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#  @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: XXXXXXX [#](/creator/twitter::1635004022506627073/interactions)
- X Week XXXXXXXXX +23%
- X Month XXXXXXXXX +125%
- X Months XXXXXXXXXX -XX%
- X Year XXXXXXXXXX +317%
### Mentions: XX [#](/creator/twitter::1635004022506627073/posts_active)
- X Week XX -XX%
- X Month XXX +69%
- X Months XXX +34%
- X Year XXXXX +121%
### Followers: XXXXXXX [#](/creator/twitter::1635004022506627073/followers)
- X Week XXXXXXX +1.20%
- X Month XXXXXXX +3.60%
- X Months XXXXXXX +17%
- X Year XXXXXXX +244%
### CreatorRank: XXXXXX [#](/creator/twitter::1635004022506627073/influencer_rank)
### Social Influence [#](/creator/twitter::1635004022506627073/influence)
---
**Social category influence**
[finance](/list/finance) #949 [stocks](/list/stocks) XXXX% [technology brands](/list/technology-brands) XXXX% [cryptocurrencies](/list/cryptocurrencies) XXXX% [countries](/list/countries) XXXX%
**Social topic influence**
[money](/topic/money) #401, [vanguard](/topic/vanguard) 3.76%, [agi](/topic/agi) #20, [loan](/topic/loan) 3.76%, [stocks](/topic/stocks) #237, [$10m](/topic/$10m) 2.26%, [losses](/topic/losses) #143, [capital gains](/topic/capital-gains) 1.5%, [electric vehicle](/topic/electric-vehicle) 1.5%, [threshold](/topic/threshold) XXX%
**Top accounts mentioned or mentioned by**
[@moneycruncher](/creator/undefined) [@glen_nqdc](/creator/undefined) [@vegasrenegade](/creator/undefined) [@ryanlellis](/creator/undefined) [@lisa_herr1](/creator/undefined) [@ayoayoxayo](/creator/undefined) [@theshiva82](/creator/undefined) [@donaldjtrumpjr](/creator/undefined) [@gavinnewsom](/creator/undefined) [@aoc](/creator/undefined) [@unusualwhales](/creator/undefined) [@jdvance](/creator/undefined) [@leadingreport](/creator/undefined) [@sammybarrow32](/creator/undefined) [@ricodaveh](/creator/undefined) [@tomleaf](/creator/undefined) [@edit_susan](/creator/undefined) [@hkanji](/creator/undefined) [@bigpoppah1](/creator/undefined) [@peterlkim](/creator/undefined)
**Top assets mentioned**
[Uber Technologies, Inc. (UBER)](/topic/$uber) [Bitcoin (BTC)](/topic/$btc) [Bank of America (BAC)](/topic/bank-of-america) [PayPal Holdings Inc (PYPL)](/topic/paypal)
### Top Social Posts [#](/creator/twitter::1635004022506627073/posts)
---
Top posts by engagements in the last XX hours
"1. Qualified Business Income (QBI) deduction The new tax law permanently extended the XX% deduction for business owners effective 2026. As a reminder this deduction was going to expire in 2026 but it was extended under the new law"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945472881502146715) 2025-07-16 13:17:34 UTC 139.3K followers, 19.5K engagements
"6. Business interest & R&D The bill also permanently reinstates the EBITDA limitation on business interest deductions which will help businesses deduct more business interest. It also brings back immediate expensing for research and development (R&D) expenses"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945472902079344714) 2025-07-16 13:17:39 UTC 139.3K followers, 12.5K 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:"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1941277420323213718) 2025-07-04 23:26:18 UTC 139.3K followers, 1M engagements
"My savings account pays me XXXX% interest. What are my options X. Treasury bill ladder: XXXX% X. Vanguard money market funds: XXXX% X. HYSA (CIT bank CIBC Capital One Ally etc): 3.5%-4.0% I personally use Vanguards MMF. Where do you keep your savings"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1940397830398701669) 2025-07-02 13:11:08 UTC 139.3K followers, 80.8K engagements
"You also might know that the maximum deduction you can take depends on the type of donation. Stocks = max XX% of AGI Cash = max XX% of AGI If a charitable deduction exceeds the above AGI limits then the XXX% AGI floor is carried over"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946928142527934870) 2025-07-20 13:40:16 UTC 139.3K followers, 3681 engagements
"Theres a guy whos been DMing me for X months sharing unsolicited stocks tips. Apr 28: Meta (up XX% since) May 4: Palantir (up XX% since) May 15: Crispr (up XX% since) He just sent me his latest pick yesterday 🤔😂"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946731770688205283) 2025-07-20 00:39:57 UTC 139.3K followers, 44.5K engagements
"2 main methods real estate investors use to "convert" passive losses into non-passive: X. Short term rental strategy X. Real estate professional status Let me explain"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946195824653795509) 2025-07-18 13:10:17 UTC 139.3K followers, 46.3K engagements
"3. Qualified Small Business Stock (QSBS) If want to sell your business you've probably heard of QSBS. It allows you to sell your business and pay X% capital gains tax on up to $10M in gains for C-corp stock if held for X years and assets $50M"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945472892726100409) 2025-07-16 13:17:37 UTC 139.3K followers, 11.2K engagements
"If you learned something new please: X. follow me @money_cruncher for more CPA breakdowns X. repost the first post so others can learn"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1944395268037706120) 2025-07-13 13:55:31 UTC 139.3K followers, 24.6K engagements
