The Capital Gains Tax Is a Flat Tax

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For most in the united states, the capital ganes tax is a flat tax. So if you sell it all at once, the tax rate's going to be the same for most people as if you do it a limit at a time. That said, keeping four out of five dollars isn't a bad rate when compared to earning 600 thousand dollars a year through w two w two income yeas or through through income that's passed through income to your personal taxes.

#362: David is questioning how to better manage his spending. He’d like a stronger framework to think through budgeting challenges.

Elisa and her husband bought a home, and now they’re saving extra income every month. She has a pension and her husband is an entrepreneur. How much should they be saving for retirement and how should they invest their extra money?

Geoff invested primarily in taxable brokerage accounts for the last twenty years. He’s built a $6 million portfolio and reached financial independence. He wonders about the smartest strategy for withdrawing from those taxable brokerage accounts to efficiently manage capital gains?

Jenna and her husband are planning on buying their next home in a few years. She wants to know if I-bonds are a good way to save for the down payment and closing costs.

Former financial planner Joe Saul-Sehy and I tackle these four questions in today’s episode.

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