When TurboTax or H&R Block Make Sense

Live from Joe's mom's basement (where receipts go to be judged and spreadsheets fear OG), this episode tackles two big questions Stackers are asking right now. What's the best tax software for filing your 2025 return? And what should normal, long term investors make of gold, silver, and crypto taking a wild ride?

Joe Saul-Sehy and OG are joined by Robert Farrington from The College Investor to break down the tax software landscape without the marketing fluff. Because if you're our Stacker avatar, you don't want hype. You want something that works, doesn't overcharge you, and doesn't suddenly upsell you because you clicked the wrong box.

Then in the headline segment, the crew digs into the sharp pullback in precious metals and crypto. Is this the beginning of something bigger? A buying opportunity? Or just another reminder that chasing shiny objects (literally shiny in gold's case) can make your portfolio feel like a roller coaster?

As always, Doug brings trivia, there's some basement banter, and the team separates smart strategy from financial fashion trends.

Choosing the Right Tax Software (Without Overpaying):

• Why FreeTaxUSA might be the best overall value for most Stackers

• When TurboTax or H&R Block make sense and when you're just paying for bells and whistles

• The pros and limitations of truly free options like Cash App Taxes and Chime

• Why TaxSlayer can be a solid choice for student loan borrowers, landlords, and side hustlers

• What investors and crypto traders need to know about brokerage imports and the new 1099-DA form

• Why filing taxes is mostly data entry and where real tax planning can make a difference

• Simple tools to track mileage, expenses, and side hustle income without losing your mind

Bottom line: the best software isn't universal. It's the one that fits your situation without surprise fees.

Gold, Silver, and Crypto: What the Drop Means:

• Why assets without earnings (like gold and many cryptocurrencies) can swing wildly

• The danger of investing based on FOMO instead of a plan

• How concentration risk increases the range of possible outcomes, both good and bad

• Why short term volatility doesn't automatically change a long term strategy

• The risks of misinformation, including AI generated financial advice that isn't real

OG walks through how disciplined investors think during volatile moments: zoom out, revisit your allocation, and stick to your strategy instead of reacting emotionally.

The Big Takeaway:

Whether you're picking tax software or deciding what to do during a market drop, the lesson is the same. Choose tools that fit your life. Build a plan before the chaos hits. Don't let headlines or shiny objects hijack your strategy.

This Episode Is For You If:

• You're trying to pick tax software without getting ripped off

• Markets are making you nervous and you're not sure if you should do something

• You want to understand what's happening with gold and crypto without the hype

• You're looking for calm, practical guidance during a chaotic time

• You believe steady wealth beats chasing shiny things

Let's Hear From You:

What tax software are you using this year and why? When markets get volatile, what helps you stay disciplined? Share your thoughts in the Spotify comments or The Basement Facebook group. Your experience might help another Stacker avoid an expensive mistake.

FULL SHOW NOTES: https://stackingbenjamins.com/the-best-tax-software-2026-robert-farrington-1805

Deeper dives with curated links, topics, and discussions are in our newsletter, The 201, available at https://www.stackingbenjamins.com/201

Enjoy!

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