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Capital gains tax brackets for 2025 and 2026, and how the 3.8% NIIT stacks on top
Long-term capital gains are taxed on a completely different scale from your paycheck, and where you land on it depends o...
14 September 2026 · David Williams
HSA contribution limits for 2025 and 2026, and the eligibility rules that just changed too
The IRS raises the HSA contribution limit almost every year, and 2026 is no exception. What makes this year different is...
14 September 2026 · David Williams
FSA contribution limits for 2026, and what actually carries over
The IRS raised the 2026 health FSA contribution limit by $100 and the maximum carryover by $20 — routine, incremental ch...
14 September 2026 · David Williams
The SAVE plan is winding down — what that means for the borrowers still on it
The SAVE plan spent nearly two years blocked in court, with millions of borrowers parked in an interest-free forbearance...
14 September 2026 · Michael Johnson
The 2026 gift tax annual exclusion, and how it fits with the lifetime exemption
Almost nobody who gives an ordinary gift ever owes gift tax, and the reason is two separate allowances stacking on top o...
13 September 2026 · David Williams
Social Security COLA 2026: what the 2.8% raise actually means
The Social Security Administration announced a 2.8% cost-of-living adjustment for 2026 on October 24, 2025. It is bigger...
13 September 2026 · Daniel Garcia
What a rate change does to your mortgage payment
Central banks move rates in quarter points, and lenders pass them on in steps that look small on paper. Here is what eac...
12 September 2026 · Michael Johnson
How much can I borrow, and what does a lender actually count?
The number a lender will give you is not your salary times four. It is a payment they think you can still afford if rate...
12 September 2026 · Michael Johnson
Fixed or variable: how to choose the way your rate is set
The choice is not a forecast about rates. It is a question about how much a known payment is worth to your household, an...
12 September 2026 · Michael Johnson
The enhanced ACA subsidies expired for 2026 — here is what changed in your premium
The enhanced ACA premium tax credit was always temporary, and it lapsed on schedule at the end of 2025. Here is exactly...
24 August 2026 · Daniel Garcia
The 2026 IRS standard mileage rate, and the mid-year raise nobody expected
The IRS set the 2026 mileage rates in December as usual — then changed the business and medical rates again in July, som...
3 August 2026 · David Williams
The 2026 adoption tax credit: the new maximum, and who the phase-out reaches
A 2025 law made part of the adoption tax credit refundable for the first time ever, worth up to $5,120 in 2026 even with...
22 June 2026 · David Williams