"S&P [---] Total Returns (including dividends): 2023: 26.3% 🟢 2024: 25.0% 🟢 2025: 17.9% 🟢 2026: -0.88% 🔴 Yespeople are panicking today 🤣 Can you imagine when the 30-50% drop occurs"  
[X Link](https://x.com/Budgetdog_/status/2019603793193967906)  2026-02-06T02:47Z 179.7K followers, 107.3K engagements


"No matter how hard it gets Keep going. Your family needs you"  
[X Link](https://x.com/Budgetdog_/status/2019813110711030012)  2026-02-06T16:39Z 179.7K followers, [----] engagements


"Hard truth: If you're in your 30s 40s or 50s. Make $100k $150k or $200k+. And your net worth isn't AT LEAST $500k. You're on track to become a burden. That's hard to hear now. But it's harder to fix at 65"  
[X Link](https://x.com/Budgetdog_/status/2019830650220769550)  2026-02-06T17:48Z 179.7K followers, [---] engagements


"The problem is. Nobody teaches you how to plan for this. Schools don't cover it. Your 401k match won't fix it. And Wall Street makes money so complicated. That doing nothing feels SAFER than doing it wrong"  
[X Link](https://x.com/Budgetdog_/status/2019830652380893236)  2026-02-06T17:48Z 179.7K followers, [---] engagements


"The reason people are broke is because they're more impressed by someone with a $5 million house with a 20% downpayment than a full $5 million in a brokerage account"  
[X Link](https://x.com/Budgetdog_/status/2019859385036497331)  2026-02-06T19:42Z 179.7K followers, 14.3K engagements


"@SMB_Attorney I legitimately forgot it was Friday until I read this 🤣 - enjoy"  
[X Link](https://x.com/Budgetdog_/status/2019910665314697522)  2026-02-06T23:06Z 179.7K followers, [---] engagements


"@InvestingAddict Right Id argue its better to have some beers hang out and socialize than it is to sit home on a Friday night and gamble by yourself 🤣"  
[X Link](https://x.com/Budgetdog_/status/2020123105528627622)  2026-02-07T13:10Z 179.7K followers, [--] engagements


"Ill keep building wealth teach those that want to do the same and continue to add people to the mission. 🤝"  
[X Link](https://x.com/Budgetdog_/status/2020125108581376388)  2026-02-07T13:18Z 179.7K followers, [----] engagements


"Owning assets will make you rich. Very simple game that people overcomplicate"  
[X Link](https://x.com/Budgetdog_/status/2020236935932043576)  2026-02-07T20:43Z 179.7K followers, 16.8K engagements


"You dont need better market timing. You need fewer emotions and more automation"  
[X Link](https://x.com/Budgetdog_/status/2020498720379527431)  2026-02-08T14:03Z 179.7K followers, [----] engagements


"Gross vs Net Income: What you earn vs what you actually take home after taxes. ETF: A bundle of stocks you buy at one price. W-2 vs 1099: Employee income vs self-employed income. W2s are WAY more limited for tax strategy"  
[X Link](https://x.com/Budgetdog_/status/2020546508886610416)  2026-02-08T17:13Z 179.7K followers, [----] engagements


"Employer Match: Free money your company adds when you invest in your 401k. It's literally part of your salary. HYSA: A "High Yield Savings Account." Aim for 4%+ interest to hold your emergency fund. Sinking Fund: Money set aside monthly for future expenses (vacations cars holidays etc.) https://twitter.com/i/web/status/2020546510648152572 https://twitter.com/i/web/status/2020546510648152572"  
[X Link](https://x.com/Budgetdog_/status/2020546510648152572)  2026-02-08T17:13Z 179.7K followers, [----] engagements


"APR: The real yearly cost of borrowing. Liquidity: How fast you can turn something into cash without losing value. Opportunity Cost: What you give up when you spend instead of invest. Eg. a $200/mo habit is actually worth $400k over [--] years"  
[X Link](https://x.com/Budgetdog_/status/2020546512598552578)  2026-02-08T17:13Z 179.7K followers, [----] engagements


