Rye Dogg

Independent with common sense

[hunter @hxxntrr]

You owe the IRS $100,000

They'll take $5,000 and close your file. Permanently. Balance goes to $0

It's called an Offer in Compromise. Form 656. The IRS approved 42% of them last year. Application fee: $205

Here's the exact formula they use to decide your number and how to reverse-engineer the lowest possible offer

The IRS doesn't want to chase you for 10 years. Collection employs 78,000 people. Each agent costs the agency $89,000/year in salary and overhead. Liens require court filings. Levies require processing. Garnishments require administration. They'd rather take your $5,000 check today than spend $120,000 in administrative costs over a decade trying to squeeze $100,000 out of someone who will never have it

They literally built a math formula to calculate the minimum they'll accept. Here it is:

RCP = (monthly disposable income x remaining collection months) + (net realizable equity in assets)

Monthly disposable income: your gross monthly income minus IRS-allowed living expenses. They don't use YOUR actual expenses. They use standardized tables published at the irs website standards. These tables set exact allowances by county for housing, food, transportation, healthcare, and out-of-pocket expenses

If you earn $4,200/month and the IRS allowable expense table for your county totals $3,900, your disposable income is $300/month. If you earn $3,800/month and the table allows $3,900, your disposable income is negative and the IRS considers it $0

Remaining collection months: for a lump sum offer (paid in 5 months or less), multiply disposable income by 12. For a periodic payment offer (paid over 6-24 months), multiply by 24. The lump sum multiplier is lower, which means a lump sum offer will always be cheaper than a payment plan offer. Always choose lump sum if you can

Net realizable equity in assets: bank accounts, investments, vehicles, real property. BUT they subtract allowances. Your primary car: exempt up to the IRS local standard (roughly $6,000-$10,000 in equity depending on area). Household furnishings: fully exempt. Retirement accounts: partially exempt and heavily discounted (the IRS applies a "quick sale value" of 60-80% of actual value because they know selling retirement accounts triggers penalties)

Real calculation:

Income: $4,200/month
IRS allowed expenses: $3,900/month
Disposable income: $300/month

Lump sum multiplier: 12 months
$300 x 12 = $3,600

Assets:
Bank account: $2,100
Car equity: $4,800 (below IRS exemption, counts as $0)
401k: $18,000 (quick sale value at 60% = $10,800, minus 10% early withdrawal penalty = $9,720, minus taxes at 22% = $7,582)
Household goods: exempt

But here's the part most people don't know: you can CHOOSE to exclude retirement accounts from the RCP calculation by checking a specific box on Form 433-A (OIC). The IRS has an internal policy (IRM 5.8.5.24) that allows exclusion of retirement assets for taxpayers under age 65 if liquidating those assets would cause economic hardship. Your tax preparer should know this. Most don't

Revised RCP without retirement: $3,600 + $2,100 = $5,700

Your offer: $5,700 on $100,000 in tax debt. 5.7 cents on the dollar

The nuclear part:

While the OIC is being reviewed (6-24 months), ALL collection activity legally stops. No levies. No new liens. No wage garnishment. The IRS cannot collect a single dollar from you while your offer is pending. This is codified in IRC Section 6331(k)(1)

And if the IRS fails to make a determination within 24 months of receiving your application, your offer is AUTOMATICALLY ACCEPTED. Two years of silence = you win by default. IRC Section 7122(f). They built an auto-accept clause into the law that most taxpayers never invoke because most taxpayers never file an OIC

The forms you need:

Form 433-A (OIC): complete financial disclosure for individuals. Every bank account, every asset, every income source, every expense. 8 pages. Fill it out accurately because they cross-reference against IRS records, DMV records, and financial institution reports. Lying on this form is a federal crime under 18 U.S.C. 1001

Form 656: the actual offer. Your amount, your payment terms, your signature

$205 application fee (waived if income is below 250% of federal poverty level, which is $38,100 for a single person in 2026)

Initial payment with the application: 20% of your offer for lump sum. On a $5,700 offer that's $1,140

A woman owed $213,000 across 4 tax years (2019-2022). Hadn't filed 2020 or 2021. Hadn't paid any of them. Receiving CP504 notices (intent to levy) every month. We filed the delinquent returns first (required before OIC submission), then calculated her RCP at $8,400. Submitted OIC with $1,680 initial payment

