# ![@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 [---] 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: [-------] [#](/creator/twitter::1635004022506627073/interactions)
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### Mentions: [--] [#](/creator/twitter::1635004022506627073/posts_active)
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### Followers: [-------] [#](/creator/twitter::1635004022506627073/followers)
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### CreatorRank: [------] [#](/creator/twitter::1635004022506627073/influencer_rank)
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### Social Influence

**Social category influence**
[finance](/list/finance)  #986 [financial services](/list/financial-services)  #363 [stocks](/list/stocks)  3.15% [technology brands](/list/technology-brands)  3.15% [products](/list/products)  1.57% [social networks](/list/social-networks)  1.57% [currencies](/list/currencies)  1.57% [automotive brands](/list/automotive-brands)  0.79%

**Social topic influence**
[if you](/topic/if-you) #632, [money](/topic/money) #243, [vanguard](/topic/vanguard) #66, [stocks](/topic/stocks) #2158, [how to](/topic/how-to) 7.87%, [pay](/topic/pay) #1035, [market](/topic/market) #829, [$vusxx](/topic/$vusxx) #1, [$vbil](/topic/$vbil) #1, [in the](/topic/in-the) 5.51%

**Top accounts mentioned or mentioned by**
[@troyoncapital](/creator/undefined) [@grok](/creator/undefined) [@the_money_buddy](/creator/undefined) [@moneycruncher](/creator/undefined) [@compounderquiet](/creator/undefined) [@william_r2rclub](/creator/undefined) [@kentumin](/creator/undefined) [@skittlebittler](/creator/undefined) [@beerbaron2020](/creator/undefined) [@soldierofequity](/creator/undefined) [@markmap4](/creator/undefined) [@shreyfinancial](/creator/undefined) [@vibewithrb](/creator/undefined) [@sissystephmarie](/creator/undefined) [@tlanderso](/creator/undefined) [@jdh916](/creator/undefined) [@samsamsidybjj](/creator/undefined) [@realtystacker](/creator/undefined) [@teslafanatic00](/creator/undefined) [@islesguy2025](/creator/undefined)

**Top assets mentioned**
[Microsoft Corp. (MSFT)](/topic/microsoft)
### Top Social Posts
Top posts by engagements in the last [--] hours

"Vanguard has [--] funds that can replace your savings account with a higher yield and better tax benefits. [--]. $VUSXX [--]. $VBIL [--]. $VMSXX Here are the details:"  
[X Link](https://x.com/money_cruncher/status/2020506810248270260)  2026-02-08T14:35Z 177.7K followers, 219.7K engagements


"7 personal finance tips: [--]. Pay yourself first [--]. Live below your means [--]. Avoid bad debt (e.g cc debt) [--]. Build an emergency fund [--]. Get a 401k match [--]. Track your money (net worth budget) [--]. Always think long term"  
[X Link](https://x.com/money_cruncher/status/2020714790621167834)  2026-02-09T04:22Z 177.7K followers, 22K engagements


"🚨 BREAKING: You can now sign up for the Trump Account for your kids. Here are all the details:"  
[X Link](https://x.com/anyuser/status/2021230435762659802)  2026-02-10T14:31Z 177.7K followers, 940.9K engagements


"You can submit this form with your [----] taxes. Essentially you provide your name your childs name SSN and whether you want to receive the $1000 contribution from the Treasury (only for kids born in 2025-2028). A financial institution will then open the account"  
[X Link](https://x.com/money_cruncher/status/2021230445459849369)  2026-02-10T14:31Z 177.7K followers, 55.9K engagements


"How I invest: - Max out 401(k) invested in the Vanguard S&P [---] fund 0.01% expense ratio - Max out $4.3k HSA in S&P [---] - Max out $7k Roth IRA invested in Vanguard IT ETF ($VGT) - Put the rest in a brokerage account split between $VTI and $VGT This strategy did well"  
[X Link](https://x.com/money_cruncher/status/2002020147796586708)  2025-12-19T14:16Z 177.2K followers, 165.9K engagements


"If you don't know what to invest in research $VTI. Its like buying an entire US market with [--] share with low fee (0.03%) $100 invested gives you: $6.29 of Apple $6.22 of Nvidia $5.56 of Microsoft $3.41 of Amazon and $78.52 in the other [----] stocks"  
[X Link](https://x.com/money_cruncher/status/2009354717357556117)  2026-01-08T20:01Z 176.9K followers, 117.3K engagements


"What about risk This fund holds Treasury Bills. For you to lose money the U.S. government would have to fail to pay its debts. This has never happened and would shake the global financial system if it ever did. If that happens your bank may fail too"  
[X Link](https://x.com/money_cruncher/status/2012535221007311107)  2026-01-17T14:39Z 176.9K followers, 105K engagements


"You don't have to buy $VBIL and pay 0.07% expense ratio. You could also buy T-bills directly from TreasuryDirect to save on some fees but I know many people dislike that website. You can also buy and sell T-bills from Fidelity or Vanguard via the secondary market"  
[X Link](https://x.com/money_cruncher/status/2012535222781297048)  2026-01-17T14:39Z 176.9K followers, 98.3K engagements


"🚨IMPORTANT: A new tax bill can unlock up to $30000 in additional deductions for homeowners and high earners in [----]. This change can significantly reduce your tax bill. Here are the details:"  
[X Link](https://x.com/money_cruncher/status/2013263842412007727)  2026-01-19T14:54Z 176.7K followers, 884.2K engagements


"I know someone who declined a promo because it would've pushed him from 12% to 22% tax rate. Just fyi - going into the next tax bracket means only income above the dollar threshold is taxed at the higher rate NOT all of it. Yet so many people don't understand this"  
[X Link](https://x.com/money_cruncher/status/2013617605647434048)  2026-01-20T14:20Z 176.7K followers, 384.7K engagements


"If you can't pay for an expense in full with cash don't use your credit card. If you can pay with cash use your credit card for cash back and liability protection. It's that simple"  
[X Link](https://x.com/money_cruncher/status/2014531610029511026)  2026-01-23T02:52Z 176.9K followers, 31.9K engagements