"Debt Snowball: Paying off debt from lowest amount to highest. Can be helpful psychologically. Debt Avalanche: Paying off debt from highest interest to lowest. Can save you more on payments. Debt to Income Ratio: How much you owe vs how much you earn. Unless you're in real estate keep it low"  
[X Link](https://x.com/Budgetdog_/status/2020546514972803204)  2026-02-08T17:13Z 179.7K followers, [----] engagements


"Dollar Cost Averaging: Investing the same amount every month regardless of what the market does. This is the only way. Compound Interest: When your money earns money that earns more money. Expense Ratio: The yearly fee to own an investment fund. If it's above 0.2% don't buy it. https://twitter.com/i/web/status/2020546517350957162 https://twitter.com/i/web/status/2020546517350957162"  
[X Link](https://x.com/Budgetdog_/status/2020546517350957162)  2026-02-08T17:13Z 179.7K followers, [----] engagements


"Dividend: Cash a company pays you for owning their stock. Capital Gains: Profit from selling an investment for more than you paid. Asset Allocation: How you split your money between stocks bonds and cash. Rebalancing: Adjusting your portfolio so it stays aligned with your goals over time. https://twitter.com/i/web/status/2020546519359729679 https://twitter.com/i/web/status/2020546519359729679"  
[X Link](https://x.com/Budgetdog_/status/2020546519359729679)  2026-02-08T17:13Z 179.7K followers, [----] engagements


"Standard vs Itemized Deduction: Default write offs vs listing your own expenses. Tax Credit vs Tax Deduction: Credits reduce your bill directly. Deductions reduce what's taxable. MAJOR difference on your tax bill. Risk Tolerance: How much your portfolio can drop before you panic sell: http://investor.vanguard.com/tools-calculators/investor-questionnaire http://investor.vanguard.com/tools-calculators/investor-questionnaire"  
[X Link](https://x.com/Budgetdog_/status/2020546521729544277)  2026-02-08T17:13Z 179.7K followers, [---] engagements


"Backdoor Roth: How high earners get around Roth IRA income limits. FI Number: The amount of money you need invested to live off interest for life. To find yours multiply annual expenses x [--]. Long Term vs Short Term Capital Gains: Hold over a year and you pay way less tax. Patience literally pays. https://twitter.com/i/web/status/2020546528222331279 https://twitter.com/i/web/status/2020546528222331279"  
[X Link](https://x.com/Budgetdog_/status/2020546528222331279)  2026-02-08T17:13Z 179.7K followers, [---] engagements


"Marginal Tax Rate: The tax rate on your last dollar earned. Tax Loss Harvesting: Selling stocks at a loss and rebuying similar assets immediately. This can offset gains & lower your tax bill. Term Life Insurance: Cheap coverage for a set number of years. More than enough for most families. https://twitter.com/i/web/status/2020546530399158697 https://twitter.com/i/web/status/2020546530399158697"  
[X Link](https://x.com/Budgetdog_/status/2020546530399158697)  2026-02-08T17:13Z 179.7K followers, [---] engagements


"@scott73187192 @ultim8cpa Ill give you candy if you get in the van"  
[X Link](https://x.com/Budgetdog_/status/2020553041569628356)  2026-02-08T17:39Z 179.7K followers, [--] engagements


"People dont lose money because the market goes down. They lose money because they change behavior when the market goes down"  
[X Link](https://x.com/Budgetdog_/status/2020610472861671483)  2026-02-08T21:27Z 179.7K followers, [----] engagements


"Its becoming rare I get better answers from a human than AI"  
[X Link](https://x.com/Budgetdog_/status/2020663508162261147)  2026-02-09T00:58Z 179.7K followers, [----] engagements


"I gained so much respect for Sam Darnold. He EARNED everything"  
[X Link](https://x.com/Budgetdog_/status/2020930237190799445)  2026-02-09T18:38Z 179.7K followers, [----] engagements


"If your goal relies on motivation you will lose. If your goal relies on systems you will win. Very simple game"  
[X Link](https://x.com/Budgetdog_/status/2020993140019094000)  2026-02-09T22:48Z 179.7K followers, [----] engagements


"Everyone says theyre a long-term investor until the chart turns red"  
[X Link](https://x.com/Budgetdog_/status/2021052875728879674)  2026-02-10T02:45Z 179.7K followers, [----] engagements


