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

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

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

- X Week XXXXXXX -XX%
- X Month XXXXXXXXX +54%
- X Months XXXXXXXXXX -XX%
- X Year XXXXXXXXXX -XX%

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

- X Month XXX -XX%
- X Months XXX -XXXX%
- X Year XXXXX +43%

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

- X Week XXXXXXX +0.76%
- X Month XXXXXXX +4.30%
- X Months XXXXXXX +12%
- X Year XXXXXXX +61%

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

### Social Influence

**Social category influence**
[finance](/list/finance)  #3603 [stocks](/list/stocks)  XXX% [automotive brands](/list/automotive-brands)  XXX% [technology brands](/list/technology-brands)  XXXX%

**Social topic influence**
[if you](/topic/if-you) 15.94%, [money](/topic/money) #1216, [$vti](/topic/$vti) #2, [capital gains](/topic/capital-gains) #85, [debt](/topic/debt) #605, [$100k](/topic/$100k) #140, [$vgt](/topic/$vgt) #2, [compound](/topic/compound) #527, [tax bracket](/topic/tax-bracket) #106, [inflation](/topic/inflation) #1028

**Top accounts mentioned or mentioned by**
[@rafaelnegronx](/creator/undefined) [@t_monster](/creator/undefined) [@reniec7](/creator/undefined) [@richlassitermd](/creator/undefined) [@willydiba7](/creator/undefined) [@doranbets](/creator/undefined) [@taxguy1065](/creator/undefined) [@itsbankerben](/creator/undefined) [@victorcashflow](/creator/undefined) [@redimine](/creator/undefined) [@r_mi11er_](/creator/undefined) [@pablugablu](/creator/undefined) [@jr88030](/creator/undefined) [@andrewtweller](/creator/undefined) [@cashclarityfce](/creator/undefined) [@chillcatser](/creator/undefined) [@pdoherty972](/creator/undefined) [@redrover1941](/creator/undefined) [@itsmeshhhhhhh](/creator/undefined) [@gatorgoldx](/creator/undefined)

**Top assets mentioned**
[Costco Wholesale Corporation (COST)](/topic/costco) [SPDR S&P XXX ETF Trust (SPY)](/topic/$spy)
### Top Social Posts
Top posts by engagements in the last XX hours

"Thanksgiving reminder: Log into your 401k/403b and check the funds youre invested in. Check their expense ratios. If over XXX% see if your plan has Vanguard/Fidelity funds you can switch to. Expenses compound too"  
[X Link](https://x.com/money_cruncher/status/1994050448119259278)  2025-11-27T14:27Z 149.5K followers, 27.2K engagements


"I get triggered when I see screenshots like this There are millions of people holding $$$$ in a checking or savings account with XXXX% interest. This person is getting $18/yr of interest vs $7k in MMF with state tax benefits. Financial illiteracy is expensive"  
[X Link](https://x.com/money_cruncher/status/1996683962513752466)  2025-12-04T20:52Z 149.5K followers, 42.4K engagements


"Please stop buying funds like these. XXXX% expense ratio is straight up robbery. I dont buy any fund with XXX% expense ratio. Fees compound"  
[X Link](https://x.com/money_cruncher/status/1980261474258858474)  2025-10-20T13:15Z 149.5K followers, 21K engagements


"The IRS hasn't updated some tax items for inflation in DECADES: - $3k capital loss limit (1978). Its $15473 now. - $3k dependent care credit (1976). Its $17736 now. - $25k/$32k social security income tax bracket (1984). Its $78k/$100k now. All tax items should be inflation adjusted"  
[X Link](https://x.com/money_cruncher/status/1993793593958650199)  2025-11-26T21:26Z 149.5K followers, 454.8K engagements


"My taxable brokerage is invested in just X ETFs. $VTI (0.03% expense) and $VGT (0.09% expense) Simple and effective"  
[X Link](https://x.com/money_cruncher/status/1996075938724151704)  2025-12-03T04:36Z 149.5K followers, 26.4K engagements


"Harsh truth: Large portion of people who live paycheck to paycheck are simply bad with money. Most people can save $XX per day by being a little more careful with their money. Do you agree"  
[X Link](https://x.com/money_cruncher/status/1996781238359933306)  2025-12-05T03:18Z 149.5K followers, 38.1K engagements


"many finance bros say dont max out your 401k just get the match you cant early retire with 401k but thats wrong because you have: X. rule of XX (can pull at XX if you quit your job) X. 72t plan (can pull at any time w/ a plan) X. roth conversion ladder Max your 401k"  
[X Link](https://x.com/money_cruncher/status/1997393534903636286)  2025-12-06T19:51Z 149.5K followers, 64.2K engagements