"2. Used Clean Vehicle Credit (25E) If you buy a qualified used electric vehicle (EV) or fuel cell vehicle (FCV) from a dealer for $25000 or less you could qualify for the used clean vehicle tax credit. This credit is worth XX% of the sale price up to a maximum of $4000"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945832680945271035) 2025-07-17 13:07:17 UTC 139.2K followers, 3222 engagements
"1. Short-term rental If the average customer stay is less than X days (e.g Airbnb) and you materially participate in the rental business for at least XXX hours (and more than anyone else) these losses can be taken against your active income"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946195826809655327) 2025-07-18 13:10:18 UTC 139.3K followers, 41.6K engagements
"BREAKING: Vanguard just released X ETFs that can replace your high yield savings account. Here's everything you need to know about it:"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1890190210924978620) 2025-02-14 00:03:58 UTC 139.3K followers, 1.1M engagements
"Congress just created a special IRA account called "Trump account" I reviewed all the specifics so you don't have to. Here's everything you need to know (and if it's even worth contributing):"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1942933881650377148) 2025-07-09 13:08:30 UTC 139.3K followers, 158.8K engagements
"🚨New tax bill just quadrupled SALT cap from $10000 to $40000 starting in 2025. With the right "bunching" strategy you could save thousands in taxes. Here's how to make it work for you:"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1944746269269803423) 2025-07-14 13:10:16 UTC 139.3K followers, 274.8K engagements
"8. No tax on overtime A new $12500 deduction (single) or $25000 (married jointly) is created for overtime effective from 2025 through 2028. The deduction is reduced by $XXX for each $1000 by which your gross income exceeds $150000 (single) or $300000 (married)"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1941277436265840928) 2025-07-04 23:26:22 UTC 139.1K followers, 76.7K engagements
"In addition the 1099-K form limit (for apps like eBay Uber PayPal Venmo etc) is increasing from a $XXX threshold to $20000 AND XXX transactions. This is a big change to reduce the administrative (not taxability) impact on business owners and side gigs"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945472889467077010) 2025-07-16 13:17:36 UTC 139.3K followers, 12.4K engagements
"Thanks for reading. I would really appreciate it if you can: X. follow me @money_cruncher X. retweet the first tweet"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1926634508725498203) 2025-05-25 13:40:36 UTC 139.3K followers, 10.9K engagements
""Trump account" is a custodial traditional IRA account (section 408(a)) with certain modifications. This account would be created by the Treasury Secretary for the exclusive benefit of an "eligible beneficiary" Let's break that down further"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1942933883466531115) 2025-07-09 13:08:30 UTC 139.1K followers, 12.1K engagements
"Here is what investing $10/day for XXX days into $BTC looks like:"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1782951027576025269) 2024-04-24 01:53:45 UTC 138.9K followers, 17.5K engagements
""I have $20k to invest. Should I invest it all at once or cost average" Research shows that lump sum outperforms cost averaging XX% of the time (Finlay and Zorn paper) BUT for a risk-averse investor with significant loss aversion it may be better to cost average. In any case either is better than sitting on cash"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1937580027329048800) 2025-06-24 18:34:11 UTC 139.3K followers, 57.6K engagements
"70414 of the OBBBA expands XXX plan eligibility to cover: Tuition fees and books for enrolling in a postsecondary credentials Exam fees needed to obtain/maintain the credential Continuing education fees This would allow XXX plans to cover fees related to CFPs or CPAs"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946564070284329272) 2025-07-19 13:33:34 UTC 139.3K followers, 5632 engagements
"You could legally pay $X in federal taxes even on $300000 of W-2 income. And the new tax bill just made it a lot easier. Here's how to take advantage of this:"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946195814730100996) 2025-07-18 13:10:15 UTC 139.3K followers, 723.6K engagements
"9. Car loans There will be a $10k deduction on car loan interest effective from 2025-2028. The deduction will be reduced by $XXX for each $1000 by which your gross income exceeds $100k (or $200k if married). The final assembly of the car must be within the US to qualify"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1941277438283309110) 2025-07-04 23:26:23 UTC 139.3K followers, 79.2K engagements
"The new bill changed the 5-year requirement for stock issued after July X 2025: If held for X years - XX% exclusion If held for X years - XX% If held for X years - XXX% It also increased the asset caps to $XX million and the exemption amount to $XX million"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945472895339176025) 2025-07-16 13:17:38 UTC 139.3K followers, 10.3K engagements
"Bank of America Chase and Wells Fargo are paying you XXXX% while earning billions off your cash. But there are plenty of ways to make 4%+ safely and not get robbed. Here are X better options:"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1935480175371706777) 2025-06-18 23:30:07 UTC 139.3K followers, 195.9K engagements
