The Tax Triangle Most Investors Have Never Heard Of (SB1831)

About this episode

The episode discusses the importance of tax strategy in investing, focusing on the three-bucket tax triangle and answering listener questions about various financial topics.

Most people think about investing in terms of what to buy. Joe Saul-Sehy, OG, and CFP Anna Allem argue the more important question is where you put it. This week they break down the three-bucket tax triangle that could save you thousands in retirement, plus answer listener questions on Trump accounts, UTMAs, and how to pull together a home down payment when your money is locked up in all the wrong places. In this episode: The difference between pre-tax, brokerage, and tax-free investing and why you need all three, what the new Trump account actually does and who it makes sense for, how to build a home down payment when your assets are tied up in retirement accounts, and why flexibility in your tax strategy matters as much as the investments themselves. Biggest takeaways: Draw a triangle. Label each corner pre-tax, brokerage, and tax-free. Then draw your buckets to scale based on where your money actually sits. If one bucket dwarfs the others, that's your problem to solve before you touch anything else. The Trump account is not a traditional IRA, despite what the website implies. Money goes in after tax, grows tax deferred, and comes out taxable. For most people with a 529 and an…

People in this episode

Hosts: Joe Saul-Sehy, OG

Guest: Anna Allem

Topics covered

• tax strategy
• investing
• retirement planning
• financial education
• home down payment

Keywords

• tax triangle
• pre-tax investing
• brokerage accounts
• tax-free investing
• home down payment
• retirement accounts
• Trump account
• UTMA
• 529

Mentioned in this episode

Organizations: Trump account, UTMA, 529

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