"Interesting fact: The capital gains tax exemption ($250k/$500k) on the sale of your primary home hasn't been adjusted for inflation since 1997. It would be $500k/$1M today if adjusted. Congress should update it considering all the housing boom"  
[X Link](https://x.com/money_cruncher/status/1993859250938888480)  2025-11-27T01:47Z 149.5K followers, 47.2K engagements


"If you have a modest income you should harvest gains. Capital gains on stocks/ETFs can be taxed at X% if your gross income is less than $64100 (single) or $128200 (married) This means that you can sell then rebuy right away stocks/ETFs to increase your cost basis & pay less taxes in the future. (might be subject to state tax)"  
[X Link](https://x.com/money_cruncher/status/1994558995164725756)  2025-11-29T00:08Z 149.5K followers, 77K engagements


"I want to sell $100000 of stocks and gift cash to my child Dont do that. You will have to pay capital gains tax. Gift shares instead and let them sell. Your adult child might be in a X% capital gains tax bracket and pay $X in tax if they spread it out. Smart tax planning"  
[X Link](https://x.com/money_cruncher/status/1994845539670859791)  2025-11-29T19:06Z 149.5K followers, 31K engagements


"Rich people pay a substantial majority of the U.S taxes. The top X% of earners paid XX% of all federal income taxes. The top XX% paid XX% of national total. Rich people may have a lower effective tax rate due to incentives (e.g capital gains) but they pay a lot of $$$"  
[X Link](https://x.com/money_cruncher/status/1995723453979144432)  2025-12-02T05:15Z 149.5K followers, 22.9K engagements


""should I pull money from my 401k to pay off my cc debt" no. youll pay a XX% penalty + XX% in taxes so 1/3 of balance is just gone. and youll probably just get into debt again instead: cut useless things debt consolidate or balance transfer pay it aggressively"  
[X Link](https://x.com/money_cruncher/status/1997029637801824745)  2025-12-05T19:45Z 149.5K followers, 14.1K engagements


"$30k cc debt while making $200K+/yr or $10k/mo this is why high income good money management skills its about how much you keep not just earn"  
[X Link](https://x.com/money_cruncher/status/1997100337216552968)  2025-12-06T00:26Z 149.5K followers, 19.3K engagements


"I love Vanguards funds because of one simple reason: Vanguard's average ETF expense ratio is 0.05%. Industry average ETF expense ratio is 0.22%. Lower fees = more money in your pocket Its that simple"  
[X Link](https://x.com/money_cruncher/status/1997448173514785075)  2025-12-06T23:28Z 149.5K followers, 19.6K engagements


"Credit card debt is at $XXX TRILLION. But I don't think it's a big problem as everyone talks about and it wouldn't cause a recession. Credit card debt has consistently increased but so did the economy and consumer incomes over past 5-10 years. A better measure would be debt as a percentage of disposable income as it speaks directly about affordability. We can see that we are consistent with the levels we had since 2013s"  
[X Link](https://x.com/money_cruncher/status/1997895901373972671)  2025-12-08T05:07Z 149.5K followers, 13.7K engagements


"Just fyi: You can sell stocks/ETFs or index funds inside a Roth IRA and 401(k)s without incurring any taxes or penalties (trading fees may apply) This is helpful if you need to rebalance your portfolio within these accounts. Good to know"  
[X Link](https://x.com/money_cruncher/status/1998033606292443507)  2025-12-08T14:15Z 149.5K followers, 14.7K engagements


"I will become a millionaire by doing basic things: - max 401k. Put it in S&P XXX index fund. - max Roth IRA. Put it in $VGT - every X weeks put money in a taxable brokerage in $VTI and $VGT Simple and effective is best with personal finances"  
[X Link](https://x.com/money_cruncher/status/1983635277747994684)  2025-10-29T20:41Z 149.5K followers, 59.7K engagements


"This Vanguard S&P XXX fund in a 401k has a XXXXX% expense ratio. You cant buy an S&P XXX fund this cheap. There are some good 401k plans out there with extremely low fees"  
[X Link](https://x.com/money_cruncher/status/1986435086745743800)  2025-11-06T14:06Z 149.3K followers, 28.9K engagements


"My wife and I need to buy a car. Looking at a $30-35k budget. Was thinking Toyota Rav4 Hybrid slighly used. Any other good suggestions"  
[X Link](https://x.com/money_cruncher/status/1988433954861707525)  2025-11-12T02:29Z 149.5K followers, 195.8K engagements


