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# ![@money_cruncher Avatar](https://lunarcrush.com/gi/w:26/cr:twitter::1635004022506627073.png) @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.

### Engagements: XXXXXX [#](/creator/twitter::1635004022506627073/interactions)
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- X Week XXXXXXX -XX%
- X Month XXXXXXXXX -XX%
- X Months XXXXXXXXXX -XX%
- X Year XXXXXXXXXX +21%

### Mentions: XX [#](/creator/twitter::1635004022506627073/posts_active)
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- X Week XX -XX%
- X Month XXX -XX%
- X Months XXXXX -X%
- X Year XXXXX +84%

### Followers: XXXXXXX [#](/creator/twitter::1635004022506627073/followers)
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- X Week XXXXXXX -XXXX%
- X Month XXXXXXX +0.16%
- X Months XXXXXXX +10%
- X Year XXXXXXX +77%

### CreatorRank: XXXXXXX [#](/creator/twitter::1635004022506627073/influencer_rank)
![CreatorRank Line Chart](https://lunarcrush.com/gi/w:600/cr:twitter::1635004022506627073/c:line/m:influencer_rank.svg)

### Social Influence [#](/creator/twitter::1635004022506627073/influence)
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**Social category influence**
[finance](/list/finance)  XXXXX% [stocks](/list/stocks)  XXXX% [currencies](/list/currencies)  XXXX% [technology brands](/list/technology-brands)  XXXX%

**Social topic influence**
[money](/topic/money) #2696, [$vusxx](/topic/$vusxx) #1, [capital gains](/topic/capital-gains) #23, [investment](/topic/investment) 1.05%, [savings](/topic/savings) #533, [$vti](/topic/$vti) 0.7%, [$1m](/topic/$1m) #257, [1m](/topic/1m) 0.7%, [longterm](/topic/longterm) #638, [high yield](/topic/high-yield) XXX%

**Top accounts mentioned or mentioned by**
[@glen_nqdc](/creator/undefined) [@unusualwhales](/creator/undefined) [@kobeissiletter](/creator/undefined) [@millennial_wlth](/creator/undefined) [@azmark99921960](/creator/undefined) [@realitybytez](/creator/undefined) [@moneycruncher](/creator/undefined) [@erikfinancehelp](/creator/undefined) [@t32633trader](/creator/undefined) [@beans120](/creator/undefined) [@jackgyoung](/creator/undefined) [@finplanz](/creator/undefined) [@spearmanwi44426](/creator/undefined) [@sokchochicken](/creator/undefined) [@chris201450](/creator/undefined) [@goatkiffin](/creator/undefined) [@bstock98](/creator/undefined) [@vjradrick](/creator/undefined) [@mikebre14267200](/creator/undefined) [@usnuclearfamily](/creator/undefined)

**Top assets mentioned**
[Barclays PLC (BCS)](/topic/barclays-plc) [Vanguard (VWA)](/topic/vanguard)
### Top Social Posts [#](/creator/twitter::1635004022506627073/posts)
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Top posts by engagements in the last XX hours

"If you look at line XX of Schedule E you will notice that Trump qualified as a real estate professional. This is an IRS designation that allows you to take losses from real estate against other income types. You need XXX hours performed in real estate to qualify:"  
[X Link](https://x.com/money_cruncher/status/1821168225381462418) [@money_cruncher](/creator/x/money_cruncher) 2024-08-07T12:55Z 143K followers, 230.6K engagements


"The Schedule D also showed a $323000 loss from selling securities. He sold Oppenheimer Holdings Deutsche Bank Barclays PLC and a few others at a loss. Probably shouldve just invested in the S&P XXX instead"  
[X Link](https://x.com/money_cruncher/status/1821168228762087926) [@money_cruncher](/creator/x/money_cruncher) 2024-08-07T12:55Z 143K followers, 193.6K engagements


"🚨Trump just signed a $XXX TRILLION tax cut into law. I reviewed every page so you dont have to. Heres exactly how it will impact your taxes:"  
[X Link](https://x.com/money_cruncher/status/1941277420323213718) [@money_cruncher](/creator/x/money_cruncher) 2025-07-04T23:26Z 143K followers, 1M engagements


