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@money_cruncher Avatar @money_cruncher The Money Cruncher, CPA

The Money Cruncher, CPA, has been actively posting about the new tax bill and its implications on various financial topics. The most important thing happening lately is the explanation of changes to tax laws, including deductions for car loan interest, overtime pay, and XXX savings plans, as well as updates on 1099-K reporting thresholds. The CPA is also providing guidance on investing and financial planning, such as options for savings accounts and investment strategies.

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Social Influence

Social category influence finance #3219 stocks XXXX% technology brands XXXX% automotive brands XXXX%

Social topic influence if you 13.43%, money #1097, $vti #4, capital gains #119, invested #169, $100k #191, 100k #960, 401k #6, $vgt #5, tax bracket #151

Top accounts mentioned or mentioned by @rafaelnegronx @t_monster @taxguy1065 @doranbets @r_mi11er_ @welltrending @victorcashflow @jr88030 @willydiba7 @pablugablu @redimine @andrewtweller @pdoherty972 @itsmeshhhhhhh @redrover1941 @cashclarityfce @chillcatser @shawn040524 @gatorgoldx @eberryman8

Top assets mentioned Costco Wholesale Corporation (COST) SPDR S&P XXX ETF Trust (SPY)

Top Social Posts

Top posts by engagements in the last XX hours

"🚨BREAKING: New proposed law could completely change how HSAs work. And nobody is talking about this. Here's what you need to know:"
X Link 2025-11-27T18:33Z 149.5K followers, 141.9K engagements

"If you have a modest income you should harvest gains. Capital gains on stocks/ETFs can be taxed at X% if your gross income is less than $64100 (single) or $128200 (married) This means that you can sell then rebuy right away stocks/ETFs to increase your cost basis & pay less taxes in the future. (might be subject to state tax)"
X Link 2025-11-29T00:08Z 149.5K followers, 77.1K engagements

"I want to sell $100000 of stocks and gift cash to my child Dont do that. You will have to pay capital gains tax. Gift shares instead and let them sell. Your adult child might be in a X% capital gains tax bracket and pay $X in tax if they spread it out. Smart tax planning"
X Link 2025-11-29T19:06Z 149.5K followers, 31K engagements

"Wealth hack if you shop at Costco: Get a Merrill Lynch account transfer $100k of ETFs in there. This will get you a Platinum Honors tier with BoA. Get a BoA Customized Rewards CC. Set it for online purchases which will give you X% * XXXX = XXXX% CB. Buy $2500/quarter (max rewards) of Costco Shop Cards. XXXX% + X% Costco Executive = XXXX% discount on every purchase. You're welcome"
X Link 2025-11-29T21:08Z 149.5K followers, 903.2K engagements

"This chart shows median income based on educational attainment. Generally people with degrees make more than people without. College isnt a scam but please dont get $100k of student loans for a literature degree"
X Link 2025-11-30T14:22Z 149.5K followers, 15.7K engagements

"Saw someone get a car loan from SBNA with a XXXXX% APR. $35225 of estimated interest Probably is more than the car is even worth Dont do this"
X Link 2025-12-05T00:42Z 149.5K followers, 12.6K engagements

"$100K in 2020 is the same as $125K in Sep 2025. This means that if you didnt receive a total raise of XX% over the last X years you got a pay cut. Job hop"
X Link 2025-12-06T03:40Z 149.5K followers, 62K engagements

"many finance bros say dont max out your 401k just get the match you cant early retire with 401k but thats wrong because you have: X. rule of XX (can pull at XX if you quit your job) X. 72t plan (can pull at any time w/ a plan) X. roth conversion ladder Max your 401k"
X Link 2025-12-06T19:51Z 149.5K followers, 64.5K engagements

""Should I pay off debt or invest" How I think about it: X. sign up for 401k up to the match regardless of debt X. pay off any debt 7%+ X. dont touch any loans with under X% X. 4-7% is tricky. Depends on liquidity risk tolerance and timeline. Go 50/50 if you can't decide"
X Link 2025-12-09T14:20Z 149.5K followers, 28.2K engagements

"Good reminder: There's no such thing as a good deal on something you don't need. XX% off means you still wasted money if you don't actually need that thing"
X Link 2025-12-10T05:02Z 149.5K followers, 18.8K engagements

"Please stop buying funds like these. XXXX% expense ratio is straight up robbery. I dont buy any fund with XXX% expense ratio. Fees compound"
X Link 2025-10-20T13:15Z 149.5K followers, 21K engagements

""I inherited $1M what should I do" I would: X. Set aside 6-12 months of emergency funds in a MMF X. Pay off any debt with interest of 7%+ X. Invest the rest in $VTI and $VGT What would you do"
X Link 2025-11-29T14:42Z 149.5K followers, 76.7K engagements

