The Money Cruncher, CPA (@money_cruncher)

🚨IMPORTANT: 40 million Americans have an HSA, but most are using it like a checking account. Here's how the 1% uses their HSA and how you should too:...

Vanguard has 3 funds that can replace your savings account. 1. $VUSXX 2. $VBIL 3. $VMSXX Here are all the details:...

Did you own Money Market Funds, like Vanguard's $VMFXX or Fidelity's $SPAXX, or Treasury ETFs like $SGOV in 2024? If so, you must report them on your taxes correctly to avoid state and local tax. Many people miss this... Here's how to do it correctly:...

I researched 7 ways to park your cash savings to get a 4.5%+ yield. Don't let banks pay you 0-2%. Here's the list:...

Here is the biggest tax hack that many people don’t know: You could pay 0% tax and live off $150,000 per year. Let’s say you did extremely well in your early years and accumulated a good portfolio. You just turned 50 and thinking about the retirement. Here is how you can pay $0 in tax: If ...

Tax efficient placement is one of the most underrated tax strategies. Here's how you should optimize your portfolio and save money on taxes:...

Mega Backdoor Roth is the best loophole in the tax code. It allows you to contribute $50,000+ to a Roth IRA account every single year. Here's everything you need to know:...

529 plan is a tax-advantaged way to save for education. It's one of the best tools for investing in your child's future, yet 99% of people don't understand how it works. Here’s what you need to know:...