""I'm [--] and have $0 for retirement what do I do" If you make $100k/yr and want to retire at [--] starting from $0 you need to invest 44% of your income in a 60/40 portfolio to maintain same lifestyle. If you can't you need to: [--]. Take on more risk (e.g 100% equity) [--]. Lower your post retirement lifestyle But just start $100$0 https://twitter.com/i/web/status/2014793224515473466 https://twitter.com/i/web/status/2014793224515473466"  
[X Link](https://x.com/money_cruncher/status/2014793224515473466)  2026-01-23T20:11Z 177.2K followers, 47.4K engagements


"The sad reality is if you want your salary to stay with or beat inflation you have to job hop frequently. Companies dont reward loyalty anymore. 2-3 years and move on to a new place. Thats how you do it"  
[X Link](https://x.com/money_cruncher/status/2015586318286553557)  2026-01-26T00:43Z 177.2K followers, 227.9K engagements


"NEVER close your credit cards as it would drop your score. Just keep them open. If they have an annual fee call to downgrade dont close Some issuers might close cards due to inactivity so try to use them once a year if they have a big limit/old age"  
[X Link](https://x.com/money_cruncher/status/2016344172610105601)  2026-01-28T02:54Z 176.4K followers, 53.2K engagements


"Amazon laid off [-----] people yet their net income is up 38% YoY. This is a good reminder that there is no corporate loyalty. They don't care about you. Make your money build an emergency fund invest the cash and move on"  
[X Link](https://x.com/money_cruncher/status/2016563677902864644)  2026-01-28T17:27Z 176.4K followers, 252.1K engagements


"If you have kids help them graduate loan free by getting a [---] plan: most states offer a tax deduction money inside the account grows tax free tax free pulls for education costs conversion to Roth IRA if eligible And the best part is they dont even need to attend college with the new tax bill. https://twitter.com/i/web/status/2016609176601186614 https://twitter.com/i/web/status/2016609176601186614"  
[X Link](https://x.com/money_cruncher/status/2016609176601186614)  2026-01-28T20:27Z 176.4K followers, 34.6K engagements


"Taxes and housing are your [--] biggest expenses You can lower housing by house hacking or roommates You can lower taxes by doing tax loss harvesting 401k arbitrage HSAs FSAs NQDC real estate or run a business. Focus on these [--] categories. They impact you most"  
[X Link](https://x.com/money_cruncher/status/2016893357663146048)  2026-01-29T15:17Z 176.6K followers, 34.6K engagements


"My Roth IRA is 100% in equity ETF. No bonds No target retirement date funds No money market funds You can use other accounts (e.g pre-tax 401k) if you need it. You want to maximize tax free growth in the Roth. Can also rebalance it later if needed with no tax impact"  
[X Link](https://x.com/money_cruncher/status/2017070658585580030)  2026-01-30T03:01Z 176.7K followers, 40.5K engagements


""How can W-2 employees save on taxes" Some strategies: - 401(k) - HSA - FSA - Commuter benefits - Mega / Backdoor Roth - Tax loss/gain harvesting - Tax location optimization - HYSA - MMF - Optimize charitable contributions (stocks/DAF) - NQDC - Real estate - Start a business"  
[X Link](https://x.com/money_cruncher/status/2017241518340477322)  2026-01-30T14:20Z 177.1K followers, 41.3K engagements


"My take on the Trump Accounts: If you are upper income and can put money into a [---] plan AND max the $5k/yr Trump account do it. That $5k/yr will turn into $185k by age [--]. Convert to a Roth pay the tax. Your child will have millions in Roth by [--] all tax free. But for the average person with limited contributions a [---] plan is likely better but get the $1k deposit if eligible. https://twitter.com/i/web/status/2017668938755416179 https://twitter.com/i/web/status/2017668938755416179"  
[X Link](https://x.com/money_cruncher/status/2017668938755416179)  2026-01-31T18:38Z 176.4K followers, 259.8K engagements


""I have $20k to invest. Should I invest it all at once or spread it out" Research shows that investing all at once outperforms spreading it out 68% of times. But for a very risk averse person cost averaging is fine. Either is better than sitting on cash long term. Invest"  
[X Link](https://x.com/money_cruncher/status/2017736013184114934)  2026-01-31T23:05Z 177K followers, 47.1K engagements


"Inflation is at 2.7%. If your high yield savings account pays 3.5% which is 2.5% after tax then your cash is not even keeping up with inflation. Savings accounts are for emergencies and short term needs only not growth. Invest the rest for the long term"  
[X Link](https://x.com/money_cruncher/status/2018058862394556719)  2026-02-01T20:28Z 177.1K followers, 81.1K engagements


"Most employers are required to withhold a portion of your income and send it to federal state and local governments for income taxes. The amount they withhold is determined by your income filing status allowances via Form W-4:"  
[X Link](https://x.com/money_cruncher/status/2018328519936483736)  2026-02-02T14:19Z 176.4K followers, 11.2K engagements


"If the total you withhold for the year what you actually end up owing in taxes you get a refund. You may end up owing taxes when you file if the amount withheld from your paycheck is less than what it should be"  
[X Link](https://x.com/money_cruncher/status/2018328522373349574)  2026-02-02T14:19Z 177.3K followers, [----] engagements


"Many people like receiving a refund. They use it to pay down credit cards or pay off some bills. But it's not "free money" as many claim. And it shouldn't be celebrated"  
[X Link](https://x.com/money_cruncher/status/2018328524713828448)  2026-02-02T14:19Z 177.3K followers, [----] engagements


"One thing to note is that if you have low income and don't have taxes withheld you may receive a refund because of the refundable tax credits (Earned Income Tax Credit or Additional Child Tax Credit). In this case you can't adjust your W-4 but this is rare"  
[X Link](https://x.com/money_cruncher/status/2018328535690313899)  2026-02-02T14:19Z 177.3K followers, [----] engagements


