Chris L.
valuable, community supported, personal finance & investment program
I spent more years than I care to remember carrying credit card debt and other types of debt. I kept telling myself I could manage it and it was just a question of time before I cleared my debt and got serious about investing. I finally owned up to the fact I couldn't manage my debt on my own and sought help. That was the biggest step. Signing up for the budgetdog academy (BDA) was the best decision I ever made. I was interested in learning how to invest--that was the hook--but the program is much more comprehensive. It teaches you how to budget properly. I though I knew how to budget, but I quickly learned that I was just managing cash flow with no system in place or accountability mechanisms. BDA teaches you a relatively simple approach to budgeting that allows you to predict how much extra cash flow you have every month for investment. then you learn how to invest properly: what accounts, what brokers, what types of investments, how much, and how to automate everything. Then, once you have that in place, you learn how to protect your investments but optimizing your tax strategy, drawing up wills and trusts, and getting the right type of insurance. You are part of a community of like-minded, high-earning, but otherwise struggling individuals and couples (you can join on your won or with your spouse/significant other), which makes the experience less lonely, more supportive, and encouraging. It has exceeded all my expectations. I started funding an IRA and changed my 401K portfolio to align my investments with my risk profile and long term goals, I made prudent changes to my life insurance policies. I budget more systematically in a way that reflects how I really want to spend my money on what matters to me, and cut back on expenses that were not essential. As a result, I have generated extra cash flow to pay off debt faster. I have increased my net worth by 50% in three months and will be debt-free 18 months earlier than planned. This 6-month program has paid for itself in less than 3 months. I highly recommend it, no matter if you are 25, 35, or 45. Tip: the earlier you start educating yourself about teh basics of budgeting, investing, and wealth building, the easier it is because you have time on your side to allow your investments--even if it is just $100 a month--compound over time.
Response from Budgetdog, LLCOct 29, 2024
THIS IS LIGHTING ME UP RIGHT NOW! BEYOND HYPED FOR YOU! LET'S GO!



