Tax Insights & Guides

Straight talk about taxes from someone who spent 12 years inside the IRS.

Tipped Workers 25000 Deduction 2026

My bartender friend Dave texted me last Thursday at 11 PM. "Dude, I heard tipped workers can deduct $25,000 now. Is this real or did my regular lie to...

July 23, 2026 8 min read INVESTMENTS

The Irs Letter That Made Me Realize I Had Been Doing My Taxes Wrong For Years

The IRS Letter That Made Me Realize I Had Been Doing My Taxes Wrong for Years I opened the envelope on a Saturday morning in February. The return addr...

July 10, 2026 8 min read INVESTMENTS

Owe How Much Turbotax Moment Real Accountant

The number on the screen was red. Not a gentle pink. Not a warning orange. A violent, screaming red that said I owed the IRS $4,200. I stared at it fo...

July 06, 2026 8 min read INVESTMENTS

Phoenix Heat Tax Credits Energy

Why My Tax Calculator Missed $1,200 in Energy Credits—And the IRS Didn't Care James Whitfield I was doing my taxes in April, using the online tax calc...

July 06, 2026 8 min read INVESTMENTS

I Owe The Irs 4200

I Owe the IRS $4,200 Because I Trusted TurboTax's 'Maximum Refund' Promise I made a mistake. I need to say that first, because what follows involves a...

June 24, 2026 8 min read INVESTMENTS

Tax Loss Harvesting: A Practical Guide for 2026 - Tax Calc Tool

Tax Loss Harvesting: A Practical Guide for 2026 My phone buzzed during dinner last November. Jennifer gave me that look—the one that says

May 10, 2026 8 min read INVESTMENTS

HSA Triple Tax Advantage: The Most Underrated Tax Tool - Tax Calc Tool

HSA Triple Tax Advantage: The Most Underrated Tax Tool I was reviewing a client's tax return last month when I noticed something odd. $7,300 deductio...

May 01, 2026 8 min read INVESTMENTS

S-Corp vs Sole Proprietor: Which Saves More Tax in 2026? - Tax Calc Tool

S-Corp vs Sole Proprietor: Which Saves More Tax in 2026? I was at a barbecue joint on South Lamar last month—one of those places where the brisket fa...

April 22, 2026 8 min read INVESTMENTS

Estimated Tax Safe Harbor: The 90% vs 100% vs 110% Rule - Tax Calc Tool

Estimated Tax Safe Harbor: The 90% vs 100% vs 110% Rule A client walked into my Austin office last March looking like he had not slept in weeks. Dark...

April 15, 2026 8 min read INVESTMENTS

Child Tax Credit 2026: What Changed and What Didn't - Tax Calc Tool

Child Tax Credit 2026: What Changed and What Didn't Olivia came home from school last month waving a paper.

April 08, 2026 8 min read INVESTMENTS

IRS Audit Red Flags: What I Looked for as a Revenue Agent - Tax Calc Tool

IRS Audit Red Flags: What I Looked for as a Revenue Agent I spent twelve years wearing an IRS badge. Not the scary kind you see in movies—just a gove...

April 01, 2026 8 min read INVESTMENTS

2026 Retirement Contribution Limits: 401k, IRA, and SEP - Tax Calc Tool

2026 Retirement Contribution Limits: 401k, IRA, and SEP Jennifer and I sat down for our annual

March 22, 2026 8 min read INVESTMENTS

Standard vs Itemized: Why Most People Shouldn't Itemize Anymore - Tax Calc Tool

Standard vs Itemized: Why Most People Should Not Itemize Anymore My mother-in-law called me last week. She itemizes. Has itemized for forty years.

March 15, 2026 8 min read INVESTMENTS

Quarterly Tax Deadlines 2026: Don't Miss June 15 - Tax Calc Tool

Quarterly Tax Deadlines 2026: Do Not Miss June 15 I was driving Olivia to soccer practice last Tuesday when my phone buzzed. A client text:

March 08, 2026 8 min read INVESTMENTS

QBI Deduction is Now Permanent: How to Maximize Your 20% - Tax Calc Tool

QBI Deduction is Now Permanent: How to Maximize Your 20% I was at the Austin CPA Society dinner last month when the news broke. Someone checked their...

March 01, 2026 8 min read INVESTMENTS

I Moved from California to Texas: A Real Tax Comparison - Tax Calc Tool

I Moved from California to Texas: A Real Tax Comparison The U-Haul truck pulled into our Austin driveway on August 14, 2019. Jennifer was eight month...

February 18, 2026 8 min read INVESTMENTS

Crypto Tax Reporting in 2026: What the IRS Now Requires - Tax Calc Tool

Crypto Tax Reporting in 2026: What the IRS Now Requires My phone rang at 6:47 PM last Thursday. I almost did not answer—Jennifer had just put dinner ...

February 10, 2026 8 min read INVESTMENTS

Home Office Deduction: Simplified vs Actual Method in 2026 - Tax Calc Tool

Home Office Deduction: Simplified vs Actual Method in 2026 Jennifer walked into my office last month holding a stack of papers.

February 03, 2026 8 min read INVESTMENTS

The 7 Tax Mistakes Every Freelancer Makes (I Audited Hundreds of Them) - Tax Calc Tool

The 7 Tax Mistakes Every Freelancer Makes (I Audited Hundreds of Them) Three years ago, I audited a freelance graphic designer in Dallas. Nice guy. C...

January 22, 2026 8 min read INVESTMENTS

What the OBBBA Actually Changed for Your 2026 Taxes - Tax Calc Tool

What the OBBBA Actually Changed for Your 2026 Taxes I was sitting in my home office last Tuesday, Cooper snoring at my feet, when a client emailed me...

January 15, 2026 8 min read INVESTMENTS