"This person bought [--] cars in [--] years. He probably took $50-100k in depreciation hits alone. Imagine just sticking with one car and investing the rest"  
[X Link](https://x.com/money_cruncher/status/2018795476473299441)  2026-02-03T21:15Z 176.4K followers, 41.2K engagements


"You don't need to wait until [--] to pull from your 401k if you retire early. Easy exception is Rule of 55: If you leave your job in or after the year when you turn [--] you can pull without the 10% penalty if partial withdrawals are allowed. Or 72(t) plan can be great too"  
[X Link](https://x.com/money_cruncher/status/2019225877859692701)  2026-02-05T01:45Z 176.8K followers, 43.6K engagements


"HSA tip: If your spouse inherits HSA they can keep it as HSA. BUT if your kids/others inherit HSA the entire HSA balance is income in THAT year and no longer an HSA. So have a plan for how HSA will be used as it is extremely tax inefficient to pass it down to others"  
[X Link](https://x.com/money_cruncher/status/2019416485681410109)  2026-02-05T14:23Z 176.8K followers, 29.5K engagements


"Social media is often the highlight. In reality: 13% of Americans make more than $100k 45% of Americans earning more than $100k live from paycheck to paycheck. 34% of households make over $100k a year. Dont compare yourself to others. Its you vs you"  
[X Link](https://x.com/money_cruncher/status/2019634280184623360)  2026-02-06T04:48Z 177.1K followers, 33K engagements


"I believe everyone can become a millionaire by following this: - increase income (job hopping side hustles education) - not spending money on stupid stuff - investing in solid index fund ETFs - being patient for 10-20 years being patient is the hardest part"  
[X Link](https://x.com/money_cruncher/status/2019945414166999124)  2026-02-07T01:24Z 177.2K followers, 18.4K engagements


"@hamptonism Terrible take"  
[X Link](https://x.com/money_cruncher/status/2019962697534828773)  2026-02-07T02:33Z 177.1K followers, 16.3K engagements


"Being financially free should be your goal. It will: lower stress give you options let you travel allow you to focus on what matters give back time Start now"  
[X Link](https://x.com/money_cruncher/status/2019994282820792344)  2026-02-07T04:39Z 177.1K followers, 16.4K engagements


"We will use info from these documents to enter into software I personally use FreeTaxUSA: $0 for federal $15.99 for a state return W-2 and [----] import 80+ millions returns filed with IRS Here's my affiliate link if you want to support me: https://www.freetaxusa.com/moneycruncher https://www.freetaxusa.com/moneycruncher"  
[X Link](https://x.com/money_cruncher/status/2020144766420226244)  2026-02-07T14:36Z 177.1K followers, [----] engagements


"Once you get into tax software you will see a few different tabs: Personal Income Deductions/Credits Misc State and Final Steps. The software will guide you and ask applicable questions (e.g. Do you have [----] Forms)"  
[X Link](https://x.com/money_cruncher/status/2020144769012249019)  2026-02-07T14:37Z 176.8K followers, [----] engagements


"You can buy $VBIL using almost any investing app. The yield is 3.56%. Vanguard also just lowered the expense ratio from 0.07% to 0.06% on it. Since the fund holds T-bills it is state/local tax-exempt"  
[X Link](https://x.com/money_cruncher/status/2020506820285255744)  2026-02-08T14:35Z 177.1K followers, 15.5K engagements


"If you own an LLC PAY ATTENTION: There's a new requirement to register your company with Department of Treasury starting in [----]. Failure to register can result in fines of up to $10000 or imprisonment. It's called the BOI report. Here is ALL you need to know:"  
[X Link](https://x.com/money_cruncher/status/1712094802282447150)  2023-10-11T13:16Z 177.5K followers, 419.7K engagements


"@unusual_whales The fact that this is still legal is WILD. When I was at Big4 company they made us sell all our stocks for companies we audit. I guess same doesn't apply in congress"  
[X Link](https://x.com/money_cruncher/status/1738236385234915830)  2023-12-22T16:33Z 177.5K followers, 174.4K engagements


"BREAKING: Vanguard just released [--] 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)  2025-02-14T00:03Z 177.6K followers, 1.1M engagements


"My friend bought a new Tesla in [----] for $60000. It's now worth $35000 KBB. That means he took a $25000 depreciation hit in [--] years or $700/mo. Don't buy new EVs. If you really want a new one consider leasing"  
[X Link](https://x.com/money_cruncher/status/2001654670734008510)  2025-12-18T14:03Z 177.5K followers, 145K engagements


"Vanguard recently launched [--] funds: - Vanguard Ultra-Short Treasury ETF ($VGUS) and - Vanguard 0-3 Month Treasury Bill ETF ($VBIL) These [--] funds can be used similarly to a savings account"  
[X Link](https://x.com/money_cruncher/status/2012535212576813532)  2026-01-17T14:39Z 177.4K followers, 197.2K engagements


"The $VBIL is a 0-3 month T-Bill ETF. This means that they hold short term treasury bills. This is a direct competitor to the $SGOV (iShares 0-3 Month Treasury Bond ETF) fund. But it comes with a 0.07% expense ratio vs $SGOV 0.09% expense ratio"  
[X Link](https://x.com/money_cruncher/status/2012535214099112058)  2026-01-17T14:39Z 177.4K followers, 194K engagements


"Warren Buffett bought Coca Cola stock in [----]. [--] years later and he is still holding the shares. Real wealth is built by waiting. Don't rush the process. While Im not a fan of individual stocks buying quality ETFs and holding them for 30+ years is how you build real wealth"  
[X Link](https://x.com/money_cruncher/status/2014346508314067421)  2026-01-22T14:36Z 177.5K followers, 25.2K engagements


"Here's how you can start investing in under [--] min: [--]. Start a 401k/403b with your employer and invest in the total market index fund. Contribute at least up to the match amount. [--]. If don't have it open an IRA. Contribute up to $7000 for [----] (due April 2026) Start there"  
[X Link](https://x.com/money_cruncher/status/2015791756571500985)  2026-01-26T14:19Z 177.4K followers, 72.5K engagements