"There is a lot of misinformation and confusion about the "no tax on overtime" Let me break it down exactly how it works (with real examples and tax impacts):"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1941849282102829206) 2025-07-06 13:18:41 UTC 139.3K followers, 151.9K engagements
"This means that you can receive a XX% deduction based on the qualified income from your business with some limitations. The tax law also increases the phase-in amounts from $50000 to $75000 (single) and from $100000 to $150000 (married filing jointly)"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945472883423166802) 2025-07-16 13:17:35 UTC 139.3K followers, 14.1K engagements
"Tax move #4: John received an inheritance and wants to donate to an organization that is deeply close to his heart. His AGI is $150000 and he donates $50000 in stocks. XXX% floor = $XXX Allowed donation deduction = $50000 - $XXX = $49250"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946928144625041894) 2025-07-20 13:40:16 UTC 139.3K followers, 3288 engagements
"The new tax bill completely changed the $XXX threshold for 1099-K reporting on Venmo PayPal CashApp Stripe and others. If you use these apps heres everything you need to know about whats changing:"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1943660184175272398) 2025-07-11 13:14:34 UTC 139.3K followers, 431.5K engagements
"He is expecting to sell it for $500000. This means that John would be in a XX% rate. John would be better off skipping the 2025 donation and donating an increased amount in 2026 even with the XXX% floor because of such a rapid growth in income (24% - 37%)"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946928140430782650) 2025-07-20 13:40:15 UTC 139.3K followers, 4038 engagements
"Now let's discuss the *qualifying* auto loan. First the car must be new ("the original use of which commences with the taxpayer") It must also have at least two wheels be made for public road use and weigh under 14000 lbs. ATVs trailers and campers are not eligible"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1943297017490350519) 2025-07-10 13:11:28 UTC 139.3K followers, 24K engagements
"@GavinNewsom #48 on the list in the state tax competitiveness:"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946360516500172931) 2025-07-19 00:04:43 UTC 139.3K followers, 15.6K engagements
"If you have kids pay attention. The new tax bill significantly upgraded XXX savings plans. Here's everything that's changing:"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1944395247758307701) 2025-07-13 13:55:26 UTC 139.3K followers, 405.9K engagements
"Maximum deduction based on XX% AGI = $45000 ($150k * 30%) So the $49250 - $45000 = $4250 will be carried forward AND the $XXX floor for $5000 total. If you're near the AGI limit contributing more could "save" on the XXX% floor"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946928146411888678) 2025-07-20 13:40:16 UTC 139.3K followers, 7459 engagements
""I need to park $50000 of cash for the next XX months. Where should I put it" I personally would use: - $VUSXX (Vanguard Treasury MM Fund) state tax exempt XXXX% yield OR - $VMSXX (Vanguard Municipal MM Fund) if you are a high earner federal tax exempt XXXX% yield"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1928156874567762091) 2025-05-29 18:29:56 UTC 139.3K followers, 82.1K engagements
"90% of Americans never got a tax break for donating to charity. The new tax bill completely overhauls charitable giving. X tax planning moves to make before the rules change:"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946928121849983441) 2025-07-20 13:40:11 UTC 139.3K followers, 67.5K engagements
"4. "Trump account" The new law creates a pilot program allowing parents to receive a $1000 credit which the U.S. government will deposit into a "Trump Account" on behalf of each eligible child (any U.S. citizen born in 2025 2026 or 2027)"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946564072343851147) 2025-07-19 13:33:34 UTC 139.3K followers, 5251 engagements
"5. Section XXX The new tax bill increases the limit to immediately deduct (instead of depreciate) machinery equipment vehicles etc from $1.25M in 2025 to $2.5M and raises the phaseout amount to $4M. These limits will continue to be adjusted annually for inflation"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945472899562819792) 2025-07-16 13:17:39 UTC 139.3K followers, 8934 engagements
"Overall the OBBB tax changes include many favorable policies for business owners. If you enjoyed this post please: X. follow me @money_cruncher for more CPA content X. repost the first post so others can learn"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945472904134553947) 2025-07-16 13:17:40 UTC 139.3K followers, 11.8K engagements
"The new tax bill allows a maximum deduction of $10000 for auto loan interest. This means you can write off up to $10000 per year in interest paid on *qualifying* auto loans. But it comes with requirements"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1943297007495303415) 2025-07-10 13:11:25 UTC 139.3K followers, 26.3K engagements
"The new tax bill allows you to write off car loan interest. BUT only certain types of cars and loans qualify. Here's exactly how it works:"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1943297005985403380) 2025-07-10 13:11:25 UTC 139.3K followers, 316.5K engagements