"@Kalshi My Yukon Denali was $100k"  
[X Link](https://x.com/Budgetdog_/status/2021197291902861647)  2026-02-10T12:19Z 179.7K followers, [----] engagements


"The credit score might be the goofiest metric in all of personal finance"  
[X Link](https://x.com/Budgetdog_/status/2021293537006960997)  2026-02-10T18:41Z 179.7K followers, [----] engagements


"@noorfiaryjoe776 @Kalshi Im financially free. Its okay to spend I promise"  
[X Link](https://x.com/Budgetdog_/status/2021293932856926410)  2026-02-10T18:43Z 179.7K followers, [---] engagements


"@kdan1186 @Kalshi Super solid"  
[X Link](https://x.com/Budgetdog_/status/2021293957255217505)  2026-02-10T18:43Z 179.7K followers, [---] engagements


"@InvestingAddict I use River. Highly recommend and 1x/mo transfer to cold"  
[X Link](https://x.com/Budgetdog_/status/2021313051857682640)  2026-02-10T19:59Z 179.7K followers, [--] engagements


"@themojomindset @InvestingAddict @Ledger I do ledger and cold card Q"  
[X Link](https://x.com/Budgetdog_/status/2021315683624137050)  2026-02-10T20:09Z 179.7K followers, [--] engagements


"If you lost your job today could you comfortably feed your family without rushing to find your next job If the answer is no you need to be aggressively investing"  
[X Link](https://x.com/Budgetdog_/status/2021353022736171281)  2026-02-10T22:38Z 179.7K followers, 14.4K engagements


"@BreannaMorello Feminism has a cost"  
[X Link](https://x.com/Budgetdog_/status/2022009655963398607)  2026-02-12T18:07Z 179.7K followers, [----] engagements


"@GuyTalksFinance Youre a smart guy. This is a direct focus on the tweet itself and is in no way personal. Im not petty. In reference to the tweet itself acting as if timing the market is wise is foolish. I am just honestly shocked you are going against the clear data"  
[X Link](https://x.com/Budgetdog_/status/2022396195575140723)  2026-02-13T19:43Z 179.7K followers, [--] engagements


"@GuyTalksFinance Yea and your bitcoin buys have offset this and youre underperforming the market short term too is my point"  
[X Link](https://x.com/Budgetdog_/status/2022436596901876167)  2026-02-13T22:23Z 179.7K followers, [---] engagements


"2) Investing Order Contribute cash in this order for the best tax advantages: [--] 401k (up to the match) [--] Max HSA (if eligible) [--] Max Roth IRA ($7.5k /yr) [--] Max 401k ($24.5k / yr) [--] Remaining $ to a brokerage Pro tip: Use "catch up contributions" if you're 50+"  
[X Link](https://x.com/Budgetdog_/status/2018394354436493370)  2026-02-02T18:41Z 179.7K followers, [---] engagements


"Heres my $1M "Baby Formula" 👇🏻 [--]. Use the right accounts for your goals: - [---] for tax-free education money - Custodial Roth IRA for tax-free withdrawals - Taxable Brokerage for flexibility [--]. Leverage your business: - If you have a business you can pay your child (at reasonable market wages) for helping out - Then you can invest the earnings in a Roth IRA"  
[X Link](https://x.com/Budgetdog_/status/2018721535163240671)  2026-02-03T16:21Z 179.7K followers, 13.7K engagements


"Max out your Roth IRA every year. No exceptions. Low hanging fruit"  
[X Link](https://x.com/Budgetdog_/status/2021958013121151056)  2026-02-12T14:42Z 179.7K followers, 54.1K engagements


"AI is certainly going to replace jobs but many are forgetting that it will take humans much longer to adapt to being okay with it"  
[X Link](https://x.com/Budgetdog_/status/2022778624420557175)  2026-02-14T21:03Z 179.7K followers, [----] engagements


"6. Growth Stocks: $VUG Top [--] Holdings: - Microsoft - Apple - NVIDIA - Amazon - Meta Platforms Class A - Alphabet Class A - Alphabet Class C - Eli Lilly & Co - Tesla - Visa Class A [--] year annual return: 17.1% Best year: 46.83% Worst year: -38.02%"  
[X Link](https://x.com/Budgetdog_/status/1998088978508238904)  2025-12-08T17:55Z 179.7K followers, 112.4K engagements


