Money Guy Show Tax Tips To Beat The IRS By Age (Legally!)
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Feb 20, 2026 Practical tax planning tips organized by decade, from simple rules for twenties to catch-up strategies later in life. How to use Roths, HSAs, employer matches and stacking accounts to shape future tax bills. Timing tricks like Roth conversions, tax-loss harvesting and accelerating gains get attention. Strategies for charitable bunching, spousal IRAs and preparing withdrawal-era tax moves are covered.
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Three Buckets Control Future Taxes
- Build across three tax buckets: tax-free, tax-deferred, and taxable to control future withdrawal tax rates.
- A balanced bucket strategy can materially lower lifetime taxes in retirement.
Ivan vs Manny Case Study
- Inefficient Ivan saved only in pre-tax accounts and paid far more in retirement taxes.
- Manny the Mutant diversified across buckets and kept his effective retirement tax rate near 2%, leaving him $20k more to spend.
Use Child Tax Breaks
- Claim child-related tax credits like the child tax credit and the child and dependent care credit when eligible.
- Use dependent care FSAs to fund childcare pre-tax up to $5,000 per household if your employer offers it.