Okay, so you’re making money from your dog—awesome! But have you ever thought about setting up a bank account for your dog? Yep, you heard that right. Your dog doesn’t need a 9-to-5, but if they’re earning you cash, it’s time to manage their finances like the smart dog parent you are we'll call this dog breeding financial planning.
1. Keep Vet Bills from Ruining Your Day
Here’s the truth: dogs are expensive. Even if your pup’s just out there living their best life, vet bills can add up faster than your dog can chase a squirrel. Emergencies happen, and you’ll want to be prepared—because no one wants to be stressed about money when their fur baby needs care. That’s why it’s smart to have at least $5,000 stashed away for those “just in case” moments. It’s like your dog’s emergency fund—minus the dog bones.
2. The Real Costs of Breeding—It’s Not All Puppy Kisses!
So you’re in the breeding game? Good for you! But let’s not sugarcoat it—there’s a lot more to it than cute puppy pics on Instagram. If you’ve got a female dog, be ready to invest in her care. Here’s what you’ll need:
Prenatals: $50-$75 (I personally love Angel Bullz prenatals).
Deworm Female $30
Progesterone Tests: $60-$80 each, and you’ll need about 4.
Artificial Insemination: $60-$80 each, and you'll need 2.
Stud Service: $500-$3,000 (but definitely higher for that good good $5k-$10k)
Ultrasound: $50-$100
Reverse Progesterone Tests: $70 each (you’ll need about 4 of these too).
C-Section: $800-$3,000 because puppies don’t always arrive on schedule.
Whelper Costs: $500-$850 per week if you hire someone to help with the newborn pups.
Puppy Vaccines & Deworming: $200 before they go to their new homes.
AKC Litter Registration: $35 (it’s official!).
Add all that up, and the total costs can range from $2,800 on the low end to $8,000 on the high end—suddenly those little fur babies are worth their weight in gold, literally!
3. If Your Boy’s a Stud, He’s Gonna Cost You
Got a stud dog? Awesome! But remember, there are costs involved in keeping him in top shape for stud services. It’s not just about collecting a fee; you need to be prepared for these additional expenses:
Semen Analysis: $50 to ensure everything’s working as it should.
DNA Testing: $200 to confirm the pedigree. People like to know what your dog carries.
Health Panel Testing: $135 to check for any potential genetic issues.
AKC DNA Verification: $150 If your stud has more than three litters, the AKC requires your dog’s DNA in their registry, which comes with an extra cost.
There’s still an upfront investment to make sure everything’s running smoothly, and the total cost can reach about $600. It’s worth it in the end, but don’t forget to budget for these!
4. Everyday Doggo Expenses—Treat Yo’ Self (and Your Pup)
Let’s be real: dogs come with regular expenses. Between food, grooming, and those cute little outfits (you know you love them) #keepitkennels, it all adds up. On average, you’re probably looking at spending around $150 to $300 a month for the basics—food, grooming, toys, and maybe a stylish new harness or two.
A good rule of thumb is to save up about 3-6 months’ worth of doggy expenses, which means having $450 to $1,800 set aside. Having a separate bank account for your dog helps you track all this spending without accidentally dipping into your “I’m going to buy myself something nice” fund. It’s like your dog’s personal budget—but fluffier.
5. So Your Dog’s a Breadwinner? Track That Dough!
If your dog’s making you money—whether it’s from stud services, puppy sales, or just being Instagram-famous—you need to keep that cash flow in check. Create a bank account for your dog’s earnings so you can easily track how much they’re bringing in. Trust me, separating their earnings from your own will save you major headaches later.
6. Let’s Talk About Dog Breeding Financial Planning—The Fun Way!
Here’s where things get interesting. You’ve made money from breeding, and now you’re sitting on a nice pile of cash. But don’t blow it on a flashy car or that diamond-studded collar (yet). Let’s be smart and make that money work for you!
Take your earnings and put them into a share certificate earning 5% interest. Why? Because your basic savings account is basically a joke—offering a measly 0.01%.
Let’s break it down with an example.
Let’s say you made $10,000 from selling a litter. If you left that in a savings account, you’d make about $1 (yes, really) in a year. But if you invest it in a 5% share certificate, that $10,000 would grow to $10,500 in one year. Over 5 years? That’s $12,762. And in 10 years? You’re looking at $16,288.
Check out the charts below to see how much better that 5% share certificate looks compared to a savings account:
Time | Regular Savings Account | 5% Share Certificate |
1 Year | $10,001 | $10,500 |
5 Years | $10,005 | $12,762.82 |
10 years | $10,010 | $16,288.95 |
Pretty sweet, right? And since you can’t touch the money for a while, it also helps you avoid those “I feel like splurging” moments. When it matures, you’ll have even more money to reinvest or use for your doggo’s future expenses. Talk about a win-win!
7. Don’t Forget to Spoil Your Dog!
Most importantly, if your dog is making you money, don’t be stingy—treat them! Take them to Top Dog Pet Store, grab them a new toy, bed, or some gourmet treats. They deserve it! After all, your dog is working hard for you, so make sure they feel the love.
Remember, your dog’s well-being is just as important as your financial success. So, while you’re growing your money, don’t forget to spoil your four-legged business partner once in a while.
8. But What About Taxes? Don’t Let Them Stop You!
I know what some of you might be thinking—“I don’t want to deal with paying taxes on this money!” And, hey, I get it. Taxes aren’t exactly anyone’s favorite thing, but here’s the sad reality: taxes are just a part of life. The good news is, paying taxes means you’re earning, and you’re building a legitimate, traceable income.
If you’ve got big goals like buying a home or making other life-changing moves, you’re going to need traceable income to qualify for loans or get approved for mortgages. So while it might be tempting to keep things under the table, it’s smarter in the long run to show that you’re making money, even if it means Uncle Sam takes a little cut.
The truth is, a little tax now can help you achieve those major life milestones down the road.
Conclusion: Start Growing Your Dog’s Earnings Today!
Now that you know why your dog should have a bank account, how to grow their money, and the reality of taxes, it’s time to take action! Whether you’re breeding, offering stud services, or just want to be financially prepared for your pup’s needs, managing your dog’s earnings wisely is the way to go. Trust me, your future self (and your dog) will thank you.
Still have questions? I’ve got you covered! If you’re curious about any of the steps, need more detailed advice, or just want to talk dogs and business, you can schedule a 30-minute consultation with me at Keep It Kennels for only $25. You can ask me anything, and I’ll help guide you through your next steps.
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