"7. Real Estate: $VNQ Top [--] Holdings: - Vanguard Real Estate - Prologis - American Tower Corp - Equinix - Welltower - Public Storage - Crown Castle - Simon Property Group - Digital Realty Trust - Realty Income Corp"  
[X Link](https://x.com/Budgetdog_/status/1998088980529840327)  2025-12-08T17:55Z 179.7K followers, 104.9K engagements


"People use TurboTax because its the cheapest option and then wonder why they pay so much in tax 😂 Software isnt strategy my friend"  
[X Link](https://x.com/Budgetdog_/status/2014716539883196448)  2026-01-23T15:07Z 179.7K followers, 307.8K engagements


"Used Car Millionaire [--]. Don't buy new cars [--]. Buy used cars in cash [--]. Save the $700 payments [--]. Invest $620/mo in a Roth IRA [--]. Turn on "Auto Invest" [--]. 80/20 split of $VTI & $VXUS [--]. Live your life stress free At 9% (average) growth. You'll have $1.1M in [--] years 🤯"  
[X Link](https://x.com/Budgetdog_/status/2016200083759309201)  2026-01-27T17:22Z 179.7K followers, 113K engagements


"3. Invest smart: - I like low cost total market ETFs like $VTI and $VXUS - Reinvest dividends automatically [--]. Stay consistent: - This is crucial if you want the accounts to grow - Set up automatic monthly investments - Increase contributions with each raise"  
[X Link](https://x.com/Budgetdog_/status/2018721537117831361)  2026-02-03T16:21Z 179.7K followers, 10.2K engagements


"Could not imagine putting my entire portfolio in one asset. Has to be constantly stressful for the Bitcoin crew"  
[X Link](https://x.com/Budgetdog_/status/2019183400842568175)  2026-02-04T22:56Z 179.7K followers, 74.3K engagements


"Seeing a bet on the Super Bowl prompt inside your brokerage app is wild. Is this a stock account or DraftKings Robinhood is robbing you all like Ive said for years. Stay away"  
[X Link](https://x.com/Budgetdog_/status/2020531424080646316)  2026-02-08T16:13Z 179.7K followers, 28.3K engagements


"Only 1% of US households have a net worth of $10M+"  
[X Link](https://x.com/Budgetdog_/status/2022009586002338295)  2026-02-12T18:07Z 179.7K followers, 46.9K engagements


"@cryptorover Shocking news"  
[X Link](https://x.com/Budgetdog_/status/2022072346333606057)  2026-02-12T22:16Z 179.7K followers, 15.8K engagements


"@GuyTalksFinance You cant bias part of your total portfolio. If you want to benchmark your portfolio return include your short term horrific miss on Bitcoin. We play the game on 50+ year timelines is the thing. Anybody can be right over a few years. The data tells us that"  
[X Link](https://x.com/Budgetdog_/status/2022396846862406012)  2026-02-13T19:45Z 179.7K followers, [---] engagements


"@jonbrooks @GuyTalksFinance My strategy is based on data and logic not emotion"  
[X Link](https://x.com/Budgetdog_/status/2022440549664592334)  2026-02-13T22:39Z 179.7K followers, [---] engagements


"@daman4545 Is the narrative not changing here based on price You can very easily see the trends change"  
[X Link](https://x.com/Budgetdog_/status/2022494016772927773)  2026-02-14T02:12Z 179.7K followers, [---] engagements


"Its not about who I follow. Im referring to the narrative at large. I dont know why Bitcoin bros that have a specific belief would care what the narrative at large even is if they are truly are all in. Its just noise right But it absolutely shifts with price. Theres no denying that. https://twitter.com/i/web/status/2022494746153767172 https://twitter.com/i/web/status/2022494746153767172"  
[X Link](https://x.com/Budgetdog_/status/2022494746153767172)  2026-02-14T02:14Z 179.7K followers, [---] engagements


"@SamuelF97727234 Yea it is - manual underwriting makes way more sense"  
[X Link](https://x.com/Budgetdog_/status/2021321150370902218)  2026-02-10T20:31Z 179.7K followers, [---] engagements