"I put $XXX in a 401k Employer matched with another $XXX But yes please tell me how 401ks are scams and you cant pull out early 🤦"  
[X Link](https://x.com/money_cruncher/status/1993137398050623738)  2025-11-25T01:59Z 149.5K followers, 186.7K engagements


"Just shopped around for car insurance same policy limits: - Geico: $163/mo - Mercury: $224/mo - Farmers: $255/mo - Allstate: $295/mo Always get multiple quotes"  
[X Link](https://x.com/money_cruncher/status/1993546470176571895)  2025-11-26T05:04Z 149.5K followers, 73.5K engagements


"Vanguard is recommending 90/10 portfolio in your 20s. I think its way too conservative. This is why Im doing XXX% in stocks. No need for bonds"  
[X Link](https://x.com/money_cruncher/status/1994225829455224975)  2025-11-28T02:04Z 149.4K followers, 44.7K engagements


"Quick update on investing $5/day for XXX days. Value: $4478 Profit: $XXX This experiment shows that even small $5/day contributions will add up over time. Dont wait to invest. The longer you wait the less time you have to compound"  
[X Link](https://x.com/money_cruncher/status/1994481779521327555)  2025-11-28T19:01Z 149.4K followers, 20.3K engagements


"Average new car prices just hit a record high. $50000. That's almost $1000/mo with a X% interest rate over X years with taxes and fees. Please buy used and invest that difference instead"  
[X Link](https://x.com/money_cruncher/status/1994601587965395106)  2025-11-29T02:57Z 149.4K followers, 30.2K engagements


"credit score tip: one of the fastest ways to boost your credit score is by drastically lowering your credit utilization ratio it basically shows the amount of credit you use vs your limit request limit increase across all your credit cards to lower utilization"  
[X Link](https://x.com/money_cruncher/status/1994645872920203500)  2025-11-29T05:53Z 149.4K followers, 20.5K engagements


""I inherited $1M what should I do" I would: X. Set aside 6-12 months of emergency funds in a MMF X. Pay off any debt with interest of 7%+ X. Invest the rest in $VTI and $VGT What would you do"  
[X Link](https://x.com/money_cruncher/status/1994779105775292649)  2025-11-29T14:42Z 149.4K followers, 76.6K engagements


"Death and taxes are the only certain things in this world. Make sure you understand how taxes work: Tax gain harvesting tax loss harvesting real estate S corp gifting strategies capital gains planning deferrals Roth conversions etc I talk about these topics daily. Follow me @money_cruncher to learn from a CPA"  
[X Link](https://x.com/money_cruncher/status/1995256899047141584)  2025-11-30T22:21Z 149.3K followers, 19.4K engagements


"Everyone should follow this rule: If you can't pay for your vacation cash dont use your credit card. You cant afford it. If you can pay for it in cash use your credit card for the liability protection and points/cash back. Its that simple"  
[X Link](https://x.com/money_cruncher/status/1995285863379710003)  2025-12-01T00:16Z 149.3K followers, 23.8K engagements


"Just a reminder: Live like you will die tomorrow invest like you will live forever. Life hack"  
[X Link](https://x.com/money_cruncher/status/1995344058160742684)  2025-12-01T04:07Z 149.5K followers, 14.7K engagements


""Which brokerage should I use for my investments" X good options: Vanguard - low cost funds cheap MMF meh support/UI Fidelity - better support Ul cash management more expensive MMF Use Fidelity and buy Vanguards funds or use Vanguard if you need a higher MMF yield"  
[X Link](https://x.com/money_cruncher/status/1995492356183957682)  2025-12-01T13:57Z 149.4K followers, 17.9K engagements


"I believe most people under XX should be XXX% invested in equities. BUT you must analyze your reaction to the stock market performance. Did you panic when it dropped XX% in April What if it drops XX% Would you stick to your plan Most people just don't have the stomach to be all in on equities"  
[X Link](https://x.com/money_cruncher/status/1996219929734119617)  2025-12-03T14:08Z 149.5K followers, 15.9K engagements


"Quick tax planning tip: Some states (like Illinois) dont tax retirement withdrawals. So you contribute to a pre-tax 401k and get a X% tax savings. When you withdraw you pay 0%. In essence you save X% for every $ you put in. This is why 401ks are amazing to arbitrage on taxes"  
[X Link](https://x.com/money_cruncher/status/1995636450541666782)  2025-12-01T23:29Z 149.5K followers, 25.7K engagements