"Just fyi: Even if you reinvest dividends you still have to pay taxes on them. If dividends are qualified youll pay 0-23.8% in tax. If non qualified youll pay 0-40.8% tax. If youre young dont chase high dividends"  
[X Link](https://x.com/money_cruncher/status/1973374668347228239) [@money_cruncher](/creator/x/money_cruncher) 2025-10-01T13:09Z 143K followers, 27K engagements


"The national average savings account interest is 0.40%. Yet T-bills are paying XXXX% and no state/local taxes. Can buy them directly from TreasuryDirect. Or Treasury ETF (e.g $VBIL) or Treasury MMF (e.g $VUSXX) pay 4.09%. Don't let your savings erode"  
[X Link](https://x.com/money_cruncher/status/1974104251157901802) [@money_cruncher](/creator/x/money_cruncher) 2025-10-03T13:28Z 143K followers, 21.2K engagements


""I'm a new investor. How do I start" X. Sign up for a 401k/403b. Select Vanguard/Fidelity funds. Contribute at least up to the match. X. Open and max out HSA if eligibl. X. Roth IRA / max out the 401k/403b This is the blueprint for majority of people"  
[X Link](https://x.com/money_cruncher/status/1976277818897236472) [@money_cruncher](/creator/x/money_cruncher) 2025-10-09T13:25Z 143K followers, 17.7K engagements


""How would you invest $10000 at 25" Assuming you have an emergency fund and don't need cash for major expenses soon I would: X. Put $7000 in a Roth IRA. Buy $VTI or $VGT X. Open a brokerage account. Invest $3000 in $VTI But it all depends on your goals & risk comfort"  
[X Link](https://x.com/money_cruncher/status/1977000718679843046) [@money_cruncher](/creator/x/money_cruncher) 2025-10-11T13:17Z 143K followers, 22.7K engagements


"Big money is made by waiting. Warren Buffett made his first investment at XX. Now hes worth BILLIONS at XX. Thats over XX years of compound growth. Invest in quality assets and hold forever. Thats how you get rich"  
[X Link](https://x.com/money_cruncher/status/1977136397145588048) [@money_cruncher](/creator/x/money_cruncher) 2025-10-11T22:17Z 143K followers, 15.8K engagements


"Should I buy $VTI or $VOO Heres the performance from 1957 to 2023: S&P XXX - XXXXX% CAGR Total US Market - XXXXX% CAGR Just choose one. Dont overthink. Good pair for tax loss harvesting"  
[X Link](https://x.com/money_cruncher/status/1979186075030495441) [@money_cruncher](/creator/x/money_cruncher) 2025-10-17T14:01Z 143K followers, 20.8K engagements


"He also made $3.8M of dividends of which $1M is qualified. This tells me that he likely has a lot of real estate dividends which are non qual or foreign holdings. These dividends are inefficient as they are taxed up to XX% rather than XX% for qual dividends (w/o NIIT)"  
[X Link](https://x.com/money_cruncher/status/1979568146605547729) [@money_cruncher](/creator/x/money_cruncher) 2025-10-18T15:19Z 143K followers, 3066 engagements


"Schedule X also showed that he made $372180 of Schedule C income which is business income. Along with some miscellaneous income from rentals royalties and partnerships (-$17750) and farm income ($1960). Next comes the fun part"  
[X Link](https://x.com/money_cruncher/status/1979568152188207544) [@money_cruncher](/creator/x/money_cruncher) 2025-10-18T15:20Z 143K followers, 2863 engagements


"The big income item is $1425000 of gambling income. Apparently he won this money gambling in Las Vegas. But actually we wouldnt really know if he truly made money because"  
[X Link](https://x.com/money_cruncher/status/1979568155493077389) [@money_cruncher](/creator/x/money_cruncher) 2025-10-18T15:20Z 143K followers, 2860 engagements


"In total his gross income was $10.65M for 2024. After deducting $4.78M his taxable income for the year was $5.87M. In total he paid $1.6M in federal taxes. Or an effective tax rate of 27%"  
[X Link](https://x.com/money_cruncher/status/1979568161071493502) [@money_cruncher](/creator/x/money_cruncher) 2025-10-18T15:20Z 143K followers, 2646 engagements