"$100k is officially lower middle class. Here's how much it costs to live "comfortably" in every US state:"  
[X Link](https://x.com/Budgetdog_/status/1996251426268344678)  2025-12-03T16:13Z 179.7K followers, 2.5M engagements


"ETFs made my wife and I millionaires in [--] years. But there's [----] to choose from. Here are [--] ETFs that can make you a millionaire in 2026:"  
[X Link](https://x.com/Budgetdog_/status/1998088966424424948)  2025-12-08T17:55Z 179.7K followers, 1.8M engagements


"At [--] my wife and I set a few goals. - Debt free by age [--] - $2.5M invested by [--] - Financial security to protect family By [--] we did all of that and more. Here are the [--] steps we took that any family can copy:"  
[X Link](https://x.com/Budgetdog_/status/2008215311120556378)  2026-01-05T16:33Z 179.7K followers, 893.2K engagements


"Choosing to do nothing about your finances is just guaranteeing you struggle in the future"  
[X Link](https://x.com/Budgetdog_/status/2022073939506385207)  2026-02-12T22:22Z 179.7K followers, [----] engagements


"Taxable Brokerage performance (past [--] months): March 2025: -$100616.91🔴 April 2025: -$1372.41🔴 May 2025: $124142.94🟢 June 2025: $105393.29🟢 July 2025: $46184.01🟢 August 2025: $64881.06🟢 September 2025: $81308.95🟢 October 2025: $56974.22🟢 November 2025: $8170.43🟢 December 2025: $12317.60🟢 January 2026: $72164.80🟢 February [----] (MTD): -$17693.50🔴 Net: $451854.48🟢 I did the same thing in the red months as the green. The strategy doesnt change. The market does. https://twitter.com/i/web/status/2022345300845728185 https://twitter.com/i/web/status/2022345300845728185"  
[X Link](https://x.com/Budgetdog_/status/2022345300845728185)  2026-02-13T16:21Z 179.7K followers, 14.5K engagements


"If I've learned one thing. Never trust the system. They won't teach you how to manage finances taxes or life. If you want to get your life in order here's [--] topics to research:"  
[X Link](https://x.com/Budgetdog_/status/2022345690803036318)  2026-02-13T16:22Z 179.7K followers, [----] engagements


"I find it funny how quickly the narrative changes on Bitcoin solely based on the price"  
[X Link](https://x.com/Budgetdog_/status/2022475106849821089)  2026-02-14T00:56Z 179.7K followers, [----] engagements


"@Retireunder1M @GuyTalksFinance Yea [--] in [--] do so and based on what hes shared I highly doubt hes the [--] in 10"  
[X Link](https://x.com/Budgetdog_/status/2022487882980823172)  2026-02-14T01:47Z 179.7K followers, [----] engagements


"@lindsaybitcoin I have DCAd weekly since [----]. I am bullish. But very low probability to make a generational difference over a few years. Generational wealth isnt this easy"  
[X Link](https://x.com/Budgetdog_/status/2022749396316606624)  2026-02-14T19:06Z 179.7K followers, [---] engagements


"A few of the amazing people building the future of Budgetdog. 🙌 Locked in. Clear mission ahead. What were building behind the scenes is about to change how people win with money"  
[X Link](https://x.com/Budgetdog_/status/2022861513875185803)  2026-02-15T02:32Z 179.7K followers, [----] engagements


"1. Total US Stock Market: $VTI Top [--] Holdings: - NVIDIA - Microsoft - Apple - Amazon - Meta Platforms Class A - Broadcom - Alphabet Class A - Alphabet Class C - Berkshire Hathaway Class B - Tesla [--] year annual return: 14% Best year: 33.45% Worst year: -36.9%"  
[X Link](https://x.com/Budgetdog_/status/1998088968299221274)  2025-12-08T17:55Z 179.7K followers, 166K engagements


"5. Small Cap: $VBR Top [--] Holdings: - NRG Energy - EMCOR Group - Atmos Energy - Williams Sonoma - Tapestry - Smurfit WestRock - Jabil - United Therapeutics - Aptiv PLC - Vanguard Liquidity Fund [--] year annual return: 9% Best year: 36.56% Worst year: -32.2%"  
[X Link](https://x.com/Budgetdog_/status/1998088976398442786)  2025-12-08T17:55Z 179.7K followers, 121.7K engagements