"The IRS audits 500000+ tax returns every year. How do they select who to audit Algorithms. Here's exactly how the IRS selects who to audit:"  
[X Link](https://x.com/money_cruncher/status/2017604833197625482)  2026-01-31T14:24Z 177.4K followers, 654.5K engagements


"When I was at Deloitte I had to report all my stocks and ETFs through Vanguard's automated data feed. I couldn't hold a stock if I was working on that company. BUT Congress can trade stocks in companies they regulate AND report it [--] months late with a $200 fine"  
[X Link](https://x.com/money_cruncher/status/2017975584106979753)  2026-02-01T14:57Z 177.3K followers, 329.6K engagements


"Married couples can withdraw $131100 from their brokerage and pay $0 in federal taxes in [----]. This is because of a $32200 standard deduction and $98900 of long term capital gains taxed at 0%. This is equal to $165000 pre-tax salary. Invest your money"  
[X Link](https://x.com/money_cruncher/status/2018033659207696440)  2026-02-01T18:48Z 177.6K followers, 743.7K engagements


"If you buy a house for $300k and it's worth $1M when you pass away your children generally get a "step-up in basis" to the current value. If they sell it right away they pay no capital gains tax. But if you gift it to them shorty before passing they inherit your original $300k cost and would owe tax on $700k in gains when they sell. Tax planning matters. https://twitter.com/i/web/status/2018128374905086138 https://twitter.com/i/web/status/2018128374905086138"  
[X Link](https://x.com/money_cruncher/status/2018128374905086138)  2026-02-02T01:04Z 177.4K followers, 387.1K engagements


"Don't overpay your taxes. Use that money instead to pay off your credit cards invest and save. Owing $0 or a few hundred is the goal"  
[X Link](https://x.com/money_cruncher/status/2018328537741328387)  2026-02-02T14:19Z 177.3K followers, [----] engagements


"simple rules to follow to be in the top 1% money wise: - no individual stocks just ETFs - t-bills for emergency funds - have a budget - get your 401(k) match - pay off your credit cards every month - tax loss harvest between ETFs - max tax advantaged accounts (401k Roth IRA) - job hop every 2-5 years https://twitter.com/i/web/status/2018498865683743004 https://twitter.com/i/web/status/2018498865683743004"  
[X Link](https://x.com/money_cruncher/status/2018498865683743004)  2026-02-03T01:36Z 177.5K followers, 95K engagements


"🚨BREAKING: Vanguard just cut expense ratios of many mutual funds and ETFs effective immediately. Some popular ones: $VBIL 0-3 Month Treasury Bill ETF from 0.07% to 0.06% $VIG Dividend ETF from 0.05% to 0.04% $VUG Growth ETF from 0.04% to 0.03% $VV Large Cap from 0.04% to 0.03% $VB Small Cap from 0.05% to 0.03% Great news for investors https://twitter.com/i/web/status/2018512330838212913 https://twitter.com/i/web/status/2018512330838212913"  
[X Link](https://x.com/money_cruncher/status/2018512330838212913)  2026-02-03T02:30Z 177.5K followers, 80.4K engagements


"How people in their 20s and 30s start "investing": buy meme coins invest in some penny stocks get into options gambling They lose money and eventually realize it was all gambling. Skip all that. Just buy ETFs from the start. They are boring but they make money"  
[X Link](https://x.com/money_cruncher/status/2018691004962943384)  2026-02-03T14:20Z 177.4K followers, 24.8K engagements


"Did you know the tax code has a marriage penalty 1.37% tax bracket (starts at $640k for single but $768k married not doubled) [--]. SALT ($40k single/married) [--]. NIIT ($200k single but $250k married) [--]. EITC (single & [--] child income limit is $51593 but married is $58863)"  
[X Link](https://x.com/money_cruncher/status/2018869690467221855)  2026-02-04T02:10Z 177.3K followers, 62.4K engagements


"1. $VUSXX - Vanguard Treasury Money Market Fund This fund invests in short-term U.S. government securities (e.g Treasury Bills) It tries to maintain a stable $1.00 NAV and offers a competitive yield making it a popular cash alternative"  
[X Link](https://x.com/money_cruncher/status/2020506812580307099)  2026-02-08T14:35Z 177.6K followers, 23.3K engagements


"Our school system is outdated. Kids arent learning anything about personal finances. I started my account to: - help you save on taxes - share my investing journey - teach personal finance tips If you want to improve your finances you must follow along"  
[X Link](https://x.com/money_cruncher/status/2020571306102837452)  2026-02-08T18:51Z 177.5K followers, 14.4K engagements


"Did you know that in the 1980s the highest tax rate was 50% A decade before it was almost 70%. This is why its important to diversify your retirement accounts by adding a Roth IRA. They protect against future tax rate uncertainty"  
[X Link](https://x.com/money_cruncher/status/2020620618715300035)  2026-02-08T22:07Z 177.4K followers, 22.6K engagements


"What's sad is that there are probably thousands of people who bought $3000 Super Bowl tickets on a credit card won't pay it off in full and will get crushed by 25% APR"  
[X Link](https://x.com/money_cruncher/status/2020636352371728769)  2026-02-08T23:10Z 177.5K followers, 38.6K engagements


"P.S. If you liked this thread you'll enjoy my newsletter. Every week I share tips on how to save money on taxes build wealth and invest. Join 18000+ subscribers: http://TheCrunch.co http://TheCrunch.co"  
[X Link](https://x.com/money_cruncher/status/2020688163946324210)  2026-02-09T02:36Z 177.4K followers, [----] engagements


"Parents grandparents or other individuals can contribute up to $5000 per year to a Trump Account. 501(c) organizations can also contribute to Trump Accounts with no limit. Also employers can contribute to these accounts (we saw SoFi. BlackRock Robinhood and others commit)"  
[X Link](https://x.com/money_cruncher/status/2021230453437448232)  2026-02-10T14:31Z 177.4K followers, 43.7K engagements


"@rushicrypto Add inflation taxes and interest rate fluctuations and you are cooked"  
[X Link](https://x.com/money_cruncher/status/2021260867019362692)  2026-02-10T16:31Z 177.4K followers, 35.3K engagements