"I get triggered when I see screenshots like this There are millions of people holding $$$$ in a checking or savings account with XXXX% interest. This person is getting $18/yr of interest vs $7k in MMF with state tax benefits. Financial illiteracy is expensive"
X Link 2025-12-04T20:52Z 149.5K followers, 42.5K engagements

""Investing is complicated I don't know where to start Do this: X. Sign up for a 401k/403b. Contribute up to the match. Pick the S&P XXX fund. X. Open a Roth IRA. Fund directly or by Backdoor Roth. Choose something like $VTI. Adjust as you learn. Just get in the game"
X Link 2025-12-08T00:54Z 149.5K followers, 21.6K engagements

"Gambling is going to ruin your tax bill with the new tax bill. Gambling losses will now be only XX% deductible. Say you have $30k of winnings and $30k of losses net $X You will now have to pay taxes on $3k of winnings (assuming you itemize) even though you made no money"
X Link 2025-12-08T23:45Z 149.5K followers, 320.4K engagements

"My X core philosophies to get rich: X. Spend less than you make X. Invest consistently in low fee ETFs/index funds X. Minimize taxes by strategic planning X. Stay invested especially during turbulent times Personal finance doesn't have to be complicated"
X Link 2025-12-09T19:20Z 149.5K followers, 12K engagements

"When my wife and I bought our car I asked the finance guy what the highest APR hes ever seen was. He said 30%. More than a credit card APR This is why financial literacy needs to be taught in schools"
X Link 2025-12-10T03:41Z 149.5K followers, 16.2K engagements

"Trying to time the market is just another form of gambling. You can win a few times but the odds are never in your favor in the long term. That's why I invest consistently in index fund ETFs regardless of price for the long term. Odds are much better that way"
X Link 2025-12-10T14:08Z 149.5K followers, 11.4K engagements

"l often post about how your savings/emergency funds should be getting X% right now. Then I see a screenshot of $105k sitting in a WF account earning 0.01%. That's $4000/yr in extra interest for just X minutes of work. Wild"
X Link 2025-11-22T14:38Z 149.5K followers, 50.7K engagements

"I put $XXX in a 401k Employer matched with another $XXX But yes please tell me how 401ks are scams and you cant pull out early 🤦"
X Link 2025-11-25T01:59Z 149.5K followers, 186.7K engagements

"Interesting fact: The capital gains tax exemption ($250k/$500k) on the sale of your primary home hasn't been adjusted for inflation since 1997. It would be $500k/$1M today if adjusted. Congress should update it considering all the housing boom"
X Link 2025-11-27T01:47Z 149.5K followers, 47.2K engagements

"Average new car prices just hit a record high. $50000. That's almost $1000/mo with a X% interest rate over X years with taxes and fees. Please buy used and invest that difference instead"
X Link 2025-11-29T02:57Z 149.5K followers, 30.2K engagements

"Death and taxes are the only certain things in this world. Make sure you understand how taxes work: Tax gain harvesting tax loss harvesting real estate S corp gifting strategies capital gains planning deferrals Roth conversions etc I talk about these topics daily. Follow me @money_cruncher to learn from a CPA"
X Link 2025-11-30T22:21Z 149.5K followers, 19.5K engagements

"Rich people pay a substantial majority of the U.S taxes. The top X% of earners paid XX% of all federal income taxes. The top XX% paid XX% of national total. Rich people may have a lower effective tax rate due to incentives (e.g capital gains) but they pay a lot of $$$"
X Link 2025-12-02T05:15Z 149.5K followers, 22.9K engagements

"I dislike posts like $2000 invested in Amazon in 2005 would be $135459 now It encourages people to find the winning companies now. But since 2000 XX% of companies in Fortune XXX have gone bankrupt or ceased to exist. And what are the chances you would have held that stock during 2008/2009 Dont chase the next Amazon Apple or Nvidia. Just buy ETFs and chill"
X Link 2025-12-02T21:22Z 149.5K followers, 50.8K engagements

"If you want to invest in the S&P XXX ETF DONT buy $SPY. Buy $VOO instead. They both track the S&P XXX but $SPY has a XXXX% expense ratio when $VOO has a 0.03%. XXXX% difference can cost you X% of portfolio value over XX years. That could be thousands of dollars"
X Link 2025-12-03T00:48Z 149.5K followers, 39K engagements

"Want to make more money Job hop. Job hoppers get an avg pay raise of XXX% vs XXX% for those who stay in the role. Your job is not your family. 2-3 years and move on. Thats how you do it"
X Link 2025-12-04T00:09Z 149.5K followers, 66K engagements

"Markets can stay irrational longer than you can stay solvent. Dont chase the next big thing based on some predictions Invest in quality assets like $VTI $VOO consistently You wouldnt regret it"
X Link 2025-12-04T03:50Z 149.5K followers, 12.6K engagements