"The best part of financial freedom is being able to truly control your calendar"  
[X Link](https://x.com/Budgetdog_/status/2021599463135952974)  2026-02-11T14:57Z 179.7K followers, [----] engagements


"Cash for cars always If thats not doable stick to the 20/4/10 rule: 20% down 4-year term (or less) 10% of take home pay to all car costs"  
[X Link](https://x.com/Budgetdog_/status/2021776780881744010)  2026-02-12T02:42Z 179.7K followers, 53.1K engagements


"Hard Truth: It only takes $27.40 per day to spend $10000 per year. If you invested that money instead You'd have: $158866 in [--] years $539996 in [--] years $1459173 in [--] years Wealth is just a series of small decisions"  
[X Link](https://x.com/Budgetdog_/status/2022052542830850067)  2026-02-12T20:57Z 179.7K followers, 19.5K engagements


"The reason people will continue to fail the stock market is that they will draw poor conclusions based on their own experiences not on the data. As a result they will then make bad decisions"  
[X Link](https://x.com/Budgetdog_/status/2022322250074980714)  2026-02-13T14:49Z 179.7K followers, [----] engagements


"4. S&P 500: $VOO Top [--] Holdings: - Microsoft - NVIDIA - Apple - Amazon - Meta Platforms Class A - Alphabet Class A - Alphabet Class C - Berkshire Hathaway Class B - Broadcom - Eli Lilly & Co [--] year annual return: 14.5% Best year: 32.39% Worst year: -18.17%"  
[X Link](https://x.com/Budgetdog_/status/1998088974506897584)  2025-12-08T17:55Z 179.7K followers, 131.9K engagements


"If you make over $75000 a year but don't have at least $150000 to your name read this:"  
[X Link](https://x.com/Budgetdog_/status/2005680273128853578)  2025-12-29T16:40Z 179.7K followers, 2.7M engagements


"If you didn't come from a rich family. Make sure a rich family comes from you: - Invest $2000 at birth - [---] Roth IRA & Brokerage - $150/mo in each account At 9% growth your child will have $232k when they turn [--]. If they keep adding $250/mo to each account. They'll have $1.2M by age [--]. https://twitter.com/i/web/status/2018721532994892061 https://twitter.com/i/web/status/2018721532994892061"  
[X Link](https://x.com/Budgetdog_/status/2018721532994892061)  2026-02-03T16:21Z 179.7K followers, 194.9K engagements


"I find it odd that people are open to dropping [--] [--] [--] thousand dollars on a car but then act like self education is too expensive"  
[X Link](https://x.com/Budgetdog_/status/2022129152300843277)  2026-02-13T02:02Z 179.7K followers, 10.7K engagements


"On Buying A Home. [--]. FHA loans [--]. Fixed vs variable rate loans [--]. [--] year vs [--] year mortgage [--]. Loan payoff terms [--]. Biweekly vs monthly payments [--]. Seller credits [--]. Buying down mortgage rate [--]. The true 30-year cost [--]. Local property tax laws"  
[X Link](https://x.com/Budgetdog_/status/2022345695731319122)  2026-02-13T16:22Z 179.7K followers, [---] engagements


"On Retirement. [--]. The 4% rule [--]. FIRE vs FatFIRE [--]. Long term capital gains [--]. Short term capital gains [--]. Lockout periods [--]. Portfolio diversification [--]. Risk tolerance [--]. Bonds vs cash [--]. How reliable are pensions [--]. Medical insurance (later in life)"  
[X Link](https://x.com/Budgetdog_/status/2022345697622622503)  2026-02-13T16:22Z 179.7K followers, [----] engagements


"@AcdntlyRetired Media fed narrative to low IQ"  
[X Link](https://x.com/Budgetdog_/status/2022378176509337634)  2026-02-13T18:31Z 179.7K followers, [---] engagements


"All of your investment accounts need a beneficiary"  
[X Link](https://x.com/Budgetdog_/status/2022388049322352714)  2026-02-13T19:10Z 179.7K followers, [----] engagements


"Money isnt a math issue in most marriages. Its a communication + leadership issue"  
[X Link](https://x.com/Budgetdog_/status/2023032152791859460)  2026-02-15T13:50Z 179.7K followers, [----] engagements

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