Doctor-prescribed nutrition, meal delivery, and vitamins can qualify as HSA/FSA expenses.
With a Letter of Medical Necessity (LMN) from a physician, HSA/FSA funds can pay for: medically-supervised weight loss programs, prescribed nutrition counseling (RDN), doctor-recommended supplements, diabetic/celiac/allergen-restricted meal delivery (Factor, ModifyHealth), CGMs and glucose monitoring. Uses PRE-TAX dollars — a 35% marginal bracket saves $350 on every $1,000 of qualifying spend. Also: breast pumps + lactation supplies, prenatal vitamins.
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Deduct half of client, prospect, and travel meals — bulletproof with the right log.
Break-room coffee, snacks, and water — 100% deductible, not 50%.
Free meals to employees on business premises — deductible to employer, tax-free to worker.
Use federal per diem rates for travel meals — deduct without receipts.
Restaurant owners recover employer FICA paid on employee tips as a dollar-for-dollar tax credit.
10-year SBA 7(a) or 25-year 504 to buy, build, or refi a restaurant — 10% down.
USDA guarantees loans up to $25M for food businesses in towns <50K population.
Run 3–8 delivery-only brands from one kitchen; each new brand adds revenue at ~zero incremental fixed cost.