Capital Playbook, CPA

Advice for building, protecting, and compounding capital | Taxes • Investing • Cash Flow | Licensed CPA | not financial or tax advice

[Capital Playbook, CPA @CpaPlaybook]

I’m a 26 year old CPA.

I worked in public accounting for 2 years as an auditor.

I now work for a small CPA firm preparing individual taxes, business taxes, and perform year-end bookkeeping.

I personally invest in ETF’s and individual stocks as well.

Ask me anything!

[Capital Playbook, CPA @CpaPlaybook]

@SMB_Attorney Nah be delusional about everything and you’ll figure it out eventually. Bad take cuz all this does is make people not start. Realism ruins more dreams than anything else.

[Capital Playbook, CPA @CpaPlaybook]

@itsolelehmann Cowork

[Capital Playbook, CPA @CpaPlaybook]

If you're under 40 and the market drops 25%, celebrate quietly.

That's your chance to buy quality index funds on sale with 20+ years of compounding ahead.

Crashes are gifts to the faithful.

[Capital Playbook, CPA @CpaPlaybook]

Saw someone leasing a $65k SUV with $800/mo payments and "0% down."

Meanwhile, that same money invested at 8% over 5 years could be worth ~$60k.

Lifestyle inflation is the silent killer.

Buy what you can afford in cash or close to it.

[Capital Playbook, CPA @CpaPlaybook]

Biggest lesson from clients this year:

Track everything in real time (app or spreadsheet).

End-of-year panic misses deductions.
Start now for 2026.

[Capital Playbook, CPA @CpaPlaybook]

Dividend tip:

Hold stocks 61+ days around ex-dividend date for qualified dividends (lower tax rate).

Small rule, saves hundreds or thousands.

[Capital Playbook, CPA @CpaPlaybook]

Solo 401(k) hack: Contribute up to $69k+ as employee + employer.

Deduct it all, grow tax-deferred.

Great for high-earning freelancers.

[Capital Playbook, CPA @CpaPlaybook]

Self-employed health insurance premiums?

100% deductible above the line.

Huge if you're paying out of pocket.

[Capital Playbook, CPA @CpaPlaybook]

"I'm broke starter pack”:

- Checking: $36.74 (that's lunch money for the week)

- Savings: $20,000 (locked in the vault, don't even look at it)

- Investments: $200k (paper rich, ramen poor)

[Capital Playbook, CPA @CpaPlaybook]

You could live off $150k+ per year in retirement and pay $0 federal tax (if married).

Combine standard deduction, 0% capital gains bracket, and strategic withdrawals.

Plan ahead.

[Capital Playbook, CPA @CpaPlaybook]

Small changes that save real money:

- Automate 10–20% of each paycheck to investments

- Max Roth contributions early

- Review your withholdings once a year

- Track home office expenses if self-employed

Which one are you starting this week?

[Capital Playbook, CPA @CpaPlaybook]

@CompounderQuiet Let’s go!! Yessir

[Capital Playbook, CPA @CpaPlaybook]

I’m a 26 year old CPA.

I worked in public accounting for 2 years as an auditor.

I now work for a small CPA firm preparing individual taxes, business taxes, and perform year-end bookkeeping.

I personally invest in ETF’s and individual stocks as well.

Ask me anything!

[Capital Playbook, CPA @CpaPlaybook]

Own a home? Track every improvement you make (new roof, kitchen, HVAC).

Most people skip this and overpay capital gains tax when they sell.

It adds up to big savings.

[Capital Playbook, CPA @CpaPlaybook]

Amazon cut thousands of jobs, yet profits jumped 38% year over year.

Reminder: companies don't owe you loyalty.

Build your own emergency fund, invest, and be ready to move.

[Capital Playbook, CPA @CpaPlaybook]

When I worked at a Big 4 firm, I couldn't own individual stocks in certain companies due to conflict rules.

Congress can trade whatever they regulate and report it months late.

The rules are different for them.

[Capital Playbook, CPA @CpaPlaybook]

Married filing jointly in 2026?

You can pull ~$131,000 from a brokerage account and pay $0 federal tax on long-term gains (thanks to standard deduction + 0% bracket).

That's like earning $165k pre-tax without owing Uncle Sam.

Invest more.

[Capital Playbook, CPA @CpaPlaybook]

If you put $10k in the S&P 500 index five years ago, it's worth about $18k now.

Same amount in cash or short Treasuries? Around $12k.

Index funds still win long term.

[Capital Playbook, CPA @CpaPlaybook]

🚨 BREAKING: Average 2026 tax refund so far is $2,290, up about 11% from last year.

But fewer people are filing early this time.

File soon to get yours faster.