"The new tax bill made a massive change: XXX% bonus depreciation for property placed in service after January XX 2025 instead of 40%. This allows for big tax savings for real estate investors"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946195816495870373) 2025-07-18 13:10:15 UTC 139.3K followers, 70K engagements
"The new tax law made a lot of changes for business owners and side hustlers with many provisions going into effect retroactively to 2025. My goal is to cover them so you are informed on the impacts on your taxes"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945472878754910219) 2025-07-16 13:17:34 UTC 139.3K followers, 15.1K engagements
"1. Clean Vehicle Credit (30D) If you buy a new plug in electric vehicle (EV) or fuel cell vehicle (FCV) you may qualify for a $7500 tax credit (reduction of your tax liability not a deduction) The new law removes this credit as of October X 2025"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945832674880373178) 2025-07-17 13:07:16 UTC 139.3K followers, 7810 engagements
"🚨New tax bill is removing most energy tax credits. EVs solar panels and home upgrade credits are all expiring very soon. Here's what you need to know (and why waiting could cost you thousands):"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945832672808358256) 2025-07-17 13:07:15 UTC 139.3K followers, 68.9K engagements
"This credit could actually be combined with the new legislation on auto loan interest deduction. The new tax bill allows a maximum deduction of $10000 for auto loan interest initiated in 2025 for a US assembled car"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945832678864957877) 2025-07-17 13:07:17 UTC 139.2K followers, 3422 engagements
"I'm making a thread answering questions about the new tax bill Comment below if you have any questions 👇"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946757289219657877) 2025-07-20 02:21:21 UTC 139.3K followers, 24.8K engagements
"Now when you sell this rental you will face a depreciation recapture. Here are X strategies to lower the impact: pass away and give the rentals to your children 1031 exchange direct indexing to do tax loss harvesting installment sales opportunity zones"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946195833214349413) 2025-07-18 13:10:19 UTC 139.3K followers, 28.6K engagements
"2. Charitable contributions floor Section 70425 of OBBBA also created a floor on the deductions of charitable contributions equal to XXX% of Adjusted Gross Income (AGI) starting in 2026 if you itemize. Your charitable deduction is only allowed if it exceeds XXX% of your AGI"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946928131475993085) 2025-07-20 13:40:13 UTC 139.3K followers, 6149 engagements
"4. Bonus depreciation The tax bill revives XXX% bonus depreciation for property placed in service on or after Jan XX 2025. This is a great way for biz owners to save money on taxes especially when starting out and Section XXX isn't as effective due to income limitations"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945472897469845572) 2025-07-16 13:17:38 UTC 139.3K followers, 9558 engagements
"Do you make less than $150000/yr Heres how the new tax bill will impact your taxes starting in 2025 (with examples):"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1944031996889411901) 2025-07-12 13:52:01 UTC 139.1K followers, 148.4K engagements
"If you have a business or a side gig pay attention. The new tax bill made a lot of changes to your taxes. Here's what it means for your wallet:"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945472876238299408) 2025-07-16 13:17:33 UTC 139.3K followers, 253.5K engagements
"@LeadingReport This just means that the sales tax will increase"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1941179436193415582) 2025-07-04 16:56:57 UTC 139.3K followers, 140.3K engagements
"I inherited $500000 what should I do I would: X. Pay off any debt with interest of 7%+ X. Invest the rest in $VTI and $VGT What would you do"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1938758020726694082) 2025-06-28 00:35:07 UTC 139.3K followers, 84.6K engagements
"People in the $10M+ income range saw the smallest percentage point decrease from 2017 to 2018. Looking at the actual numbers total income tax for this group dropped slightly from $163B to $161B. Compare that to the $100K-$199K range where taxes dropped from $340B to $320B"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945100329743212600) 2025-07-15 12:37:11 UTC 139.3K followers, 5652 engagements
"Tax move #2: John makes $1000000 of AGI per year. He is itemizing his deductions in 2025. John donates $10000 per year to charity. John is in the XX% tax bracket. If John donates $10000 in 2025 he can take the entire $10000 deduction (since he is itemizing). BUT"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946928133673746573) 2025-07-20 13:40:13 UTC 139.3K followers, 5735 engagements
"I have a very exciting newsletter coming tomorrow at 8:30 AM ET. Its all about step-up basis rules reducing capital gains tax irrevocable trust swap powers basis planning and more. Guaranteed to save you money on taxes. Sign up here: 👇"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1928614156975943947) 2025-05-31 00:47:01 UTC 139.3K followers, 12.2K engagements
