https://deductsy.com/blog/ Deep-dive tax strategy articles for W-2 employees, rental owners and self-employed business owners: S-corp election, SALT workarounds, QBI, retirement moves and more. en-us Mon, 04 May 2026 00:00:00 GMT https://deductsy.com/blog/mega-backdoor-roth/ https://deductsy.com/blog/mega-backdoor-roth/ Mon, 04 May 2026 00:00:00 GMT 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. https://deductsy.com/blog/qbi-phaseout/ https://deductsy.com/blog/qbi-phaseout/ Mon, 04 May 2026 00:00:00 GMT The 20% QBI deduction phases out for specified service businesses (consultants, lawyers, doctors) starting at ~$201,750 single / ~$403,500 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. https://deductsy.com/blog/reps-explained/ https://deductsy.com/blog/reps-explained/ Mon, 04 May 2026 00:00:00 GMT 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. https://deductsy.com/blog/s-corp-80k-threshold/ https://deductsy.com/blog/s-corp-80k-threshold/ Mon, 04 May 2026 00:00:00 GMT The popular rule of thumb says elect S-Corp once net SE income hits $80k. Count the income tax a salary adds by shrinking the QBI deduction, and the salary you pay yourself decides the answer far more than that number does. https://deductsy.com/blog/salt-cap-workarounds/ https://deductsy.com/blog/salt-cap-workarounds/ Mon, 04 May 2026 00:00:00 GMT OBBBA raised the SALT deduction cap to $40,400 for 2026, so most households under ~$505,000 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 $505,000.