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  • How Stock Options and RSUs Affect Your Tax Bill in 2026

    How Stock Options and RSUs Affect Your Tax Bill in 2026
    2026/06/07
    Equity compensation is increasingly common outside of tech, but the tax rules are still confusing. In this episode, Lucas and Luna break down how Incentive Stock Options (ISOs), Non-Qualified Stock Options (NSOs), and Restricted Stock Units (RSUs) are taxed, when the AMT can sneak up on you, and what happens if you leave your job before shares vest. Lucas walks through a concrete example of an employee at a mid-sized company who received 1,000 NSOs at a $20 grant price and later exercised when the stock hit $50 — explaining the $30,000 bargain element, ordinary income treatment, and the one-year holding period for a capital gain. Luna highlights a common mistake: forgetting to file Form 3921 for ISOs. The episode closes with a practical checklist for anyone holding unvested equity in 2026. #StockOptions #RSUs #TaxStrategy #EquityCompensation #ISOs #NSOs #AMT #CapitalGains #Finance #Investing #EmployeeBenefits #TaxPlanning #WealthManagement #FexingoBusiness #BusinessPodcast #TaxPodcast #PersonalFinance #Form3921 Keep every episode free: buymeacoffee.com/fexingo
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    7 分
  • How a Spousal IRA Doubles Retirement Savings for Non-Working Spouses

    How a Spousal IRA Doubles Retirement Savings for Non-Working Spouses
    2026/06/07
    In this episode of The Tax Strategy Podcast, Lucas and Luna explain how a Spousal IRA lets a working spouse contribute to a retirement account for a non-working spouse, effectively doubling a couple's retirement savings. They walk through the income limits for 2026, the difference between traditional and Roth spousal IRAs, and a concrete example of how a family earning $150,000 can save an extra $7,000 per year in tax-deferred growth. They also cover what happens when the non-working spouse returns to work and how to coordinate contribution limits. If you're married and one spouse stays home with kids, this is a tax strategy you need to know about. #SpousalIRA #RetirementSavings #TaxStrategy #MarriedCouples #IRA #RothIRA #TraditionalIRA #TaxDeduction #Finance #TaxPlanning #FexingoBusiness #BusinessPodcast #TaxTips #SmallBusiness #WealthBuilding #FinancialLiteracy #RetirementPlanning #TaxSeason Keep every episode free: buymeacoffee.com/fexingo
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    11 分
  • How Tax Brackets Actually Work and Why You Shouldnt Fear a Raise

    How Tax Brackets Actually Work and Why You Shouldnt Fear a Raise
    2026/06/06
    Ever turned down a raise because you thought it would push you into a higher tax bracket and leave you with less money? Lucas and Luna bust that myth wide open. They explain how marginal tax brackets actually function in the US system, walk through the 2026 bracket thresholds, and show why only the money in the new bracket gets taxed at the higher rate — not your entire income. They use real numbers for a single filer earning $50,000 versus $60,000 to demonstrate that even with a bracket jump, you keep more after taxes. The episode also covers how deductions and credits lower your effective rate, why the fear of bracket creep is mostly overblown, and what actually causes your tax bill to spike — like the net investment income tax or phaseouts. If you've ever hesitated to negotiate a raise or take on extra work because of taxes, this episode will change your mind. #TaxBrackets #MarginalTaxRate #2026TaxBrackets #EffectiveTaxRate #BracketCreep #RaiseMyth #TaxPlanning #PersonalFinance #TaxStrategy #IRS #TaxReturns #MarginalVsEffective #Deductions #Credits #Finance #FexingoBusiness #BusinessPodcast #TaxPodcast Keep every episode free: buymeacoffee.com/fexingo
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    11 分
  • How the Foreign Tax Credit Prevents Double Taxation

    How the Foreign Tax Credit Prevents Double Taxation
    2026/06/06
    Lucas and Luna break down the Foreign Tax Credit (FTC), one of the most powerful tools for Americans with foreign investments or overseas income. Using a concrete example—a U.S. investor who holds shares of a German company and pays 15% German withholding tax on dividends—they walk through how Form 1116 works, the per-country and overall limitations, and the tricky interaction with the Qualified Business Income Deduction. They also explain why the FTC is a credit, not a deduction, and how carryover rules let you salvage unused credits for up to 10 years. If you own international ETFs, work abroad, or have foreign rental income, this episode gives you the specific numbers and rules you need to avoid paying tax twice. #ForeignTaxCredit #Form1116 #DoubleTaxation #InternationalInvesting #DividendWithholdingTax #TaxTreaties #PassiveIncome #GeneralCategoryIncome #PerCountryLimitation #CarryoverRules #QualifiedBusinessIncomeDeduction #Form1099DIV #GermanWithholdingTax #USExpats #ForeignRentalIncome #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo
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    12 分
  • How the Backdoor Roth IRA Works in 2026