"The new tax bill makes major changes to the child tax credit dependent care credit XXX plans and more. If you have kids (or plan to) you need to read this:"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946564051380625430) 2025-07-19 13:33:29 UTC 139.3K followers, 86.4K engagements
"I love Vanguard funds. Heres why: Vanguards average ETF expense ratio is just 0.05%. The industry average ETF expense ratio is 0.22%. These costs compound over the long term and could cost thousands of dollars"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1940762367681614232) 2025-07-03 13:19:40 UTC 139.3K followers, 27.8K engagements
"$200k - $499k: XXXX% drop to XXXX% (2.6pp) $500k - $999k: XXXX% drop to XXXX% (2.2pp) $1M - $1.49M: XXXX% drop to XX% (1.6pp) $1.5M - $1.99M: XXXX% drop to XXXX% (1.4pp) $2M - $4.99M: XXXX% drop to XXXX% (1.2pp) $5M - $9.99M: XXXX% drop to XXXX% (1pp) $10M+: XXXX% drop to XXXX% (.8pp)"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945100326303875576) 2025-07-15 12:37:10 UTC 139.3K followers, 6644 engagements
"People say "Trump tax bills gave tax cuts only to billionaires" I analyzed IRS data from 152.9M tax returns and the new tax bill to find out if that's true. Here's what you must know:"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1945100312198451286) 2025-07-15 12:37:07 UTC 139.3K followers, 79.5K engagements
"Should I use Vanguard or Fidelity for my investments Both are good options. Vanguard - low cost funds better money market funds Fidelity - better support UI cash management You can use Fidelity and buy Vanguard funds. Or use Vanguard if you need a higher yield MMF"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1939315684049052026) 2025-06-29 13:31:04 UTC 139.3K followers, 49.4K engagements
"Tax move #1: John wants to donate $1000 to charity in 2025. He is in a XX% rate. He is taking the standard deduction in 2025 & 2026. John would be better off waiting until 1/1/2026 to donate which will save him $XXX on taxes that year vs $X saved in 2025"
 [@money_cruncher](/creator/x/money_cruncher) on [X](/post/tweet/1946928129445970042) 2025-07-20 13:40:12 UTC 139.3K followers, 6164 engagements
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@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: XXXXXXX #
- X Week XXXXXXXXX +23%
- X Month XXXXXXXXX +125%
- X Months XXXXXXXXXX -XX%
- X Year XXXXXXXXXX +317%
Mentions: XX #
- X Week XX -XX%
- X Month XXX +69%
- X Months XXX +34%
- X Year XXXXX +121%
Followers: XXXXXXX #
- X Week XXXXXXX +1.20%
- X Month XXXXXXX +3.60%
- X Months XXXXXXX +17%
- X Year XXXXXXX +244%
CreatorRank: XXXXXX #
Social Influence #
Social category influence finance #949 stocks XXXX% technology brands XXXX% cryptocurrencies XXXX% countries XXXX%
Social topic influence money #401, vanguard 3.76%, agi #20, loan 3.76%, stocks #237, $10m 2.26%, losses #143, capital gains 1.5%, electric vehicle 1.5%, threshold XXX%
Top accounts mentioned or mentioned by @moneycruncher @glen_nqdc @vegasrenegade @ryanlellis @lisa_herr1 @ayoayoxayo @theshiva82 @donaldjtrumpjr @gavinnewsom @aoc @unusualwhales @jdvance @leadingreport @sammybarrow32 @ricodaveh @tomleaf @edit_susan @hkanji @bigpoppah1 @peterlkim
Top assets mentioned Uber Technologies, Inc. (UBER) Bitcoin (BTC) Bank of America (BAC) PayPal Holdings Inc (PYPL)
Top Social Posts #
Top posts by engagements in the last XX hours
"1. Qualified Business Income (QBI) deduction The new tax law permanently extended the XX% deduction for business owners effective 2026. As a reminder this deduction was going to expire in 2026 but it was extended under the new law"
@money_cruncher on X 2025-07-16 13:17:34 UTC 139.3K followers, 19.5K engagements
"6. Business interest & R&D The bill also permanently reinstates the EBITDA limitation on business interest deductions which will help businesses deduct more business interest. It also brings back immediate expensing for research and development (R&D) expenses" @money_cruncher on X 2025-07-16 13:17:39 UTC 139.3K followers, 12.5K 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:" @money_cruncher on X 2025-07-04 23:26:18 UTC 139.3K followers, 1M engagements
"My savings account pays me XXXX% interest. What are my options X. Treasury bill ladder: XXXX% X. Vanguard money market funds: XXXX% X. HYSA (CIT bank CIBC Capital One Ally etc): 3.5%-4.0% I personally use Vanguards MMF. Where do you keep your savings" @money_cruncher on X 2025-07-02 13:11:08 UTC 139.3K followers, 80.8K engagements
"You also might know that the maximum deduction you can take depends on the type of donation. Stocks = max XX% of AGI Cash = max XX% of AGI If a charitable deduction exceeds the above AGI limits then the XXX% AGI floor is carried over" @money_cruncher on X 2025-07-20 13:40:16 UTC 139.3K followers, 3681 engagements
"Theres a guy whos been DMing me for X months sharing unsolicited stocks tips. Apr 28: Meta (up XX% since) May 4: Palantir (up XX% since) May 15: Crispr (up XX% since) He just sent me his latest pick yesterday 🤔😂" @money_cruncher on X 2025-07-20 00:39:57 UTC 139.3K followers, 44.5K engagements
"2 main methods real estate investors use to "convert" passive losses into non-passive: X. Short term rental strategy X. Real estate professional status Let me explain" @money_cruncher on X 2025-07-18 13:10:17 UTC 139.3K followers, 46.3K engagements