""I want to hire my kids in my biz to pay less taxes How to do it: [--]. Pay reasonable wages [--]. Hourly tracking [--]. Entity matters (corp vs partnership) [--]. Must actually pay the child [--]. File paperwork (W-2 [----] payroll) [--]. Keep in mind child labor laws Whether its worth it is a different story. It may or may not depending on your business and circumstances. https://twitter.com/i/web/status/2021360191036588486 https://twitter.com/i/web/status/2021360191036588486"  
[X Link](https://x.com/anyuser/status/2021360191036588486)  2026-02-10T23:06Z 177.7K followers, 19.2K engagements


"The [----] tax season is open. And 99% of people overpay to file their taxes. Heres how to file for under $20:"  
[X Link](https://x.com/money_cruncher/status/2020144757775679900)  2026-02-07T14:36Z 177.7K followers, 117.1K engagements


"Unpopular opinion: For those who are financially disciplined paying off 3% loans early doesnt make any sense. For those who arent paying off 3% loans early makes sense (aka Dave Ramseys audience)"  
[X Link](https://x.com/money_cruncher/status/2020298317629206908)  2026-02-08T00:47Z 177.7K followers, 89.1K engagements


"$VUSXX current yield is 3.64% after the 0.07% expense ratio. Note: Other custodians like Fidelity or Schwab have their own versions of Treasury Money Market Funds that you can get (e.g. $FDLXX)"  
[X Link](https://x.com/money_cruncher/status/2020506814450926000)  2026-02-08T14:35Z 177.7K followers, 19.7K engagements


"My take on the account: If you are an average American (not rich) get the $1k get the employer contribution but [---] plan is likley better. If you are wealthy and can do both [---] plan and max this account do it. Convert to Roth at [--] and your child will be set"  
[X Link](https://x.com/anyuser/status/2021230458223116613)  2026-02-10T14:31Z 177.7K followers, 38.9K engagements


"My [----] W-2 total was $48k My [----] W-2 total was $86k My [----] W-2 total was $119k [----] projected is $200k+ Job hopping works"  
[X Link](https://x.com/anyuser/status/2021442977743491117)  2026-02-11T04:35Z 177.7K followers, 83.1K engagements


"If you invested $10k in Amazon in Feb [----] you'd have $12162 now. If you put $10k in Treasury Bills in [----] you'd have $11796 now. Amazon barely outperformed cash in the last [--] years pre-tax. For contrast putting it in $VOO would be $18665. Index funds and chill is not a bad strategy. https://twitter.com/i/web/status/2022509444199002210 https://twitter.com/i/web/status/2022509444199002210"  
[X Link](https://x.com/anyuser/status/2022509444199002210)  2026-02-14T03:13Z 177.7K followers, 192.2K engagements


"Vanguard just released a Cash Account that pays 4.7% FDIC insured. It has no fees and no limits with FDIC coverage up to $2.5M"  
[X Link](https://x.com/money_cruncher/status/1767965903541490016)  2024-03-13T17:28Z 177.7K followers, 584.1K engagements


"Yesterday the House released a 389-page tax bill that includes trillions in tax cuts. I read every single page so you dont have to. Heres everything you need to know: 🧵"  
[X Link](https://x.com/money_cruncher/status/1922275998218834418)  2025-05-13T13:01Z 177.7K followers, 364.6K engagements


"If you win the $1.6 BILLION Powerball jackpot (4th largest EVER) here are [--] things to do immediately: [--]. DO NOT declare yourself the winner YET. Do this first before claiming"  
[X Link](https://x.com/money_cruncher/status/2003109477457985745)  2025-12-22T14:24Z 177.7K followers, 7.9M engagements


"🚨BREAKING: The IRS clarified how a $10000 car interest write off actually works. If you have a car you need to know this to lower your tax bill in [----]. Here's how it works (and who actually qualifies):"  
[X Link](https://x.com/money_cruncher/status/2003852366983119080)  2025-12-24T15:36Z 177.7K followers, 2.7M engagements


"If you win the $1.7 BILLION Powerball lottery are you taking cash or annuity Annuity: $56M for [--] years Cash: $781M Personally I would take the cash as I know how to manage it. But for many people taking the annuity would prevent them from blowing it all"  
[X Link](https://x.com/money_cruncher/status/2003954162875392093)  2025-12-24T22:21Z 177.7K followers, 192.4K engagements


"The IRS announced many changes for tax year [----]. Here's everything that's changing (and how it impacts your paycheck):"  
[X Link](https://x.com/money_cruncher/status/2005651244980088890)  2025-12-29T14:44Z 177.7K followers, 3.8M engagements


"You must create "When I Die" binder. It will help the people you love find all your financial accounts and guide them on next steps. Here are [--] things to include:"  
[X Link](https://x.com/money_cruncher/status/2007896476454887560)  2026-01-04T19:26Z 177.7K followers, 1.3M engagements


"🚨BREAKING: Vanguard recently launched [--] ETFs that can replace your savings account. Here's everything you need to know about it:"  
[X Link](https://x.com/money_cruncher/status/2012535210953658510)  2026-01-17T14:39Z 177.7K followers, 1.7M engagements


"l often get asked how do I invest in my 401k. 100% of it is invested in Vanguard Institutional [---] Index Trust ($VFFSX) It's a fund with a 0.01% expense ratio compared to $VOO with 0.03%. One of the best S&P [---] funds out there but isnt available to all 401k plans"  
[X Link](https://x.com/money_cruncher/status/2019484626499027399)  2026-02-05T18:53Z 177.7K followers, 96.6K engagements


"5 most important principles of investing: don't invest in individual stocks (index fund ETFs only) stay invested regardless of headlines think long term invest consistently be patient These principles will help you make money in the stock market if you follow them"  
[X Link](https://x.com/money_cruncher/status/2019778519425761638)  2026-02-06T14:21Z 177.7K followers, 16.7K engagements


