Tag: tax strategy
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Backdoor Roths exist because the rich have better accountants than you
The backdoor Roth IRA is a workaround built into a workaround, and it persists because closing it would inconvenience the wealthy enough to lobby against it.
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Donating appreciated stock is the only smart way to give
Writing checks to charity is generous and tax-inefficient. Donating appreciated stock saves significant capital gains tax and gives the charity more. Here’s why.
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HSAs are the best retirement account nobody uses correctly
Health Savings Accounts get triple tax treatment unmatched by any other retirement vehicle. Most holders waste them on routine medical bills.
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The Roth IRA isn’t the slam dunk Reddit says it is
Reddit treats the Roth IRA as a no-brainer, but the math depends on assumptions about future tax rates that no one actually knows. Here’s a closer look.
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Charitable giving is mostly a tax strategy with a halo
Most large charitable donations are timed and structured for tax benefit, not maximum impact. Here’s how the system actually works — and what it implies.