"3. Qualified Small Business Stock (QSBS) If want to sell your business you've probably heard of QSBS. It allows you to sell your business and pay X% capital gains tax on up to $10M in gains for C-corp stock if held for X years and assets $50M" @money_cruncher on X 2025-07-16 13:17:37 UTC 139.3K followers, 11.2K engagements
"If you learned something new please: X. follow me @money_cruncher for more CPA breakdowns X. repost the first post so others can learn" @money_cruncher on X 2025-07-13 13:55:31 UTC 139.3K followers, 24.6K engagements
"2. Used Clean Vehicle Credit (25E) If you buy a qualified used electric vehicle (EV) or fuel cell vehicle (FCV) from a dealer for $25000 or less you could qualify for the used clean vehicle tax credit. This credit is worth XX% of the sale price up to a maximum of $4000" @money_cruncher on X 2025-07-17 13:07:17 UTC 139.2K followers, 3222 engagements
"1. Short-term rental If the average customer stay is less than X days (e.g Airbnb) and you materially participate in the rental business for at least XXX hours (and more than anyone else) these losses can be taken against your active income" @money_cruncher on X 2025-07-18 13:10:18 UTC 139.3K followers, 41.6K engagements
"BREAKING: Vanguard just released X ETFs that can replace your high yield savings account. Here's everything you need to know about it:" @money_cruncher on X 2025-02-14 00:03:58 UTC 139.3K followers, 1.1M engagements
"Congress just created a special IRA account called "Trump account" I reviewed all the specifics so you don't have to. Here's everything you need to know (and if it's even worth contributing):" @money_cruncher on X 2025-07-09 13:08:30 UTC 139.3K followers, 158.8K engagements
"🚨New tax bill just quadrupled SALT cap from $10000 to $40000 starting in 2025. With the right "bunching" strategy you could save thousands in taxes. Here's how to make it work for you:" @money_cruncher on X 2025-07-14 13:10:16 UTC 139.3K followers, 274.8K engagements
"8. No tax on overtime A new $12500 deduction (single) or $25000 (married jointly) is created for overtime effective from 2025 through 2028. The deduction is reduced by $XXX for each $1000 by which your gross income exceeds $150000 (single) or $300000 (married)" @money_cruncher on X 2025-07-04 23:26:22 UTC 139.1K followers, 76.7K engagements
"In addition the 1099-K form limit (for apps like eBay Uber PayPal Venmo etc) is increasing from a $XXX threshold to $20000 AND XXX transactions. This is a big change to reduce the administrative (not taxability) impact on business owners and side gigs" @money_cruncher on X 2025-07-16 13:17:36 UTC 139.3K followers, 12.4K engagements
"Thanks for reading. I would really appreciate it if you can: X. follow me @money_cruncher X. retweet the first tweet" @money_cruncher on X 2025-05-25 13:40:36 UTC 139.3K followers, 10.9K engagements
""Trump account" is a custodial traditional IRA account (section 408(a)) with certain modifications. This account would be created by the Treasury Secretary for the exclusive benefit of an "eligible beneficiary" Let's break that down further" @money_cruncher on X 2025-07-09 13:08:30 UTC 139.1K followers, 12.1K engagements
"Here is what investing $10/day for XXX days into $BTC looks like:" @money_cruncher on X 2024-04-24 01:53:45 UTC 138.9K followers, 17.5K engagements
""I have $20k to invest. Should I invest it all at once or cost average" Research shows that lump sum outperforms cost averaging XX% of the time (Finlay and Zorn paper) BUT for a risk-averse investor with significant loss aversion it may be better to cost average. In any case either is better than sitting on cash" @money_cruncher on X 2025-06-24 18:34:11 UTC 139.3K followers, 57.6K engagements
"70414 of the OBBBA expands XXX plan eligibility to cover: Tuition fees and books for enrolling in a postsecondary credentials Exam fees needed to obtain/maintain the credential Continuing education fees This would allow XXX plans to cover fees related to CFPs or CPAs" @money_cruncher on X 2025-07-19 13:33:34 UTC 139.3K followers, 5632 engagements
"You could legally pay $X in federal taxes even on $300000 of W-2 income. And the new tax bill just made it a lot easier. Here's how to take advantage of this:" @money_cruncher on X 2025-07-18 13:10:15 UTC 139.3K followers, 723.6K engagements
"9. Car loans There will be a $10k deduction on car loan interest effective from 2025-2028. The deduction will be reduced by $XXX for each $1000 by which your gross income exceeds $100k (or $200k if married). The final assembly of the car must be within the US to qualify" @money_cruncher on X 2025-07-04 23:26:23 UTC 139.3K followers, 79.2K engagements
"The new bill changed the 5-year requirement for stock issued after July X 2025: If held for X years - XX% exclusion If held for X years - XX% If held for X years - XXX% It also increased the asset caps to $XX million and the exemption amount to $XX million" @money_cruncher on X 2025-07-16 13:17:38 UTC 139.3K followers, 10.3K engagements
"Bank of America Chase and Wells Fargo are paying you XXXX% while earning billions off your cash. But there are plenty of ways to make 4%+ safely and not get robbed. Here are X better options:" @money_cruncher on X 2025-06-18 23:30:07 UTC 139.3K followers, 195.9K engagements
"There is a lot of misinformation and confusion about the "no tax on overtime" Let me break it down exactly how it works (with real examples and tax impacts):" @money_cruncher on X 2025-07-06 13:18:41 UTC 139.3K followers, 151.9K engagements
