Owner-employee's own company pays $5,250/yr toward the owner's student loans — tax-free to employee, deductible to business.
IRC §127 (expanded through 2025, likely extended) permits employers to pay up to $5,250/yr of an employee's qualified student loans TAX-FREE (no W-2 income, no FICA). Owners of S-corps/C-corps can pay themselves this benefit — must be offered under a written §127 plan available to all employees on non-discriminatory terms (small owner-heavy shops still qualify). $5,250 × spouse = $10,500/yr tax-free debt paydown.
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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.