"This is why I always tell people that one of the best ways to lower your taxes is by putting your money to work. Investors get qualified dividends and long-term capital gains that arent taxed as highly as W-2 wages (37%). His example illustrates this perfectly"  
[X Link](https://x.com/money_cruncher/status/1979568163302842835) [@money_cruncher](/creator/x/money_cruncher) 2025-10-18T15:20Z 143K followers, 2564 engagements


"BREAKING: Vanguard just released X ETFs that can replace your high yield savings account. Here's everything you need to know about it:"  
[X Link](https://x.com/money_cruncher/status/1890190210924978620) [@money_cruncher](/creator/x/money_cruncher) 2025-02-14T00:03Z 143K followers, 1.1M engagements


"Your High Yield Savings Account (HYSA) is extremely tax inefficient. You pay federal state local and net investment income taxes on the interest you receive. But there are much better ways to save:"  
[X Link](https://x.com/money_cruncher/status/1957432464713957773) [@money_cruncher](/creator/x/money_cruncher) 2025-08-18T13:20Z 143K followers, 85.2K engagements


"$VUSXX (Treasury MMF) could be a good choice to park your savings cash. It has a XXXX% yield after expense ratio. It holds XX% T-bills making it mostly state/local tax-exempt. Good option for people with high state & local taxes (CA NY NJ IL etc)"  
[X Link](https://x.com/money_cruncher/status/1965905629454925979) [@money_cruncher](/creator/x/money_cruncher) 2025-09-10T22:30Z 143K followers, 20.9K engagements


"rules to follow to be in the top X% financially: - ETFs only - monthly expenses always below monthly income - always get your 401k match - no credit card debt - tax loss harvest during drops - Roth conversions during low income - max retirement accounts before brokerage - increase income with job hopping every 2-4 years"  
[X Link](https://x.com/money_cruncher/status/1969913304744133061) [@money_cruncher](/creator/x/money_cruncher) 2025-09-21T23:55Z 143K followers, 47.8K engagements


"I often get asked how do I invest in my 401k. XXX% of it is invested in Vanguard Institutional XXX Index Trust (VFFSX) It's an institutional fund with a XXXX% expense ratio. One of the best S&P XXX funds out there"  
[X Link](https://x.com/money_cruncher/status/1970616211919470750) [@money_cruncher](/creator/x/money_cruncher) 2025-09-23T22:28Z 143K followers, 48.4K engagements


"I would never invest in target date retirement funds. Way too conservative. Example - Vanguard Retirement 2070 (in XX years) has XXXX% of holdings in bonds. I don't think that's necessary. And the expense ratio of XXXX% is relatively high (compared to VTI VOO BND etc)"  
[X Link](https://x.com/money_cruncher/status/1970901385265975707) [@money_cruncher](/creator/x/money_cruncher) 2025-09-24T17:21Z 143K followers, 20K engagements


"Fidelity has some expensive Money Market Funds: $SPAXX - expense ratio of XXXX% net yield XXXX% $FDLXX - expense ratio of XXXX% yield of XXXX% But Vanguard has: $VMFXX - expense ratio of XXXX% yield XXXX% $VUSXX - expense ratio of XXXX% yield of 4.07%"  
[X Link](https://x.com/money_cruncher/status/1974886885081370712) [@money_cruncher](/creator/x/money_cruncher) 2025-10-05T17:18Z 143K followers, 33.2K engagements


""I need to park $50000 of cash for XX months. Where to put it" I would use: - $VUSXX (Vanguard Treasury MM Fund) state/local tax exempt XXXX% yield OR - $VMSXX (Vanguard Municipal MM Fund) if you are a high earner in XX% tax rate federal tax exempt XXXX% yield"  
[X Link](https://x.com/money_cruncher/status/1975719885495017519) [@money_cruncher](/creator/x/money_cruncher) 2025-10-08T00:28Z 143K followers, 44.4K engagements


"🚨BREAKING: The IRS just announced the inflation adjustments for tax year 2026. Here's what you need to know (and how it affects your taxes):"  
[X Link](https://x.com/money_cruncher/status/1976391330415911069) [@money_cruncher](/creator/x/money_cruncher) 2025-10-09T20:56Z 143K followers, 107.1K engagements


"Long term capital gains can be taxed at 0%. This means that you can harvest (sell then rebuy) stocks/ETFs to increase your basis & pay less federal taxes in the future if your taxable income (after standard deduction) is $48350 or $96700 (mfj) could be subject to state tax"  
[X Link](https://x.com/money_cruncher/status/1976707233623777390) [@money_cruncher](/creator/x/money_cruncher) 2025-10-10T17:51Z 143K followers, 15.3K engagements


