If your 401(k) allows after-tax contributions + in-plan Roth conversions, funnel up to $46,500/yr into Roth.
2024 total 401(k) limit is $69K ($76.5K age 50+). After employee deferral ($23K) + employer match, remaining space can be filled with AFTER-TAX (not Roth) contributions, then converted in-plan to Roth (or in-service distributed to a Roth IRA). Total incremental Roth contribution: up to $46,500/yr. Requires plan to allow both (1) after-tax contributions and (2) in-plan Roth conversions or in-service withdrawals. Solo 401(k)s can be custom-designed to allow this. Over 20 years, $46K/yr at 8% = $2.3M tax-free.
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Multiply the $10M §1202 exclusion across multiple trusts.
4% corporate tax + 0% capital gains for bona fide residents.
Stack the $500K primary-home exclusion on top of a 1031 deferral.
Convert Traditional to Roth during sabbaticals or business-loss years.
Capitalize property taxes and interest on undeveloped land.
Deduct now, control forever, employ heirs.
Ordinary loss (not capital loss) on failed small biz — up to $100K.
Buy leveraged real estate inside your IRA — tax-deferred or tax-free.