High-yield savings accounts paid over 5% in 2024. By January 2026, most offer 4.00-4.35%—and they're still falling. This analysis examines where to allocate cash when HYSA rates no longer justify keeping substantial balances in savings: Treasury bills, CDs, money market funds, and ultra-short bond ETFs, with specific guidance on when each makes sense.
The One Big Beautiful Bill Act killed the $600 1099-K threshold. Starting in 2026, you'll only get a tax form from PayPal, Venmo, or other payment apps if you exceed $20,000 AND 200 transactions. Here's what changed, who's affected, and why you still owe taxes even without a 1099-K.
The old advice says "renting is throwing money away." In 2026, that is mathematically wrong. For most high-earners, buying a home is an "Equity Trap" that destroys liquidity and lowers returns. We break down the 5% Rule—the simple formula portfolio managers use to prove why renting is often the superior wealth-building strategy.
Most people treat their Health Savings Account (HSA) like a piggy bank for doctor visits. That is a costly mistake. The HSA is actually the "Super Roth"—the only investment vehicle in the US tax code with a triple tax advantage. Here is the exact protocol to turn your health plan into a tax-free retirement fortune.
Most high-earners obsess over getting a raise but ignore their purchasing power. A $100,000 income in New York provides the same lifestyle as just $45,000 in Texas. Stop letting high-tax states erode your wealth. Use our free Relocation Calculator to discover your "Real Wage" and see exactly how much cash you unlock by moving.