"This means that you can receive a XX% deduction based on the qualified income from your business with some limitations. The tax law also increases the phase-in amounts from $50000 to $75000 (single) and from $100000 to $150000 (married filing jointly)" @money_cruncher on X 2025-07-16 13:17:35 UTC 139.3K followers, 14.1K engagements
"Tax move #4: John received an inheritance and wants to donate to an organization that is deeply close to his heart. His AGI is $150000 and he donates $50000 in stocks. XXX% floor = $XXX Allowed donation deduction = $50000 - $XXX = $49250" @money_cruncher on X 2025-07-20 13:40:16 UTC 139.3K followers, 3288 engagements
"The new tax bill completely changed the $XXX threshold for 1099-K reporting on Venmo PayPal CashApp Stripe and others. If you use these apps heres everything you need to know about whats changing:" @money_cruncher on X 2025-07-11 13:14:34 UTC 139.3K followers, 431.5K engagements
"He is expecting to sell it for $500000. This means that John would be in a XX% rate. John would be better off skipping the 2025 donation and donating an increased amount in 2026 even with the XXX% floor because of such a rapid growth in income (24% - 37%)" @money_cruncher on X 2025-07-20 13:40:15 UTC 139.3K followers, 4038 engagements
"Now let's discuss the qualifying auto loan. First the car must be new ("the original use of which commences with the taxpayer") It must also have at least two wheels be made for public road use and weigh under 14000 lbs. ATVs trailers and campers are not eligible" @money_cruncher on X 2025-07-10 13:11:28 UTC 139.3K followers, 24K engagements
"@GavinNewsom #48 on the list in the state tax competitiveness:" @money_cruncher on X 2025-07-19 00:04:43 UTC 139.3K followers, 15.6K engagements
"If you have kids pay attention. The new tax bill significantly upgraded XXX savings plans. Here's everything that's changing:" @money_cruncher on X 2025-07-13 13:55:26 UTC 139.3K followers, 405.9K engagements
"Maximum deduction based on XX% AGI = $45000 ($150k * 30%) So the $49250 - $45000 = $4250 will be carried forward AND the $XXX floor for $5000 total. If you're near the AGI limit contributing more could "save" on the XXX% floor" @money_cruncher on X 2025-07-20 13:40:16 UTC 139.3K followers, 7459 engagements
""I need to park $50000 of cash for the next XX months. Where should I put it" I personally would use: - $VUSXX (Vanguard Treasury MM Fund) state tax exempt XXXX% yield OR - $VMSXX (Vanguard Municipal MM Fund) if you are a high earner federal tax exempt XXXX% yield" @money_cruncher on X 2025-05-29 18:29:56 UTC 139.3K followers, 82.1K engagements
"90% of Americans never got a tax break for donating to charity. The new tax bill completely overhauls charitable giving. X tax planning moves to make before the rules change:" @money_cruncher on X 2025-07-20 13:40:11 UTC 139.3K followers, 67.5K engagements
"4. "Trump account" The new law creates a pilot program allowing parents to receive a $1000 credit which the U.S. government will deposit into a "Trump Account" on behalf of each eligible child (any U.S. citizen born in 2025 2026 or 2027)" @money_cruncher on X 2025-07-19 13:33:34 UTC 139.3K followers, 5251 engagements
"5. Section XXX The new tax bill increases the limit to immediately deduct (instead of depreciate) machinery equipment vehicles etc from $1.25M in 2025 to $2.5M and raises the phaseout amount to $4M. These limits will continue to be adjusted annually for inflation" @money_cruncher on X 2025-07-16 13:17:39 UTC 139.3K followers, 8934 engagements
"Overall the OBBB tax changes include many favorable policies for business owners. If you enjoyed this post please: X. follow me @money_cruncher for more CPA content X. repost the first post so others can learn" @money_cruncher on X 2025-07-16 13:17:40 UTC 139.3K followers, 11.8K engagements
"The new tax bill allows a maximum deduction of $10000 for auto loan interest. This means you can write off up to $10000 per year in interest paid on qualifying auto loans. But it comes with requirements" @money_cruncher on X 2025-07-10 13:11:25 UTC 139.3K followers, 26.3K engagements
"The new tax bill allows you to write off car loan interest. BUT only certain types of cars and loans qualify. Here's exactly how it works:" @money_cruncher on X 2025-07-10 13:11:25 UTC 139.3K followers, 316.5K engagements
"The new tax bill made a massive change: XXX% bonus depreciation for property placed in service after January XX 2025 instead of 40%. This allows for big tax savings for real estate investors" @money_cruncher on X 2025-07-18 13:10:15 UTC 139.3K followers, 70K engagements
"The new tax law made a lot of changes for business owners and side hustlers with many provisions going into effect retroactively to 2025. My goal is to cover them so you are informed on the impacts on your taxes" @money_cruncher on X 2025-07-16 13:17:34 UTC 139.3K followers, 15.1K engagements
"1. Clean Vehicle Credit (30D) If you buy a new plug in electric vehicle (EV) or fuel cell vehicle (FCV) you may qualify for a $7500 tax credit (reduction of your tax liability not a deduction) The new law removes this credit as of October X 2025" @money_cruncher on X 2025-07-17 13:07:16 UTC 139.3K followers, 7810 engagements
