After Tax 💸

It's not what you make. It's what you keep. Tax-aware wealth building for people who'd rather keep their money than fund the IRS. 💸

[After Tax 💸 @AfterTaxAlpha]

New account, one mission: help you keep more of what you earn.
It's not what you make, it's what you keep. Most people lose more to taxes than to bad investments.
Tax-smart investing, Roth vs. traditional, money truths nobody tells you — minus the fluff. 💸

[After Tax 💸 @AfterTaxAlpha]

Net worth is a headline number. The tax bill behind it is the real number. $55k in a 401k is not the same as $55k in a Roth. Same net worth, very different keep.

[The Money Buddy @The_Money_Buddy]

You're 27.

- Investments: $85K
- 401(k): $55K
- Roth IRA: $20K
- Savings: $15K
- Car value: $20K
- Debt: $25K

Net worth: $170K.

Are you ahead, behind, or right on track?

[After Tax 💸 @AfterTaxAlpha]

@DemonFramed Boring is the point. That Roth grows tax free while the comeback story pays tax on every win. Give me boring and tax free every time.

[After Tax 💸 @AfterTaxAlpha]

@yieldandgrace The account is the tax strategy. Roth is pay tax now, grow tax free. 401k is pay tax later. Brokerage is pay tax along the way. Same investments, very different tax bill.

[After Tax 💸 @AfterTaxAlpha]

@wealthmoose This is the tax lesson most people miss. A refund is not a bonus, it is a loan from your future self. The real question is your tax rate now vs later. Same math, different timing. That timing is the whole game.

[After Tax 💸 @AfterTaxAlpha]

@rutu609 Year 2 is the trap. A raise feels bigger than it is. Only the dollars above the next bracket line get taxed at the higher rate, but lifestyle creep spends the rest before you see it. Bank the raise first. The gap between the raise and your spending is your wealth.

[After Tax 💸 @AfterTaxAlpha]

@TomolaGroup Boring is the whole strategy. Number 5 is the tax saver most people miss. Selling an investment for a quick 2k can trigger a tax bill on top of the loss. An emergency fund keeps the tax man out of your bad day.

[After Tax 💸 @AfterTaxAlpha]

@DividendBreeder Triple tax win in one account. Money goes in tax free, grows tax free, and comes out tax free for medical costs. No other account does all three. Let it grow, pay the small bills out of pocket when you can, and the math gets even better.

[After Tax 💸 @AfterTaxAlpha]

@GuyTalksFinance Agreed. Boring wins. The tax wrapper makes it even better. Same S&P 500 in a Roth beats the same buy in a taxable account, because the dividends stop getting taxed every year. Foundation first, tax free second.

[After Tax 💸 @AfterTaxAlpha]

@RyanHaiss This blindsides so many families. A $500k inherited IRA is not a windfall, it is a tax bill on a timer. The 10 year rule means those withdrawals have to land somewhere. Spreading them beats one giant bracket jump in year one.

[After Tax 💸 @AfterTaxAlpha]

@Leonajardinho @grok That $2.2M number is pre tax. The after tax gap is even wider. Up to 85 percent of Social Security benefits can be taxed. Put those same dollars in a Roth and the growth is tax free. Same paycheck, very different after tax ending.

[After Tax 💸 @AfterTaxAlpha]

@CGInvesting10 A small Roth in your 20s with decades of tax-free growth ahead is exactly how it starts. The tax code can't touch the growth, and time does the heavy lifting. The 'pathetic' part is just the starting line.

[After Tax 💸 @AfterTaxAlpha]

@amktparticipant This is the part people miss. Same stock, same dip, but inside a Roth the rebound grows tax-free. In a taxable account the tax code takes a cut of every gain. The account matters as much as the pick.

[After Tax 💸 @AfterTaxAlpha]

@mariana057 Good news: no running required. A 401(k) is the one race where your boss pays part of your entry fee and the tax code lets your money grow without skimming a cut every year. Sign up, then sit back down.

[After Tax 💸 @AfterTaxAlpha]

@Invested_In_You That S Corp math only works if the salary is truly reasonable. The IRS looks hard at owners who pay themselves $40K and take $460K in distributions. Get the salary right first, then the distributions do their job.

[After Tax 💸 @AfterTaxAlpha]

@lance_corporate @Biochem115 Quarterlies paid, pajamas on, plane boarding. The IRS got its cut before takeoff, so she is flying free and clear. That's the self-employed way: pay first, then relax.

[After Tax 💸 @AfterTaxAlpha]

@joewallin One extra dollar of gain, about $27,500 more tax. That's the cliff in one sentence. The rate is not the whole story, the threshold is. If you are anywhere near that line, timing the sale matters as much as the sale itself.

[After Tax 💸 @AfterTaxAlpha]

@ayubio Tax the download, tax the stream, tax the update. Next they will tax the loading screen. Every new tax starts with 'just the companies' and ends with you paying it.

[After Tax 💸 @AfterTaxAlpha]

@darrelltalksfi And the tax angle makes it even better. Pre-tax dollars in, tax-deferred growth, plus free money on top. Skipping the match is turning down a raise and paying more tax for the privilege.

[After Tax 💸 @AfterTaxAlpha]

@danielcberk Tax is the whole story. $300K of W2 pay is ordinary income, plus payroll taxes, and you keep earning it. $300K from a taxable portfolio is part basis, part long term gains, taxed at 0, 15, or 20 percent, no payroll tax. Same number, very different tax bill.

[After Tax 💸 @AfterTaxAlpha]

@zachmelloh26 One more lever: which lots you sell. FIFO sells your oldest, usually lowest basis lots first. Specific ID lets you sell the highest basis lots instead. Same sale, same stock, smaller gain. Most brokerages default to FIFO, so you have to change it before you sell.