"Vanguard recently published their shocking stock return projections. They predict US stocks to grow only at 3.9-5.9% per year over the next [--] years. Be cautious when using projections of growth over the next [--] years. Its probably not 12%/yr"  
[X Link](https://x.com/money_cruncher/status/2020208178160615879)  2026-02-07T18:48Z 177.6K followers, 378.2K engagements


"One key benefit of $VUSXX is its state tax exemption. Since it primarily holds U.S. Treasury securities investors can avoid state income taxes on interest earned (a big advantage over HYSA). However it's not FDIC insured but it is backed by the U.S. Treasury"  
[X Link](https://x.com/money_cruncher/status/2020506816132849892)  2026-02-08T14:35Z 177.7K followers, 17.7K engagements


"One of the drawbacks of $VUSXX is that you can only buy in with a Vanguard account and theres a $3000 minimum. This brings me to: [--]. $VBIL $VBIL is Vanguard's newly launched 0-3 Month Treasury Bill ETF. It invests exclusively in U.S. Treasury bills (0-3 months maturity)"  
[X Link](https://x.com/money_cruncher/status/2020506817928036633)  2026-02-08T14:35Z 177.6K followers, 17.1K engagements


"3. $VMSXX If you are in the 37% tax bracket it might actually make more sense to hold $VMSXX for your short-term savings. It's Vanguard's Municipal Money Market Fund a tax-exempt fund that invests in municipal securities"  
[X Link](https://x.com/money_cruncher/status/2020506821673545824)  2026-02-08T14:35Z 177.6K followers, 14.5K engagements


"Similar to $VUSXX it tries to maintain a $1.00 NAV with a minimum investment of $3000. The yield is 2.23% but it is exempt on a federal level. Here's how you can do the calculation:"  
[X Link](https://x.com/money_cruncher/status/2020506823787413725)  2026-02-08T14:35Z 177.7K followers, 13.2K engagements


"Say you are in the 37% federal tax bracket with a 3.8% NIIT and 5% state tax. $VUSXX after-tax yield is 3.64% * (1 - 40.8%) = 2.15%. $VMSXX after-tax yield is 2.23% * (1 - 5%) = 2.11%. But tax exempt interest could also make a difference on your other tax credits/deductions"  
[X Link](https://x.com/money_cruncher/status/2020506825448419680)  2026-02-08T14:35Z 177.7K followers, 12.4K engagements


"Overall the big benefits of these funds are: [--]. Yields comparable or better than HYSAs without having to switch HYSAs every year. [--]. Tax benefits (either state tax exempt or federal). But they aren't FDIC insured like your bank"  
[X Link](https://x.com/money_cruncher/status/2020506827533037622)  2026-02-08T14:35Z 177.7K followers, 14.4K engagements


"Beating the S&P [---] is not impossible. Beating the S&P [---] over the long term consistently is very difficult. Buying the market (e.g $VTI or $VOO) is one of the best ways to invest for the 99% of people. Simple and effective"  
[X Link](https://x.com/money_cruncher/status/2020674849262416244)  2026-02-09T01:43Z 177.7K followers, 59.7K engagements


"Amazon stock is up 28% in the last [--] years. S&P [---] is up 76% in the last [--] years. Just because a stock did well in the past doesn't mean it will continue doing so well in the future. This is why I just buy index funds and chill. Best investment strategy"  
[X Link](https://x.com/money_cruncher/status/2020864244686676326)  2026-02-09T14:15Z 177.6K followers, 81.4K engagements


"If you put money in a 401k you must know the vesting schedule. It basically means how long you have to be employed until the employer's match is truly yours (money YOU put in is always yours) You don't want to quit a job [--] days before you get vested as that can cost you $$$"  
[X Link](https://x.com/money_cruncher/status/2021047909614272948)  2026-02-10T02:25Z 177.7K followers, 76.9K engagements


"A Trump account is an IRA account (that is not Roth) created for the exclusive benefit of an eligible individual: [--]. Hasn't turned [--] by the end of the year [--]. An election was filed for (more on this in a sec) [--]. Has a valid Social Security number"  
[X Link](https://x.com/money_cruncher/status/2021230438979629355)  2026-02-10T14:31Z 177.6K followers, 71K engagements


"While this account is similar to an IRA some special rules apply before age [--] (growth stage): [--]. Investments must be index funds [--]. Contribution limits are different than an IRA (not $7500 per year) [--]. Distributions are not allowed [--]. Contributions are not tax deductible"  
[X Link](https://x.com/money_cruncher/status/2021230451285807564)  2026-02-10T14:31Z 177.6K followers, 47.9K engagements


"RT @money_cruncher: 🚨 BREAKING: You can now sign up for the Trump Account for your kids. Here are all the details:"  
[X Link](https://x.com/money_cruncher/status/2021428342562619652)  2026-02-11T03:37Z 177.7K followers, [---] engagements


"The growth in a Roth account is completely tax free. Which means that you shouldnt hinder the growth. Dont hold cash. Dont hold target date funds. Dont hold bonds there. You want to choose assets that will give you the highest growth. Use other accounts (e.g pre-tax) if needed for that"  
[X Link](https://x.com/anyuser/status/2021781526476992566)  2026-02-12T03:00Z 177.7K followers, 34.6K engagements


"So many people celebrate a huge tax refund yet most of them have no idea what tax refund even represents"  
[X Link](https://x.com/anyuser/status/2021821244174479475)  2026-02-12T05:38Z 177.7K followers, 62.6K engagements


"3 years ago I sold all my individual stocks. I reinvested the money in [--] ETFs: Vanguard Technology ($VGT) and the US Total Market ($VTI) Both of them are up over 60% since that purchase with doing no work. Simple and effective"  
[X Link](https://x.com/anyuser/status/2021954484596052206)  2026-02-12T14:28Z 177.7K followers, 89K engagements


"Silver is trading like crypto meme coins BREAKING: Silver prices fall nearly -10% in [--] minutes and officially drop back below $76/oz. https://t.co/wD67hszG4D BREAKING: Silver prices fall nearly -10% in [--] minutes and officially drop back below $76/oz. https://t.co/wD67hszG4D"  
[X Link](https://x.com/anyuser/status/2022004578649268721)  2026-02-12T17:47Z 177.7K followers, 13.6K engagements


