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Capital gains, accounts and the IRS.
Selling investments at a loss can offset capital gains and up to $3,000 of ordinary income a year, but the wash-sale rule can quietly cancel the benefit. This guide explains how harvesting works, the 61-day window, the IRA trap, substantially identical funds, and when harvesting adds little.
Pre-tax retirement savings cannot stay sheltered forever. Required minimum distributions force withdrawals each year once you reach a set age. This guide explains which accounts are covered, when RMDs start, how the amount is calculated, the penalty for missing one and the rules for inherited accounts.
The IRS treats crypto as property, so selling it, swapping one coin for another or spending it can create a taxable gain, while staking and mining rewards count as income. This guide covers taxable events, cost basis, the new Form 1099-DA, NFTs and the records every crypto holder should keep.
Selling an investment for more than you paid creates a capital gain, and how long you held it decides the tax rate. This guide explains cost basis, short- and long-term rates, the net investment income tax, how losses offset gains, qualified dividends, and the forms the IRS expects.
The 401(k), traditional IRA and Roth IRA all offer tax breaks for retirement saving, but they differ on who can open them, when the tax benefit arrives, how much you can put in and how flexible withdrawals are. This guide lays out the rules side by side and explains the trade-offs between pre-tax and Roth saving.
