Melanie Choong

Enrolled Agent: Helping families and small businesses uncover hidden tax savings.
Active community builder: Bringing people together around shared values.

[Melanie Choong @MelanieTruPhit]

🚨 YEAR-END SAVINGS CHEAT SHEET: Maximize Your Giving 🚨

Millions of people donate cash every year and blindly walk past perfectly legal financial leverage. Repost to save these 4 strategies for your end-of-year review:

✅ Skip the Capital Gains: Transfer highly appreciated stock (held over 1 year) directly via DTC. You pay $0 in capital gains and capture the full market value.
✅ The "Bunching" Loophole: Transfer stock into a Donor-Advised Fund (DAF) to "bunch" 2-3 years of giving. You capture a massive upfront financial benefit for 2026 while funding charities over time.
✅ Age 70½+ Traditional Retirement Plan Trick: Transfer up to $111k penalty-free directly from your Traditional Retirement Account using a Qualified Charitable Distribution (QCD).
✅ Age 73+ RMD Shield: Use that QCD to satisfy your 2026 Required Minimum Distribution (RMD) without adding a single dollar to your reported income or healthcare surcharges.

Are you taking advantage of this financial leverage?

[Melanie Choong @MelanieTruPhit]

🚨 TreasuryDirect users, don't get locked out! 🚨

The legacy login system is officially going away on October 28, 2026. You MUST link or create an https://t.co/FdwwD7VEUA wallet to access your account and investments starting on that date.

Do you actually need a TreasuryDirect account?

If you're just buying standard T-bills, a regular brokerage is way better for early liquidity and managing a unified portfolio. But TreasuryDirect is the ONLY place you can buy inflation-protected I-Bonds or easily manage U.S. savings bonds gifted directly to your kids.

Whatever your strategy, go update your login today so your funds aren't frozen during the transition! 💸

#TreasuryDirect #Investing #IBonds #PersonalFinance #TBills

[Melanie Choong @MelanieTruPhit]

@axhiii88547 Honestly, YouTube is better than x

[Melanie Choong @MelanieTruPhit]

@Rainmaker1973 So cute 🥰

[Melanie Choong @MelanieTruPhit]

@axhiii88547 Chrome on Mac here

[Melanie Choong @MelanieTruPhit]

@JesterJum Exactly!

[Melanie Choong @MelanieTruPhit]

@skumWgmi He can look into long-term rental assistance to see if he is qualified.

[Melanie Choong @MelanieTruPhit]

@Clara_Green95 They are so adorable 🥰

[Melanie Choong @MelanieTruPhit]

@AmeraucanaLover I believe 6 and above is considered large

[Melanie Choong @MelanieTruPhit]

@iam_biglad1 Budget -save-invest.repeat it again and again!!!

[Melanie Choong @MelanieTruPhit]

@NickpxJ YES

[Melanie Choong @MelanieTruPhit]

@jin_jung1988 Me🙋

[Melanie Choong @MelanieTruPhit]

@TrpstrLeonOG Too sad

[Melanie Choong @MelanieTruPhit]

@JJEnglander Is the rainbow behind the clouds?

[Melanie Choong @MelanieTruPhit]

@Harryslaststand Stay healthy!

[Melanie Choong @MelanieTruPhit]

@jeremyct You're correct! Nowadays more and more hospitals start charging parking. GOOD NEWS is you can claim the parking and mileage via medical FSA if your are the patient :)

[Melanie Choong @MelanieTruPhit]

@DesertCamelX @Jett_519 謝謝你那麼透明。

[Melanie Choong @MelanieTruPhit]

@sangsang2737 Thanks for posting!

[Melanie Choong @MelanieTruPhit]

@skumWgmi Did you go to the regular doctor's office or urgent care?

[Melanie Choong @MelanieTruPhit]

@2112jrm @skumWgmi This make sense

[Melanie Choong @MelanieTruPhit]

@DominickSGerard Of course!