The only triple-tax-free account — deduct in, grow tax-free, withdraw tax-free for medical.
HSA contributions are federal + state + FICA deductible (via payroll), grow tax-free, and come out tax-free for qualified medical any time in life (including reimbursement of receipts kept for decades). Max $4,300 single / $8,550 family + $1,000 catch-up (2025). Instead of using the HSA for current medical, pay out of pocket, save receipts in Google Drive, and invest the HSA in index funds — compound tax-free for 30 yrs, then reimburse decades of receipts in one tax-free withdrawal.
Click Generate advisory deep dive for mechanics, IRC citations, a step-by-step execution plan, a worked numeric example on your profile, costs, risks, and this-week actions.
Front-load depreciation on real estate to slash current-year taxes.
Turn W-2 income into tax-free passive rental losses.
Defer capital gains indefinitely by rolling into bigger real estate.
Defer + eliminate capital gains via OZ funds.
Rent your home to your business up to 14 days/year — tax-free.
Deduct 20% of pass-through business income.
Slash self-employment tax on profits above ~$50K.
Expense equipment, vehicles, and property in year one.