🚨BREAKING: The IRS just announced the inflation adjustments for tax year 2026.

Here's what you need to know (and how it affects your taxes): 1. Standard Deduction

In 2025, the standard deduction for a single taxpayer is $15,750 ($31,500 for married filing jointly)

In 2026, the standard deduction is increasing by $350: $16,100 (single), $32,200 (mfj)

The average homeowner has over $300,000 of equity.

But selling often could trigger a massive tax bill.

This is why you must track improvements (almost no one does!)

Here's all you need to know: If you sell your primary home, you may be able to exclude up to $250,000 (or $500,000 for married filing jointly) of the gain from taxes if you meet the ownership and residence tests.

But it's not uncommon to see homes that appreciated way over the limit in the last 10 years.

You could make $100,000/year and pay $0 in taxes.

This is because the tax code is created for investors, not regular workers.

Here's how it works (and how you could live tax-free): As a W-2 worker, you're paying a lot of taxes:

> 6.2% SS tax
> 1.45% Medicare tax
> 0.9% Additional Medicare tax (if over $200k/$250k (married) income limit)
> Federal income tax (up to 37%)
> State and local tax

The IRS has a rule that can wipe out taxes on investment gains overnight.

Here's how the step-up in basis can save your family thousands of dollars of taxes: One of the biggest mistakes many people do before passing away - they gift assets to their children.

John gifted his son a $1M home in California.

Once his son sold this property, he paid close to $200,000 of taxes that could've been avoided...

HSA hack most people miss:

Never use your HSA card to pay for medical bills. Invest instead.

Here's why it's one of the smartest tax strategies out there: If you're unfamiliar, HSA provides a triple benefit:

> tax deduction
> tax free growth >
tax free withdrawal for medical cost

It's also exempt from FICA taxes if contributed through employer's payroll.

🚨BREAKING: Treasury just released the list of jobs that qualify for the new "no tax on tips"

Here are all the details: As part of the new bill for 2025 through 2028, workers can deduct up to $25,000 of qualified tips received in occupations that are listed by Treasury.

Deduction phases out for taxpayers with modified adjusted gross income over $150,000 (single) or $300,000 (joint)

If you win the $1.3 BILLION Powerball jackpot (5th largest), here are 8 things to do right away:

1. Do NOT declare yourself the winner YET. Do this first... 2. Hire an attorney.

You will receive a generational amount of money and you need to get a "Trust and Estate" partner from a large, national firm.

Do not use any firm that has any connection to family or friends or community.

The new tax bill made many changes for tax year 2025.

Here's everything that's changing (and how it impacts your paycheck): The new tax bill made many changes to the tax code.

But a lot of the provisions actually are applied retrospectively and will impact your 2025 taxes.

Here are the main changes:

My co-worker recently retired at 50.

Here’s the exact tax free withdrawal strategy he's using to fund his early retirement: The company he retired from had pretty great perks like a 100% 401(k) match on 6% of salaryand ESPP.

But here's the thing - most tax advantaged accounts lock up your money until retirement.

So, how can he use them to retire early?

Hiring your child can save you a lot in taxes.

But 99% of "gurus" won't tell you how to do it legit.

Here's how it actually works: Why should you hire your child?

3 benefits:
1. Their salary is a business expense
2. Depending on the amount, your child could pay $0 in federal taxes
3. Ability to contribute to a Roth IRA

2 in 5 Americans will inherit money.

Sadly, most will just waste it by buying useless things.

Here's a smarter framework to follow: First, make sure to bookmark the post above and send it to a friend.

Now, most inheritances are around the $50,000 mark.

So, what do you do with it?

A lot of it depends on your goals and circumstances, but here's what I would do...

"How would you invest $5,000?"

Most people get it completely wrong.

Here’s the exact step by step plan to maximize this money: First and foremost, you should NOT invest any money that you will need within the next 3 years.

Keep this $5,000 as emergency funds or savings for big purchases (if applicable).

Otherwise, here's how to invest it:

"How do you rebalance your portfolio without triggering a massive tax bill?"

Most people do it the wrong way, especially if they are selling stocks or adjusting portfolio allocations.

Let me explain how to do it right: 1. Tax advantaged accounts

The first way to think about rebalancing is through tax advantageous accounts (like 401ks, traditional IRAs, Roth IRAs, HSAs, etc)

The idea is simple - you avoid creating any taxable events in these accounts.

IRS audits 500,000+ tax returns every year.

But how do they select who to audit? By using algorithms.

Here's how they decide (and how you can protect yourself): First, make sure to bookmark the above post and share it with a friend (it will help them)

Let's get into it...

When you file your tax return, the IRS first checks that your SSN and name match their records.

Treasury bills are more tax efficient than savings accounts or CDs.

Yet 99% don't know much about them.

Here’s why they are the best place for your cash: Treasury Bills (T-Bills) are short term debt securities backed by the U.S. government.

They come in maturities of 4, 8, 13, 17, 26 and 52 weeks.

T-Bills are sold at a discount and pay you their full face value at maturity. The difference is your interest.

Vanguard Money Market Fund pays 4.22% interest on your cash savings with state tax savings.

But 99% of people don't understand the risk or how they work.

Here's an in depth thread on MMFs: Money Market Funds are mutual funds that try to keep their share price at $1.

The funds investment money in short term, low risk products like treasuries, bonds, and various governement obligations.

Everyone loves Roth IRAs for tax free growth and withdrawals.

But you can pay 0% tax on stock sales in a regular brokerage account with even more flexibility.

Here's how to take advantage of it: Main benefits of Roth IRA:

1. Tax free growth
2. Tax free withdrawals of earnings after age 59½ (contributions can be withdrawn at any time)
3. Ease of rebalancing

But a brokerage account could achieve these things too.

"Renting is a huge waste of money!"

You've heard this before, but it's not true.

Here's the real math behind buying vs renting: Analyzing buying vs renting comes down to a simple idea - recoverable vs non recoverable costs.

Every expense, whether you own or rent, falls into one of these two buckets.

Investing for 10 years (from 25 to 35) can be more beneficial than investing for 30 years (from 35 to 65)

Here's why waiting to invest could cost you $121,193: John invested $300/mo from age 25 to 35.

His portfolio grew to $54,037 with an 8% annual growth rate. Total invested is $36,000.

He completely stopped investing at 35. He never invested a single dollar more.

HSAs are like a Roth IRA on steroids due to triple tax benefits.

And the new tax bill just made them even more accessible.

Here’s how to take full advantage: HSA is one of the most powerful accounts.

This is because it offers the most benefits:
> tax deduction
> tax free growth
> tax free withdrawals for medical expenses

That's even better than Roth IRA if used strategically.

§72(t) is one of the most powerful sections in the tax code.

It allows you to pull money out of 401k/IRA at ANY age w/o the 10% early withdrawal penalty by creating a "SoSEPP"

Here's exactly how it works: First, you shouldn't touch your 401k/IRAs before retiring.

But what if someone wants to retire at 50 and majority of their assets are in a 401k?

Withdrawing would come with a 10% penalty.

But there's a way...