The S-Corp $80k Threshold Is a Lie
Every CPA says you should elect S-Corp once your net SE income hits $80,000. The actual breakeven is more nuanced — and at the wrong income level, S-Corp can cost you money for a decade.
The SALT Cap Is Now $40,400 — Who Still Needs the PTET Workaround
OBBBA raised the SALT deduction cap to $40,400 for 2026, so most households under ~$505k MAGI are no longer squeezed. Here's who still needs the Pass-Through Entity Tax (PTET) workaround: high earners in the phase-down zone above $505k.
Mega Backdoor Roth: A Step-by-Step Walkthrough for $47k Tax-Free Retirement
If your 401(k) plan supports it, the Mega Backdoor Roth lets you shelter ~$47,500 in after-tax dollars and convert them to Roth — on top of the regular $24,500 limit. Here's how to verify your plan supports it and execute the conversion.
Real Estate Professional Status (REPS): What It Actually Takes to Qualify
REPS unlocks unlimited rental loss offset against W-2 income — but the IRS denies it more than any other deduction. Here's the real two-test math, the time-log requirements, and the spousal workaround.
The QBI Deduction Phaseout: Why Your Marginal Rate Can Quietly Hit 50%
The 20% QBI deduction phases out for specified service businesses (consultants, lawyers, doctors) starting at ~$201,775 single / ~$403,550 married for 2026. Inside the phase-out band your effective marginal rate can quietly hit 50%+. Here's the math and how to plan around it.