Investormint

Qualified Business Income (QBI) Deduction 2026: How Self-Employed and Freelancers Can Legally Save $10K–$15K in Taxes

If you’re self-employed and not claiming the Qualified Business Income deduction, you’re likely overpaying the IRS by thousands of dollars every year. The QBI deduction—formally called the Section 199A deduction—is one of the largest tax breaks available to fr...

Stock Options vs. RSUs vs. Restricted Stock: Understanding Startup Equity Compensation in 2026

Your job offer includes equity. The offer letter says “10,000 ISOs” or “5,000 RSUs” — and suddenly you’re calculating whether this changes your life or amounts to nothing. The answer depends entirely on which type of equity you’re receiving, when it vests, and what tax event trigger...

ESPP vs RSU Taxes: How Tech Employees Avoid Costly Mistakes and Maximize Equity Compensation Why Equity Tax Planning Costs Tech Employees Six Figures (And How to Avoid It)

For most tech employees, equity compensation is not a bonus—it is the bulk of total income. Depending on company stage and level, RSUs, ESPPs, and stock options routinely represent 30–70% of annual compensa...

The College 529 Plan Strategy: Can You Redirect Funds to Roth IRAs After SECURE 2.0?

If you’ve been sitting on a 529 college savings account with money left over after your child graduates — or never needed the funds in the first place — SECURE 2.0 created a concrete exit strategy. Starting January 1, 2024, families can roll unused 529 assets directly into a Roth IRA for the ...

Cost Basis Accounting Methods: minimize taxes When You Sell Your Stocks

Most investors focus on picking the right stocks. Far fewer pay attention to which shares they sell—and that oversight can cost real money. The IRS allows you to choose how you...