"I love Vanguards funds because of one simple reason: Vanguard's average ETF expense ratio is 0.05%. Industry average ETF expense ratio is 0.22%. Lower fees = more money in your pocket Its that simple"
X Link 2025-12-06T23:28Z 149.5K followers, 19.6K engagements

"Fidelity 401(k) hack: If your 401k with Fidelity and has bad investments check if you have access to BrokerageLink. It allows you to invest in a wider range of ETFs beyond the core options within your plan. It's a great way to lower fees if your plan allows"
X Link 2025-12-07T19:33Z 149.5K followers, 40K engagements

"Credit card debt is at $XXX TRILLION. But I don't think it's a big problem as everyone talks about and it wouldn't cause a recession. Credit card debt has consistently increased but so did the economy and consumer incomes over past 5-10 years. A better measure would be debt as a percentage of disposable income as it speaks directly about affordability. We can see that we are consistent with the levels we had since 2013s"
X Link 2025-12-08T05:07Z 149.5K followers, 13.9K engagements

"I will become a millionaire by doing basic things: - max 401k. Put it in S&P XXX index fund. - max Roth IRA. Put it in $VGT - every X weeks put money in a taxable brokerage in $VTI and $VGT Simple and effective is best with personal finances"
X Link 2025-10-29T20:41Z 149.5K followers, 59.8K engagements

"The IRS hasn't updated some tax items for inflation in DECADES: - $3k capital loss limit (1978). Its $15473 now. - $3k dependent care credit (1976). Its $17736 now. - $25k/$32k social security income tax bracket (1984). Its $78k/$100k now. All tax items should be inflation adjusted"
X Link 2025-11-26T21:26Z 149.5K followers, 454.9K engagements

"my current investing setup: max out pre-tax 401k invested in the Vanguard S&P XXX (0.006% ER) max out Roth IRA invested in Vanguard IT ETF ($VGT) max out HSA invest the rest in a brokerage split between the US Market ETF ($VTI) and $VGT it performs well for me"
X Link 2025-12-05T14:00Z 149.5K followers, 50.3K engagements

"Just fyi: You can sell stocks/ETFs or index funds inside a Roth IRA and 401(k)s without incurring any taxes or penalties (trading fees may apply) This is helpful if you need to rebalance your portfolio within these accounts. Good to know"
X Link 2025-12-08T14:15Z 149.5K followers, 14.9K engagements

"My wife and I need to buy a car. Looking at a $30-35k budget. Was thinking Toyota Rav4 Hybrid slighly used. Any other good suggestions"
X Link 2025-11-12T02:29Z 149.5K followers, 195.8K engagements

"Quick PSA with tax season coming up: Big refund is nothing to celebrate. Your goal should be to get the smallest refund possible or owe a little. That means you didnt overpay the government and give them a X% APR loan"
X Link 2025-12-02T19:04Z 149.5K followers, 15.2K engagements

"My taxable brokerage is invested in just X ETFs. $VTI (0.03% expense) and $VGT (0.09% expense) Simple and effective"
X Link 2025-12-03T04:36Z 149.5K followers, 26.5K engagements

"I believe most people under XX should be XXX% invested in equities. BUT you must analyze your reaction to the stock market performance. Did you panic when it dropped XX% in April What if it drops XX% Would you stick to your plan Most people just don't have the stomach to be all in on equities"
X Link 2025-12-03T14:08Z 149.5K followers, 15.9K engagements

"Harsh truth: Large portion of people who live paycheck to paycheck are simply bad with money. Most people can save $XX per day by being a little more careful with their money. Do you agree"
X Link 2025-12-05T03:18Z 149.5K followers, 38.2K engagements

"Married couples over XX can realize $46700 tax free ($31.5k standard $12k OBBBA $3.2k extra) That means you can pull $46.7k from your 401k and pay X% tax. And when you contributed you were likely deferring at 22-24% marginal rates. Traditional 401k is superior for most people not Roth"
X Link 2025-12-11T01:19Z 149.5K followers, 63.9K engagements

"Its wild how some people say dont accept a raise that puts you in a higher tax bracket Youll pay more tax on all your earnings and have less money Thats not how it works. The tax code is marginal. Only a specific amount is taxed at that higher range not all of it"
X Link 2025-12-11T14:35Z 149.5K followers, 13.9K engagements

"NEVER buy the dip. Thats just gambling. Instead you should buy regardless of price consistently (e.g every X weeks) for the long term. There were so many people waiting for "the dip" in 2024 and 2025 and lost out on 25%+ returns. Always be buying is right strategy for long term"
X Link 2025-12-11T23:06Z 149.5K followers, 15.2K engagements