IRS accepted 9 months later. $213,000 settled for $8,400. 3.9 cents on the dollar

She went from getting levy notices every month to a $0 IRS balance. Then we fixed her credit (the tax lien had destroyed it). Then we stacked $120K in 0% business funding. She opened a cleaning company 4 months later. The same IRS that was garnishing her wages is now processing her quarterly estimated tax payments from a profitable business

the IRS is the scariest creditor in America. they can garnish without a court order. seize your bank account with 30 days notice. lien every asset you own. but they also built a form where they calculate the minimum they'll accept using a formula you can reverse-engineer, and if they don't respond in 2 years your offer is automatically approved. the math is public. the formula is published. the form costs $205. the difference between paying $100K and paying $5K is knowing it exists lol

(we fix credit and build capital stacks. if you owe back taxes, handle that first. then we get you funded. link in bio)

[Rye Dogg @DoggRye]

Listening to I Won't Be Here by The Marcus King Band on @PandoraMusic
https://t.co/AlBiQtNehr

[Rony @Ronycoder]

INSTEAD OF WATCHING A 2-HOUR MOVIE.

Watch this Anthropic Claude for Finance lecture.

It’s probably the best free hour in quant AI right now.

Bookmark it and watch it today, no matter what.

[Amit @HeyAmit_]

This 1 hour Yale lecture will teach you more about options trading & the exact models Hedge Funds use than most people learn in their entire careers on Wall Street.

Bookmark it and give it 1 hour today, no matter what.

[GENIX MEDS @genixmeds]

🚨 Updated Dr. William Makis Ivermectin & Fenbendazole Protocol

This is currently one of the most complete and referenced dosing frameworks for Ivermectin and Fenbendazole in cancer care.

The chart includes clear guidance on:

📌 IVERMECTIN DOSAGE:

· Low Dose (≤ 0.5 mg/kg):
Once daily; Best for remission, prevention, strong family history, and genetic predisposition.

· Medium Dose (1.0 mg/kg):
Once daily; Starting dose for most cancers.

· High Dose (2.0 mg/kg):
Once daily; For aggressive cancers (leukemia, pancreatic, brain).

· Very High Dose (≥ 2.5 mg/kg):
Once daily; For extensive metastatic disease and very poor prognosis cases.

----------------------------------------------------------

📌 FENBENDAZOLE DOSAGE:

· Low Dose (222mg/day, 3 days a week):
Remission, prevention, and maintenance.

· Medium Dose (222mg/day, 6 days a week):
Starting dose for most cancers.

· High Dose (444mg/day, 6 days a week):
Aggressive and Stage 4 cancers.

· Very High Dose (888-1000mg/day, 6 days a week):
Extensive metastatic disease.

----------------------------------------------------------

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- Take Ivermectin and Fenbendazole after a fatty meal for better absorption.

- Use Zeolite or Activated Charcoal as a binder at bedtime to help with die-off symptoms.

- Many people also take Milk Thistle daily for liver support.

----------------------------------------------------------

The chart also includes real patient case notes, side effect information, and important details like liver support recommendations.

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----------------------------------------------------------

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Save this for future reference.

[Rye Dogg @DoggRye]

Listening to Can You Hear Me by Korn on @PandoraMusic
https://t.co/e702LW9yS4

[Krishna Agrawal @Krishnasagrawal]

This guy in 16 minutes teaches you how to monetize a YouTube channel in just 9 days. Save it; it’ll be incredibly useful for you.

[Mushfiq Sajib @heysajib]

45 WEBSITES THAT MAKE YOU FINANCIALLY UNTOUCHABLE: 👇

1. investopedia. com → best free financial education for anyone worldwide

2. bogleheads. org → index fund wisdom that beats most professional advisors

3. mrmoneymustache. com → retire early on an ordinary salary anywhere

[Tulsi Soni @shedntcare_]

You can make $500 per day if you have:

1. A laptop
2. Wi-Fi
3. Time

Here are 10 Claude Prompts that pay you daily:

[Rye Dogg @DoggRye]

@adamemedia1 Can you say a special kind of stupid you are?

