Three "boring" tax strategies just got major upgrades in the One Big Beautiful Bill. Most high-income professionals will ignore them. That's could be a $1,000+ annual mistake. Here's exactly what changed and how much you can save:. ↓.

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The tax code has a little known feature: . Married couples can earn up to $126,700 annually in retirement completely TAX-FREE by combining the standard deduction with 0% capital gains rates. No sketchy schemes. Just strategic investing that could help you retire years earlier.

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That's it. If you want more insights like this:. 1. Follow me @ryanOpulus for more.2. RT the tweet below. Disclaimer: This is my experience working with high-income millennials. Not tax, financial, or legal advice. Always work with qualified professionals to understand your.

TL;DR — Enhanced Tax Strategies You Can Use Now. • SALT cap now $40k (through 2029).• Child credit up to $2,200.• Dependent care FSA up to $7,500.• Small wins that compound.• See if these apply to you.

While everyone chases complex tax strategies, these enhanced basics just got better. No fancy structures. No risky schemes. Just reliable, improvements to what you're already doing. Sometimes the best wealth-building moves are the boring ones that work year after year.

Think compound effect. In my example: ~$360 from SALT + ~$600 from child credits = ~$960 annually. Over 10 years? ~$9,600. That's potentially meaningful money toward my financial future.

Here's what most people miss:. They know about these changes but don't optimize for them. Consider whether these strategies apply to your situation. These are benefits you could potentially use every single year.

Each of these 3 tax breaks help. But don't expect these to revolutionize your tax situation. They're solid improvements to existing strategies that compound over time. The key? Actually using them.

Quick explainer: Dependent Care FSA is one of the most overlooked deductions I see families miss. If you're already paying for daycare, nanny, or after-school care while you work—make it tax deductible. You could save thousands depending on your tax bracket.

3. Dependent Care FSA Increase. • Old limit: $5,000.• New limit: $7,500. I can't use this as an S-Corp owner (over 2% shareholder rule). If you're W-2, that extra $2,500 could save a 24% bracket family $600 annually.

2. Child Tax Credit Increase. • Old amount: $2,000 per child.• New amount: $2,200 per child. This one's permanent and inflation-adjusted. In my case, I have three qualifying kids. That's an extra $600 per year for my family. Not huge, but it's real money.

My example continued:. ~$6,000 extra deduction pushes me ~$1,500 above the standard deduction. At my tax bracket, that's ~$360 back in my pocket. For families in CA or NY? This could mean thousands in savings. Your savings will vary based on your specific situation.

1. SALT Deduction Expansion. • Old limit: $10,000.• New limit: $40,000 (through 2029). Phase-out starts at $500k income. Back to $10k limit by $600k of income. In my situation, I pay ~$16,000 in state and local taxes. That's ~$6,000 more I can potentially deduct.

These aren't temporary fixes that'll disappear next year. Well, mostly. Two are permanent. One reverts to the old limit in 2030. All three have a an impact for high-income professionals. Here's how they might apply to your situation:.

RT @ryanOpulus: How amateurs pass down wealth:. • Wait until death.• Money arrives in 50s-60s.• Slightly better retirement. How pros do it:….

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If you like posts like this, you might enjoy my weekly newsletter, Opulus Method. • Strategies to cut your tax bill.• Tactics to work less, live more.• How to reach financial freedom faster. Join 1,600+ subscribers: