Susan's ScoopWhen Should You Donate? A 2025–2026 Tax Timing Hack I hope everyone who celebrates is enjoying a cozy and restful Thanksgiving! My older son is home from school for the first time in three months, and I’m so grateful to have our family feeling “complete” again. I’m also celebrating a big professional milestone - I passed my final Enrolled Agent certification exam, which means I can now support clients with more advanced tax strategy and represent them directly in front of the IRS. 🙌 If you’re anything like me, this time of year brings two things: gift-buying chaos and the sudden realization that you’re behind on charitable donations you meant to make months ago. End-of-year giving always seems to pile on top of everything else. But this year, because of the new tax bill (OBBBA), it’s worth rethinking when you donate. Under current rules, if you take the standard deduction, you don’t get any extra deduction for charitable giving. But starting in 2026, standard-deduction filers will be eligible for up to a $1,000 charitable deduction (single) or $2,000 (married filing jointly) on top of the standard deduction. However, if you itemize, OBBBA reduces the amount of charitable giving you’ll be allowed to deduct starting in 2026. What does this mean for you? If you take the standard deduction: If you itemize: Want to Dive Deeper? Join Us Next Week. We’re covering this donation-timing hack - and other powerful year-end tax moves like SALT bundling and Roth conversions - at next week’s FREE Wealth Wednesday webinar on December 3rd at 1pm CT! I’ll also walk through three case studies showing how real people earn six figures and still pay next to nothing in taxes. If lowering your tax bill is on your 2025 wish list, you definitely don’t want to miss this one. Past attendees have told us these sessions have truly changed their lives - and helped them save tens of thousands of dollars every year.
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Caitlin's Corner What Our First “Santaless” Christmas is Teaching Us So Far As the holidays approach, I know that not everyone in our community celebrates Christmas, and those who do, celebrate in different ways. Our family’s version is a very secular, winter-marking ritual: a way to bring light into the dark season by connecting with people we love, and celebrating the joys that lift our spirits during these cold months. Of course, if you ask our kids, they’d tell you it’s about one thing:...
Caitlin's Corner Tax Jargon, Clarified Every year around this time, it feels like the air gets thick with tax terms. They float around in headlines, in HR emails, in conversations we didn’t ask to be part of: "Brackets! Deductions! Credits! Limits…" If hearing all of that makes your eyes glaze over, you’re in good company. I remember when these terms made me want to bury my head in the sand. It so often felt like the tax language itself was weaponized, like- the sheer amount of jargon and...
Susan's Scoop What I'm Learning as our Health Insurance Costs TRIPLE 😳 It’s open season for health insurance right now in the U.S., and it’s been… a ride. Both politically and personally. Caitlin and I have been deep in the weeds comparing ACA plans in our respective states (Colorado and Texas) to find something that fits our families. The cost for my family’s current plan has more than tripled (!!!), so we’ll be switching plans - but even the “cheaper” ones are still more than double what...