#personal-finance

Лични финанси

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9 май 2026 г.

Series I Savings Bonds in 2026: An Inflation Hedge for Personal and Business Cash Reserves

At the May 2026 reset, Series I Savings Bonds pay a 4.26% composite rate — a 0.90% fixed rate locked for 30 years plus a 3.34% annualized inflation rate — with state-tax exemption and a $10,000-per-SSN annual cap. A practical guide to where I bonds fit in personal and small-business cash strategy, including LLC entity-account stacking, the 12-month lock and 5-year penalty, and the education-exclusion rules.

mike

i-bondsinflationtreasury-management

9 май 2026 г.

Nonqualified Deferred Compensation: Section 409A, Rabbi Trusts, and the 20% Penalty Executives Need to Avoid

Section 409A lets companies defer executive pay above 401(k) limits, but a single misstep triggers immediate taxation on every vested dollar plus a 20% federal penalty and premium interest. Here is how NQDC plans, rabbi trusts, and the six permissible distribution triggers actually work.

mike

tax-planningretirement-plansemployee-benefits

8 май 2026 г.

The HSA: The Stealth Retirement Account That Beats Your 401(k) on Tax Efficiency

How the 2026 Health Savings Account combines tax-free contributions, tax-free growth, and tax-free medical withdrawals — and how the shoebox strategy turns an $8,750 family limit into a six- to seven-figure retirement vehicle by age 65.

mike

tax-planningpersonal-financeretirement-savings

7 май 2026 г.

Form 8606 and the Backdoor Roth: How One Missing Tax Form Causes Double Taxation

Form 8606 is the IRS's running ledger of after-tax basis inside traditional, SEP, and SIMPLE IRAs. Skip it and the IRS treats your basis as zero, taxing the same dollars a second time at distribution. This guide explains how the form works, why the pro-rata rule punishes most backdoor Roth conversions, and how to keep your basis documented for the next 30 years.

mike

iraretirement-savingstax-planning

7 май 2026 г.

Inherited IRA 10-Year Rule: How Non-Spouse Beneficiaries Avoid the 25% Penalty

Non-spouse IRA beneficiaries must empty inherited accounts within 10 years, and annual RMDs become mandatory in 2025 if the original owner died on or after their required beginning date. A missed RMD triggers a 25% excise tax. Only surviving spouses, minor children, disabled or chronically ill individuals, and beneficiaries within 10 years of the deceased's age keep the old stretch treatment.

mike

iraretirement-savingstax-planning

7 май 2026 г.

Kiddie Tax Form 8615: How Investment Income for Children Under 24 Is Taxed at Parent Rates

How the federal kiddie tax pulls a child's unearned income above $2,700 in 2026 onto the parent's marginal rate via Form 8615. Mechanics, UTMA/UGMA pitfalls, full-time-student rules through age 23, and planning strategies using 529 plans, Roth IRAs, and gain timing.

mike

taxtax-planningpersonal-finance

7 май 2026 г.

Net Unrealized Appreciation: The 401(k) Tax Strategy That Saves Six Figures

The Net Unrealized Appreciation election lets retirees pay long-term capital gains rates on employer stock distributed from a 401(k) instead of ordinary income, often saving more than $144,000 on a $1 million position. Covers eligibility under IRC 402(e)(4), the lump-sum distribution rule, and the most common mistakes that destroy the strategy.

mike

tax-planningretirement-savingscapital-gains

7 май 2026 г.

The PFIC Form 8621 Tax Trap: Why US Investors Get Punished for Owning Foreign Mutual Funds and ETFs

PFICs (foreign mutual funds, UCITS ETFs) trigger Section 1291 tax for US investors — gains allocated across the holding period, taxed at top ordinary rates, plus compounded interest charges. This guide covers Form 8621, the QEF and mark-to-market elections, the $25k/$50k de minimis filing exception, and how to escape the trap.

mike

taxinternational-taxtax-compliance

7 май 2026 г.

Roth Conversion Ladder: How FIRE Investors Tap Retirement Accounts Penalty-Free Before Age 59½

A Roth conversion ladder converts traditional IRA dollars to Roth in annual tranches, each unlocking penalty-free five tax years later — the core mechanism FIRE retirees use to tap pre-tax accounts before age 59½ while filling low tax brackets.

mike

retirement-savingstax-planningira

7 май 2026 г.

Rule 72(t) SEPP: How to Tap Your IRA Before 59½ Without the 10% Penalty

Tap your IRA or 401(k) before 59½ penalty-free with Rule 72(t) SEPP. Learn the three IRS calculation methods, the 5% rate floor, and recapture tax pitfalls.

mike

retirement-plansiraretirement-savings

7 май 2026 г.

Section 121 Home Sale Exclusion: How Homeowners Can Skip Up to $500,000 in Capital Gains Taxes

How Section 121 lets U.S. homeowners exclude up to $250,000 ($500,000 for joint filers) of capital gains on a primary home sale — covering the 24-month ownership and use tests, the two-year frequency rule, partial exclusions, depreciation recapture, and the nonqualified-use allocation.

mike

taxtax-planningreal-estate

7 май 2026 г.

Section 199A REIT Dividend Deduction: The 20% Tax Break Most REIT Investors Don't Fully Use

Section 199A lets you deduct 20% of qualified REIT dividends, cutting the top federal rate to about 29.6%.

mike

tax-deductionstax-planningreal-estate

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