"For 2025 the new tax bill is changing the 1099-K threshold back to $20000 and XXX transactions for apps like Venmo CashApp PayPal etc This is a big change from the $XXX threshold set in 2021 under the ARP Act"  
[X Link](https://x.com/money_cruncher/status/1976793099461701701) [@money_cruncher](/creator/x/money_cruncher) 2025-10-10T23:32Z 143K followers, 18.5K engagements


"Its crazy how the step up in basis can wipe out so much tax. Your dad bought $100k of stocks in a brokerage account that are now worth $1M. He passed it down to you. You sell it for $1M and pay $X in tax. So powerful"  
[X Link](https://x.com/money_cruncher/status/1978827371244400841) [@money_cruncher](/creator/x/money_cruncher) 2025-10-16T14:16Z 143K followers, 49.5K engagements


"If your net worth is under $1-2M you likely don't need a financial advisor. Just keep it simple: watch investment fees (ideally XXX% expense) keep it broad & diversified stay away from CC debt prioritize tax advantageous accounts (Roth IRA/401ks) rebalance as you age"  
[X Link](https://x.com/money_cruncher/status/1978903348523725043) [@money_cruncher](/creator/x/money_cruncher) 2025-10-16T19:18Z 143K followers, 47.1K engagements


"An easy tax arbitrage many people don't think about: Doing a pre-tax 401(k) in a state with a high income tax vs withdrawing in a X% tax state. Example - contribute pre-tax in CA (say XX% marginal) but retire in X% state like WA TX etc Easy 0-12% tax savings"  
[X Link](https://x.com/money_cruncher/status/1978994193918832980) [@money_cruncher](/creator/x/money_cruncher) 2025-10-17T01:19Z 143K followers, 27.8K engagements


"The next income item is $4.2M of capital gains. He didnt disclose the details of these gains but its very likely that almost all of them are long-term capital gains taxed at the max rate of 23.8%. This is how investors pay significantly less tax than W-2 workers"  
[X Link](https://x.com/money_cruncher/status/1979568149222523056) [@money_cruncher](/creator/x/money_cruncher) 2025-10-18T15:20Z 143K followers, 2994 engagements


"If you make $100000 of W-2 you will pay $13614 of federal tax. If you make $100000 W-2 and put $5000 in a pre-tax 401k you will pay $12514 of federal tax. $1100 less tax plus state tax deferral AND you might get a match with 50-100% ROI. 401k is not a scam"  
[X Link](https://x.com/money_cruncher/status/1979953041664061578) [@money_cruncher](/creator/x/money_cruncher) 2025-10-19T16:49Z 143K followers, 46.5K engagements


"On April X JPMorgan raised recession risk to XX% saying "there will be blood" On May XX JPMorgan dropped its recession call. A week ago their CEO said I think a recession can happen in 2026 Tune out the noise and dont listen to these clowns. Stick to your long term plan"  
[X Link](https://x.com/money_cruncher/status/1979261678500905246) [@money_cruncher](/creator/x/money_cruncher) 2025-10-17T19:02Z 143K followers, 13.4K engagements


"I reviewed JB Pritzker's 2024 tax return. $1.4M in gambling income millions in capital gains Heres how the billionaire governor really makes his money (and what we can learn from it):"  
[X Link](https://x.com/money_cruncher/status/1979568139030634842) [@money_cruncher](/creator/x/money_cruncher) 2025-10-18T15:19Z 143K followers, 42.2K engagements


"This is crazy: If you are XX and start investing $5k/yr and stop at XX you will have $615580 at XX (8%/yr) If you are XX and start investing $5k/yr and stop at XX you will have $431754 (8%/yr) $75000 less invested and $185000 larger portfolio if you just start early"  
[X Link](https://x.com/money_cruncher/status/1979681223409877017) [@money_cruncher](/creator/x/money_cruncher) 2025-10-18T22:49Z 143K followers, 22.6K 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](https://x.com/money_cruncher/status/1980261474258858474) [@money_cruncher](/creator/x/money_cruncher) 2025-10-20T13:15Z 143K followers, 19.5K engagements