"2 good ways to think about $$$: [--]. think of monthly expenses on a yearly basis $40/mo subscription is $480/yr [--]. cost per working hour If you make $30/hr or $24/hr after-tax that $1000 iPhone is [--] hours of your working time. Is it worth wasting [--] week on it especially if you dislike your job"  
[X Link](https://x.com/anyuser/status/2022122922740265252)  2026-02-13T01:37Z 177.7K followers, 20K engagements


"108000 people were laid off in January [----]. The job market is shaky. This is exactly why you should have at least a [--] months emergency fund. Plan accordingly"  
[X Link](https://x.com/anyuser/status/2022149930908041688)  2026-02-13T03:24Z 177.7K followers, 26.2K engagements


"Roth conversions are powerful. Say you contributed to a pre-tax 401k getting a 32% deferral. You retire and are in 12% bracket using qual div/long term gains You can convert Trad - Roth until 22% and shield it from taxes before pension/RMDs/SS start. You can get a 10-20% tax spread which can be a lot of $$$"  
[X Link](https://x.com/anyuser/status/2022314368445346257)  2026-02-13T14:18Z 177.7K followers, 22.7K engagements


"Parents make a big mistake by gifting their house to their child before passing away. When that happens the child inherits the original purchase price as the cost. But if the parent keeps the home and passes it on at death the child receives a step up in basis to the market value. That means they can sell the house and pay $0 in capital gains tax"  
[X Link](https://x.com/anyuser/status/2022685420384063936)  2026-02-14T14:52Z 177.7K followers, 24K engagements


"Saw someone celebrating a $13k tax refund for [----]. Just a reminder: Tax refund = money you overpaid to the IRS and got a 0% APR on it throughout the year Its not free money"  
[X Link](https://x.com/money_cruncher/status/2014880857052643379)  2026-01-24T02:00Z 177.7K followers, 273.3K engagements


"You dont want a big tax refund. It's NOT free money. It's a loan with 0% interest for the IRS not you. Here's why a refund is a bad thing (and how to fix it):"  
[X Link](https://x.com/money_cruncher/status/2018328516929220770)  2026-02-02T14:19Z 177.7K followers, 106.5K engagements


"If you learned something new please: [--]. follow me @money_cruncher for more tips [--]. repost the first tweet so others learn how to do it [--]. send this to your friends"  
[X Link](https://x.com/anyuser/status/2021230460802613478)  2026-02-10T14:31Z 177.7K followers, 35K engagements


"P.S. If you liked this thread you'll enjoy my newsletter. Every week I share tips on how to save money on taxes build wealth and invest. Join 18000+ subscribers: http://TheCrunch.co http://TheCrunch.co"  
[X Link](https://x.com/anyuser/status/2021428323319152936)  2026-02-11T03:37Z 177.7K followers, [----] engagements


"I would never invest in target date retirement funds. Way too conservative. For example Vanguard Retirement [----] (retire in [--] years) has 8.1% of bonds. I don't think that's necessary And the expense ratio of 0.08% is high (compared to $VTI $VOO $BND etc)"  
[X Link](https://x.com/anyuser/status/2021587203382456411)  2026-02-11T14:08Z 177.7K followers, 96.4K engagements


"I dont like dividends. The tax drag is annoying. You get taxed 15% on qualified dividends. You may also pay the 3.8% NIIT plus state tax. Focusing on a dividend portfolio especially as a high earner in the accumulation stage may not be the best strategy"  
[X Link](https://x.com/money_cruncher/status/2011636718269763912)  2026-01-15T03:09Z 177.7K followers, 102.8K engagements


"The hardest and most useful thing you can do in investing is absolutely nothing. Invest your money in a portfolio of index fund ETFs and do nothing. Just stay consistent. Hold. Don't panic during drops. This is how you build real wealth"  
[X Link](https://x.com/money_cruncher/status/2019055523166089683)  2026-02-04T14:28Z 177.7K followers, 17.4K engagements


"You can use Form [----] to submit an election to open an account:"  
[X Link](https://x.com/money_cruncher/status/2021230442200899959)  2026-02-10T14:31Z 177.7K followers, 67.4K engagements


"When Roth conversions are useful: [--]. Current marginal tax rate future marginal tax rate especially if you can pay tax w/ outside money (no withholding) [--]. To reduce RMDs (assuming marginal rates make sense) [--]. Lower estate taxes [--]. Liquidity before age [--] (5 y ladder) Planning matters"  
[X Link](https://x.com/anyuser/status/2022045029695635541)  2026-02-12T20:27Z 177.7K followers, 16.2K engagements


"If you are in your 40s it's not too late to start investing. $750/mo invested for [--] years is $680k by the time you retire (8%/yr return) Add Social Security/pension and you can have a comfortable retirement. It's not too late"  
[X Link](https://x.com/anyuser/status/2022718565997252860)  2026-02-14T17:04Z 177.7K followers, [----] engagements


"🚨 BREAKING: You can now sign up for the Trump Account for your kids. Here are all the details:"  
[X Link](https://x.com/anyuser/status/2021230435762659802)  2026-02-10T14:31Z 177.7K followers, 940.9K engagements


"If you are in your 40s it's not too late to start investing. $750/mo invested for [--] years is $680k by the time you retire (8%/yr return) Add Social Security/pension and you can have a comfortable retirement. It's not too late"  
[X Link](https://x.com/anyuser/status/2022718565997252860)  2026-02-14T17:04Z 177.7K followers, [----] engagements


"Parents make a big mistake by gifting their house to their child before passing away. When that happens the child inherits the original purchase price as the cost. But if the parent keeps the home and passes it on at death the child receives a step up in basis to the market value. That means they can sell the house and pay $0 in capital gains tax"  
[X Link](https://x.com/anyuser/status/2022685420384063936)  2026-02-14T14:52Z 177.7K followers, 24K engagements