"🚨New tax bill is removing most energy tax credits. EVs solar panels and home upgrade credits are all expiring very soon. Here's what you need to know (and why waiting could cost you thousands):" @money_cruncher on X 2025-07-17 13:07:15 UTC 139.3K followers, 68.9K engagements
"This credit could actually be combined with the new legislation on auto loan interest deduction. The new tax bill allows a maximum deduction of $10000 for auto loan interest initiated in 2025 for a US assembled car" @money_cruncher on X 2025-07-17 13:07:17 UTC 139.2K followers, 3422 engagements
"I'm making a thread answering questions about the new tax bill Comment below if you have any questions 👇" @money_cruncher on X 2025-07-20 02:21:21 UTC 139.3K followers, 24.8K engagements
"Now when you sell this rental you will face a depreciation recapture. Here are X strategies to lower the impact: pass away and give the rentals to your children 1031 exchange direct indexing to do tax loss harvesting installment sales opportunity zones" @money_cruncher on X 2025-07-18 13:10:19 UTC 139.3K followers, 28.6K engagements
"2. Charitable contributions floor Section 70425 of OBBBA also created a floor on the deductions of charitable contributions equal to XXX% of Adjusted Gross Income (AGI) starting in 2026 if you itemize. Your charitable deduction is only allowed if it exceeds XXX% of your AGI" @money_cruncher on X 2025-07-20 13:40:13 UTC 139.3K followers, 6149 engagements
"4. Bonus depreciation The tax bill revives XXX% bonus depreciation for property placed in service on or after Jan XX 2025. This is a great way for biz owners to save money on taxes especially when starting out and Section XXX isn't as effective due to income limitations" @money_cruncher on X 2025-07-16 13:17:38 UTC 139.3K followers, 9558 engagements
"Do you make less than $150000/yr Heres how the new tax bill will impact your taxes starting in 2025 (with examples):" @money_cruncher on X 2025-07-12 13:52:01 UTC 139.1K followers, 148.4K engagements
"If you have a business or a side gig pay attention. The new tax bill made a lot of changes to your taxes. Here's what it means for your wallet:" @money_cruncher on X 2025-07-16 13:17:33 UTC 139.3K followers, 253.5K engagements
"@LeadingReport This just means that the sales tax will increase" @money_cruncher on X 2025-07-04 16:56:57 UTC 139.3K followers, 140.3K engagements
"I inherited $500000 what should I do I would: X. Pay off any debt with interest of 7%+ X. Invest the rest in $VTI and $VGT What would you do" @money_cruncher on X 2025-06-28 00:35:07 UTC 139.3K followers, 84.6K engagements
"People in the $10M+ income range saw the smallest percentage point decrease from 2017 to 2018. Looking at the actual numbers total income tax for this group dropped slightly from $163B to $161B. Compare that to the $100K-$199K range where taxes dropped from $340B to $320B" @money_cruncher on X 2025-07-15 12:37:11 UTC 139.3K followers, 5652 engagements
"Tax move #2: John makes $1000000 of AGI per year. He is itemizing his deductions in 2025. John donates $10000 per year to charity. John is in the XX% tax bracket. If John donates $10000 in 2025 he can take the entire $10000 deduction (since he is itemizing). BUT" @money_cruncher on X 2025-07-20 13:40:13 UTC 139.3K followers, 5735 engagements
"I have a very exciting newsletter coming tomorrow at 8:30 AM ET. Its all about step-up basis rules reducing capital gains tax irrevocable trust swap powers basis planning and more. Guaranteed to save you money on taxes. Sign up here: 👇" @money_cruncher on X 2025-05-31 00:47:01 UTC 139.3K followers, 12.2K engagements
"The new tax bill makes major changes to the child tax credit dependent care credit XXX plans and more. If you have kids (or plan to) you need to read this:" @money_cruncher on X 2025-07-19 13:33:29 UTC 139.3K followers, 86.4K engagements
"I love Vanguard funds. Heres why: Vanguards average ETF expense ratio is just 0.05%. The industry average ETF expense ratio is 0.22%. These costs compound over the long term and could cost thousands of dollars" @money_cruncher on X 2025-07-03 13:19:40 UTC 139.3K followers, 27.8K engagements
"$200k - $499k: XXXX% drop to XXXX% (2.6pp) $500k - $999k: XXXX% drop to XXXX% (2.2pp) $1M - $1.49M: XXXX% drop to XX% (1.6pp) $1.5M - $1.99M: XXXX% drop to XXXX% (1.4pp) $2M - $4.99M: XXXX% drop to XXXX% (1.2pp) $5M - $9.99M: XXXX% drop to XXXX% (1pp) $10M+: XXXX% drop to XXXX% (.8pp)" @money_cruncher on X 2025-07-15 12:37:10 UTC 139.3K followers, 6644 engagements
"People say "Trump tax bills gave tax cuts only to billionaires" I analyzed IRS data from 152.9M tax returns and the new tax bill to find out if that's true. Here's what you must know:" @money_cruncher on X 2025-07-15 12:37:07 UTC 139.3K followers, 79.5K engagements
"Should I use Vanguard or Fidelity for my investments Both are good options. Vanguard - low cost funds better money market funds Fidelity - better support UI cash management You can use Fidelity and buy Vanguard funds. Or use Vanguard if you need a higher yield MMF" @money_cruncher on X 2025-06-29 13:31:04 UTC 139.3K followers, 49.4K engagements
"Tax move #1: John wants to donate $1000 to charity in 2025. He is in a XX% rate. He is taking the standard deduction in 2025 & 2026. John would be better off waiting until 1/1/2026 to donate which will save him $XXX on taxes that year vs $X saved in 2025" @money_cruncher on X 2025-07-20 13:40:12 UTC 139.3K followers, 6164 engagements