[hunter @hxxntrr]

Banks are giving away $250,000 at 0% interest and praying you never find out

seriously

They spend $4.2 billion a year advertising personal credit cards at 24.99% APR. That's the product they WANT you to buy. High interest. Low limits. Maximum profit for them

The product they NEVER advertise? Business credit cards at 0% APR for 12-18 months with limits 5-10x higher than any personal card you've ever seen

A 700 score gets you a $5K personal card at 22% interest
That same 700 score gets you a $30K BUSINESS card at 0% interest

Same person. Same score. Same bank. Different product. The bank makes money on one and loses money on the other... so guess which one they push?

They bury the 0% business cards behind business checking requirements and "projected revenue" fields that scare normal people away. Most Americans see the word "business" on a credit card application and think "that's not for me"

It IS for you. An LLC costs $50-200 and takes 10 minutes to form online. An EIN is free and takes 5 minutes from the IRS. A "business" checking account requires a $100 deposit. That's it. That's the barrier between you and $250K at zero interest

The stack:

Chase Ink Business Unlimited: $15-35K at 0% for 12 months
Chase Ink Business Cash: $15-30K at 0% for 12 months
Amex Blue Business Plus: $15-50K at 0% for 12 months
US Bank Triple Cash: $10-25K at 0% for 15 months
Capital One Spark: $15-40K

Apply to Chase and Amex on the same day (different bureau pulls... they can't see each other). Capital One the next day. US Bank day 3

Each bank thinks they're your only application because each one checks a different credit bureau. Chase pulls Experian. Capital One pulls TransUnion. They literally cannot see each other's inquiries

$80K-$250K approved in a single week. Depending on score and income. All at 0% interest. None of it reporting to your personal credit (business cards don't report balances personally... only defaults)

The bank is betting you'll carry the balance past the 0% window and start paying 24.99%. That's their entire business model on these cards. They LOSE money on every customer who pays it off in time

Your job is to be the customer they lose money on

People use this capital to fund real businesses. Buy inventory. Run ads. Cover payroll gaps between invoices. Put down payments on rental properties. Buy equipment. Or just hold $250K in available credit for when opportunity shows up

The SBA loan for the same $250K takes 90 days, 2 years of tax returns, a business plan, collateral, and costs $86,000 in interest at 8% over 10 years

The credit card path takes 8 minutes per application. Same day approval. $0 interest for 12-18 months

$250K at 0%... or $250K at 8% with 90 days of paperwork

Your loan officer knows both exist. He only gets commission on one of them. Guess which one he'll mention

(we build the full stack. bureau mapping + bank sequencing + application timing. average client deployment: $175K at 0%. link in bio)

[Rye Dogg @DoggRye]

@GuyAz Didn't you post the same thing a month ago?

[Elora khatun @elora_khatun]

GROK IS A STOCK TRADING GENIUS

MOST PEOPLE HAVE NO IDEA HOW TO USE IT.

HERE ARE 7 PROMPTS TO UNLOCK STOCK TRADING AUTOMATION:

[Rye Dogg @DoggRye]

@keller_eg12870 @ImBreckWorsham Eg is a fag

[Lauren Chen @TheLaurenChen]

The Los Angeles Mayoral Primary makes NO SENSE

So far, 723,000 votes have been counted, which they say is 83% of the expected vote.

This translates to an expected 870,000 votes total.

But the 2022 Mayoral Primary had only 646,000 votes cast.

LA's population has actually DECREASED slightly since 2022.

So why on earth are they expecting the 2026 Primary to have almost 35% more votes cast than in 2022?

With FEWER people living in LA???

[Rye Dogg @DoggRye]

Listening to Warning (feat. Stick Figure) by Pepper on @PandoraMusic
https://t.co/ukXAiwuDJK

[Rye Dogg @DoggRye]

Listening to Oh Sweet Nuthin' by Hollis Brown on @PandoraMusic
https://t.co/SR3wWGNJIi

[Rye Dogg @DoggRye]

Listening to Continental Breakfast by Courtney Barnett & Kurt Vile on @PandoraMusic
https://t.co/tblvQwq3QG

[Rye Dogg @DoggRye]

Listening to Jack-Ass by Beck on @PandoraMusic
https://t.co/6K7Z6xoYW6

[Ruben Hassid @rubenhassid]

People think learning Claude takes days. It doesn't.

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