Contrarian Tax Planning Tips | Cody Garrett & Sean Mullaney | 179

43 snips

Nov 16, 2025

Guest

Cody Garrett

Guest

Sean Mullaney

In this engaging discussion, Sean Mullaney, the 'FI Tax Guy' and CPA, teams up with Cody Garrett, a Certified Financial Planner and founder of Measure Twice Financial. They challenge conventional tax advice and share eye-opening strategies from their book on tax planning for early retirement. Learn essential year-end tax tips for late starters, discover the benefits of donor-advised funds, and unravel drawdown principles to optimize retirement income. Their insights aim to demystify taxes and empower listeners to plan fearlessly!

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ADVICE

Prioritize Deductions To Catch Up Fast

Late starters should prioritize deductions to increase savings and investing power today.
Max out pre-tax workplace retirement and HSA contributions to accelerate catching up.

ADVICE

Bunch Charitable Gifts In A Donor Fund

Use a donor-advised fund this year to bunch appreciated securities and capture full deduction before new 2025 haircuts.
Donate into the DAF now and grant later to preserve tax value across years.

ADVICE

Max Pre-Tax Contributions First

Late starters should "deduct, deduct, deduct": favor traditional pre-tax workplace contributions first.
Use catch-up and super catch-up rules plus HSAs to amplify tax-advantaged savings.

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