Tax Insights & Guides

Straight talk about taxes from someone who spent 12 years inside the IRS.

Austin Freelancer Tax Mistake

The Freelancer Tax Mistake I See Every April in Austin | Tax Calc Tool Cooper was snoring at my feet last Tuesday when a client named Derek walked int...

July 31, 2026 8 min read INVESTMENTS
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Tipped Workers 25000 Deduction 2026

My bartender friend Dave texted me last Thursday at 11 PM. "Dude, I heard tipped workers can deduct $25,000 now. Is this real or did my regular lie to...

July 23, 2026 8 min read INVESTMENTS
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The Irs Letter That Made Me Realize I Had Been Doing My Taxes Wrong For Years

The IRS Letter That Made Me Realize I Had Been Doing My Taxes Wrong for Years I opened the envelope on a Saturday morning in February. The return addr...

July 10, 2026 8 min read INVESTMENTS
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Owe How Much Turbotax Moment Real Accountant

The number on the screen was red. Not a gentle pink. Not a warning orange. A violent, screaming red that said I owed the IRS $4,200. I stared at it fo...

July 06, 2026 8 min read INVESTMENTS
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Phoenix Heat Tax Credits Energy

Why My Tax Calculator Missed $1,200 in Energy Credits—And the IRS Didn't Care James Whitfield I was doing my taxes in April, using the online tax calc...

July 06, 2026 8 min read INVESTMENTS
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I Owe The Irs 4200

I Owe the IRS $4,200 Because I Trusted TurboTax's 'Maximum Refund' Promise I made a mistake. I need to say that first, because what follows involves a...

June 24, 2026 8 min read INVESTMENTS
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Tax Loss Harvesting: A Practical Guide for 2026 - Tax Calc Tool

Tax Loss Harvesting: A Practical Guide for 2026 My phone buzzed during dinner last November. Jennifer gave me that look—the one that says

May 10, 2026 8 min read INVESTMENTS
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HSA Triple Tax Advantage: The Most Underrated Tax Tool - Tax Calc Tool

HSA Triple Tax Advantage: The Most Underrated Tax Tool I was reviewing a client's tax return last month when I noticed something odd. $7,300 deductio...

May 01, 2026 8 min read INVESTMENTS
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S-Corp vs Sole Proprietor: Which Saves More Tax in 2026? - Tax Calc Tool

S-Corp vs Sole Proprietor: Which Saves More Tax in 2026? I was at a barbecue joint on South Lamar last month—one of those places where the brisket fa...

April 22, 2026 8 min read INVESTMENTS
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Estimated Tax Safe Harbor: The 90% vs 100% vs 110% Rule - Tax Calc Tool

Estimated Tax Safe Harbor: The 90% vs 100% vs 110% Rule A client walked into my Austin office last March looking like he had not slept in weeks. Dark...

April 15, 2026 8 min read INVESTMENTS
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Child Tax Credit 2026: What Changed and What Didn't - Tax Calc Tool

Child Tax Credit 2026: What Changed and What Didn't Olivia came home from school last month waving a paper.

April 08, 2026 8 min read INVESTMENTS
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IRS Audit Red Flags: What I Looked for as a Revenue Agent - Tax Calc Tool

IRS Audit Red Flags: What I Looked for as a Revenue Agent I spent twelve years wearing an IRS badge. Not the scary kind you see in movies—just a gove...

April 01, 2026 8 min read INVESTMENTS
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2026 Retirement Contribution Limits: 401k, IRA, and SEP - Tax Calc Tool

2026 Retirement Contribution Limits: 401k, IRA, and SEP Jennifer and I sat down for our annual

March 22, 2026 8 min read INVESTMENTS
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Standard vs Itemized: Why Most People Shouldn't Itemize Anymore - Tax Calc Tool

Standard vs Itemized: Why Most People Should Not Itemize Anymore My mother-in-law called me last week. She itemizes. Has itemized for forty years.

March 15, 2026 8 min read INVESTMENTS
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Quarterly Tax Deadlines 2026: Don't Miss June 15 - Tax Calc Tool

Quarterly Tax Deadlines 2026: Do Not Miss June 15 I was driving Olivia to soccer practice last Tuesday when my phone buzzed. A client text:

March 08, 2026 8 min read INVESTMENTS
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QBI Deduction is Now Permanent: How to Maximize Your 20% - Tax Calc Tool

QBI Deduction is Now Permanent: How to Maximize Your 20% I was at the Austin CPA Society dinner last month when the news broke. Someone checked their...

March 01, 2026 8 min read INVESTMENTS
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I Moved from California to Texas: A Real Tax Comparison - Tax Calc Tool

I Moved from California to Texas: A Real Tax Comparison The U-Haul truck pulled into our Austin driveway on August 14, 2019. Jennifer was eight month...

February 18, 2026 8 min read INVESTMENTS
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Crypto Tax Reporting in 2026: What the IRS Now Requires - Tax Calc Tool

Crypto Tax Reporting in 2026: What the IRS Now Requires My phone rang at 6:47 PM last Thursday. I almost did not answer—Jennifer had just put dinner ...

February 10, 2026 8 min read INVESTMENTS
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Home Office Deduction: Simplified vs Actual Method in 2026 - Tax Calc Tool

Home Office Deduction: Simplified vs Actual Method in 2026 Jennifer walked into my office last month holding a stack of papers.

February 03, 2026 8 min read INVESTMENTS
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The 7 Tax Mistakes Every Freelancer Makes (I Audited Hundreds of Them) - Tax Calc Tool

The 7 Tax Mistakes Every Freelancer Makes (I Audited Hundreds of Them) Three years ago, I audited a freelance graphic designer in Dallas. Nice guy. C...

January 22, 2026 8 min read INVESTMENTS
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What the OBBBA Actually Changed for Your 2026 Taxes - Tax Calc Tool

What the OBBBA Actually Changed for Your 2026 Taxes I was sitting in my home office last Tuesday, Cooper snoring at my feet, when a client emailed me...

January 15, 2026 8 min read INVESTMENTS
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