"If you invested $10k in Amazon in Feb [----] you'd have $12162 now. If you put $10k in Treasury Bills in [----] you'd have $11796 now. Amazon barely outperformed cash in the last [--] years pre-tax. For contrast putting it in $VOO would be $18665. Index funds and chill is not a bad strategy. https://twitter.com/i/web/status/2022509444199002210 https://twitter.com/i/web/status/2022509444199002210"  
[X Link](https://x.com/anyuser/status/2022509444199002210)  2026-02-14T03:13Z 177.7K followers, 192.2K engagements


"Roth conversions are powerful. Say you contributed to a pre-tax 401k getting a 32% deferral. You retire and are in 12% bracket using qual div/long term gains You can convert Trad - Roth until 22% and shield it from taxes before pension/RMDs/SS start. You can get a 10-20% tax spread which can be a lot of $$$"  
[X Link](https://x.com/anyuser/status/2022314368445346257)  2026-02-13T14:18Z 177.7K followers, 22.7K engagements


"108000 people were laid off in January [----]. The job market is shaky. This is exactly why you should have at least a [--] months emergency fund. Plan accordingly"  
[X Link](https://x.com/anyuser/status/2022149930908041688)  2026-02-13T03:24Z 177.7K followers, 26.2K engagements


"2 good ways to think about $$$: [--]. think of monthly expenses on a yearly basis $40/mo subscription is $480/yr [--]. cost per working hour If you make $30/hr or $24/hr after-tax that $1000 iPhone is [--] hours of your working time. Is it worth wasting [--] week on it especially if you dislike your job"  
[X Link](https://x.com/anyuser/status/2022122922740265252)  2026-02-13T01:37Z 177.7K followers, 20K engagements


"When Roth conversions are useful: [--]. Current marginal tax rate future marginal tax rate especially if you can pay tax w/ outside money (no withholding) [--]. To reduce RMDs (assuming marginal rates make sense) [--]. Lower estate taxes [--]. Liquidity before age [--] (5 y ladder) Planning matters"  
[X Link](https://x.com/anyuser/status/2022045029695635541)  2026-02-12T20:27Z 177.7K followers, 16.2K engagements


"Silver is trading like crypto meme coins BREAKING: Silver prices fall nearly -10% in [--] minutes and officially drop back below $76/oz. https://t.co/wD67hszG4D BREAKING: Silver prices fall nearly -10% in [--] minutes and officially drop back below $76/oz. https://t.co/wD67hszG4D"  
[X Link](https://x.com/anyuser/status/2022004578649268721)  2026-02-12T17:47Z 177.7K followers, 13.6K engagements


"BREAKING: Silver prices fall nearly -10% in [--] minutes and officially drop back below $76/oz"  
[X Link](https://x.com/anyuser/status/2021985029023576210)  2026-02-12T16:29Z 1.4M followers, 676K engagements


"3 years ago I sold all my individual stocks. I reinvested the money in [--] ETFs: Vanguard Technology ($VGT) and the US Total Market ($VTI) Both of them are up over 60% since that purchase with doing no work. Simple and effective"  
[X Link](https://x.com/anyuser/status/2021954484596052206)  2026-02-12T14:28Z 177.7K followers, 89K engagements


"So many people celebrate a huge tax refund yet most of them have no idea what tax refund even represents"  
[X Link](https://x.com/anyuser/status/2021821244174479475)  2026-02-12T05:38Z 177.7K followers, 62.6K engagements


"The growth in a Roth account is completely tax free. Which means that you shouldnt hinder the growth. Dont hold cash. Dont hold target date funds. Dont hold bonds there. You want to choose assets that will give you the highest growth. Use other accounts (e.g pre-tax) if needed for that"  
[X Link](https://x.com/anyuser/status/2021781526476992566)  2026-02-12T03:00Z 177.7K followers, 34.6K engagements


"I would never invest in target date retirement funds. Way too conservative. For example Vanguard Retirement [----] (retire in [--] years) has 8.1% of bonds. I don't think that's necessary And the expense ratio of 0.08% is high (compared to $VTI $VOO $BND etc)"  
[X Link](https://x.com/anyuser/status/2021587203382456411)  2026-02-11T14:08Z 177.7K followers, 96.4K engagements


"My [----] W-2 total was $48k My [----] W-2 total was $86k My [----] W-2 total was $119k [----] projected is $200k+ Job hopping works"  
[X Link](https://x.com/anyuser/status/2021442977743491117)  2026-02-11T04:35Z 177.7K followers, 83.1K engagements


"P.S. If you liked this thread you'll enjoy my newsletter. Every week I share tips on how to save money on taxes build wealth and invest. Join 18000+ subscribers: http://TheCrunch.co http://TheCrunch.co"  
[X Link](https://x.com/anyuser/status/2021428323319152936)  2026-02-11T03:37Z 177.7K followers, [----] engagements


""I want to hire my kids in my biz to pay less taxes How to do it: [--]. Pay reasonable wages [--]. Hourly tracking [--]. Entity matters (corp vs partnership) [--]. Must actually pay the child [--]. File paperwork (W-2 [----] payroll) [--]. Keep in mind child labor laws Whether its worth it is a different story. It may or may not depending on your business and circumstances. https://twitter.com/i/web/status/2021360191036588486 https://twitter.com/i/web/status/2021360191036588486"  
[X Link](https://x.com/anyuser/status/2021360191036588486)  2026-02-10T23:06Z 177.7K followers, 19.2K engagements


"My take on the account: If you are an average American (not rich) get the $1k get the employer contribution but [---] plan is likley better. If you are wealthy and can do both [---] plan and max this account do it. Convert to Roth at [--] and your child will be set"  
[X Link](https://x.com/anyuser/status/2021230458223116613)  2026-02-10T14:31Z 177.7K followers, 38.9K engagements


"If you learned something new please: [--]. follow me @money_cruncher for more tips [--]. repost the first tweet so others learn how to do it [--]. send this to your friends"  
[X Link](https://x.com/anyuser/status/2021230460802613478)  2026-02-10T14:31Z 177.7K followers, 35K engagements

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