    How the Backdoor Roth IRA Works in 2026
    2026/06/05
    Lucas and Luna break down the Backdoor Roth IRA strategy for 2026, using a concrete example: a high-income earner named Jen who earns $180,000 and is phased out of direct Roth IRA contributions. They walk through the two-step process—making a nondeductible traditional IRA contribution and converting it to Roth—and explain the pro-rata rule that can trigger unexpected taxes if you have existing pre-tax IRA balances. Lucas flags the key risk: if Jen has a $50,000 rollover IRA from an old 401(k), only 20 percent of her conversion would be tax-free. They discuss strategies to avoid the pro-rata trap, including rolling pre-tax IRA funds into a current 401(k) if the plan allows. The episode also covers the Mega Backdoor Roth for those with access to after-tax 401(k) contributions, and notes pending legislation that could eliminate the Backdoor Roth entirely. No prior episode has covered Roth conversion strategies at this level of specificity. #BackdoorRothIRA #RothIRA #RothConversion #ProRataRule #IRAStrategy #RetirementPlanning #TaxStrategy #HighIncome #TraditionalIRA #401k #MegaBackdoorRoth #AfterTaxContributions #TaxFreeGrowth #FinancialPlanning #Finance #FexingoBusiness #BusinessPodcast #TaxPodcast Keep every episode free: buymeacoffee.com/fexingo
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    8 分
  • How the Health Savings Account Triple Tax Advantage Works

    How the Health Savings Account Triple Tax Advantage Works
    2026/06/05
    Lucas and Luna break down the Health Savings Account (HSA) — the only tax vehicle that gives you a deduction on contributions, tax-free growth, and tax-free withdrawals for medical expenses. They walk through the 2026 contribution limits ($4,300 for individuals, $8,600 for families, plus $1,000 catch-up for 55+), explain who qualifies (must have a high-deductible health plan with minimum deductible $1,600/$3,200), and demonstrate how using the HSA as a long-term investment vehicle can build a six-figure medical nest egg. They also cover the 'last receipt' strategy where you pay expenses out of pocket now and reimburse yourself decades later, and the trap of missing the deadline to reimburse. No prior episode covered HSAs from this investment-centric angle. #HealthSavingsAccount #HSA #TaxAdvantage #TripleTaxAdvantage #HighDeductibleHealthPlan #HDHP #MedicalExpenses #TaxFreeGrowth #TaxFreeWithdrawal #TaxDeduction #2026Limits #RetirementHealthCare #LastReceiptStrategy #HSAInvesting #FexingoBusiness #BusinessPodcast #TaxStrategy #Finance Keep every episode free: buymeacoffee.com/fexingo
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    7 分
  • How Tax-Loss Harvesting Offsets Your Investment Gains

    How Tax-Loss Harvesting Offsets Your Investment Gains
    2026/06/04
    In this episode of The Tax Strategy Podcast, Lucas and Luna break down tax-loss harvesting—the strategy that lets investors use realized losses to offset capital gains and reduce their tax bill. Using a concrete example of an investor who sold a losing tech stock in June 2026, they explain how losses first offset gains of the same type, then any remaining losses can be deducted against ordinary income up to $3,000 per year. They also cover the wash-sale rule, which prevents you from claiming a loss if you buy a substantially identical security within 30 days before or after the sale, and discuss how to avoid it by using a different ETF or waiting. Lucas shares why he thinks 2026 is a particularly good year for this strategy given market volatility, and Luna cautions against letting tax considerations drive investment decisions. A clear, practical guide to a core tax-saving tool that every investor should understand. #TaxLossHarvesting #CapitalGains #InvestmentTaxes #WashSaleRule #TaxStrategy #PortfolioManagement #TaxPlanning #June2026 #LosingStocks #TaxDeduction #OrdinaryIncome #ETF #MarketVolatility #Finance #TaxSeason #FexingoBusiness #BusinessPodcast #TaxTips Keep every episode free: buymeacoffee.com/fexingo
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    12 分
  • How a Donor-Advised Fund Cuts Your Capital Gains Tax in 2026

    How a Donor-Advised Fund Cuts Your Capital Gains Tax in 2026
    2026/06/04
    In this episode, Lucas and Luna break down donor-advised funds (DAFs) as a powerful tax strategy for charitable giving with appreciated assets. Using a concrete example with NVIDIA stock, they show how donating shares instead of cash can eliminate capital gains tax entirely, reduce your income tax bill, and simplify giving. They cover the mechanics, the deduction limits, and the potential pitfalls like overfunding and legal restrictions on pledged assets. Perfect for anyone looking to align philanthropy with tax efficiency in 2026. #DonorAdvisedFund #CharitableGiving #CapitalGainsTax #TaxStrategy #NVIDIA #AppreciatedAssets #TaxDeduction #Philanthropy #Finance #TaxPlanning #FexingoBusiness #BusinessPodcast #WealthManagement #EstatePlanning #TaxEfficiency #StockDonation #IRS #2026Taxes Keep every episode free: buymeacoffee.com/fexingo
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    9 分