"Quick PSA with tax season coming up: Big refund is nothing to celebrate. Your goal should be to get the smallest refund possible or owe a little. That means you didnt overpay the government and give them a X% APR loan"  
[X Link](https://x.com/money_cruncher/status/1995931996980478433)  2025-12-02T19:04Z 149.5K followers, 15.1K engagements


""Should I pay off debt or invest" How I think about it: X. sign up for 401k up to the match regardless of debt X. pay off any debt 7%+ X. dont touch any loans with under X% X. 4-7% is tricky. Depends on liquidity risk tolerance and timeline. Go 50/50 if you can't decide"  
[X Link](https://x.com/money_cruncher/status/1998397365238259739)  2025-12-09T14:20Z 149.5K followers, 26.4K engagements


"🚨BREAKING: New proposed law could completely change how HSAs work. And nobody is talking about this. Here's what you need to know:"  
[X Link](https://x.com/money_cruncher/status/1994112410568012110)  2025-11-27T18:33Z 149.5K followers, 141.3K engagements


"Wealth hack if you shop at Costco: Get a Merrill Lynch account transfer $100k of ETFs in there. This will get you a Platinum Honors tier with BoA. Get a BoA Customized Rewards CC. Set it for online purchases which will give you X% * XXXX = XXXX% CB. Buy $2500/quarter (max rewards) of Costco Shop Cards. XXXX% + X% Costco Executive = XXXX% discount on every purchase. You're welcome"  
[X Link](https://x.com/money_cruncher/status/1994876016540750072)  2025-11-29T21:08Z 149.5K followers, 902.9K engagements


"This chart shows median income based on educational attainment. Generally people with degrees make more than people without. College isnt a scam but please dont get $100k of student loans for a literature degree"  
[X Link](https://x.com/money_cruncher/status/1995136389692936599)  2025-11-30T14:22Z 149.5K followers, 15.3K engagements


"I dislike posts like $2000 invested in Amazon in 2005 would be $135459 now It encourages people to find the winning companies now. But since 2000 XX% of companies in Fortune XXX have gone bankrupt or ceased to exist. And what are the chances you would have held that stock during 2008/2009 Dont chase the next Amazon Apple or Nvidia. Just buy ETFs and chill"  
[X Link](https://x.com/money_cruncher/status/1995966952721052023)  2025-12-02T21:22Z 149.5K followers, 50.7K engagements


"If you want to invest in the S&P XXX ETF DONT buy $SPY. Buy $VOO instead. They both track the S&P XXX but $SPY has a XXXX% expense ratio when $VOO has a 0.03%. XXXX% difference can cost you X% of portfolio value over XX years. That could be thousands of dollars"  
[X Link](https://x.com/money_cruncher/status/1996018644862861515)  2025-12-03T00:48Z 149.5K followers, 39K engagements


"Want to make more money Job hop. Job hoppers get an avg pay raise of XXX% vs XXX% for those who stay in the role. Your job is not your family. 2-3 years and move on. Thats how you do it"  
[X Link](https://x.com/money_cruncher/status/1996371195156103378)  2025-12-04T00:09Z 149.5K followers, 66K engagements


""I have $200K to deploy into the stock market. How can I do it" I personally would: increase your 401k/403b contribution to maximum allowed (75%) max out Roth IRA max HSA (if eligible) put the rest into your brokerage or Mega Backdoor Roth"  
[X Link](https://x.com/money_cruncher/status/1996584571702567062)  2025-12-04T14:17Z 149.5K followers, 26.2K engagements


"Saw someone get a car loan from SBNA with a XXXXX% APR. $35225 of estimated interest Probably is more than the car is even worth Dont do this"  
[X Link](https://x.com/money_cruncher/status/1996741877404782960)  2025-12-05T00:42Z 149.5K followers, 12.5K engagements


"my current investing setup: max out pre-tax 401k invested in the Vanguard S&P XXX (0.006% ER) max out Roth IRA invested in Vanguard IT ETF ($VGT) max out HSA invest the rest in a brokerage split between the US Market ETF ($VTI) and $VGT it performs well for me"  
[X Link](https://x.com/money_cruncher/status/1996942856850739467)  2025-12-05T14:00Z 149.5K followers, 50.2K engagements


"$100K in 2020 is the same as $125K in Sep 2025. This means that if you didnt receive a total raise of XX% over the last X years you got a pay cut. Job hop"  
[X Link](https://x.com/money_cruncher/status/1997149021828534568)  2025-12-06T03:40Z 149.5K followers, 61.8K engagements


""I want to invest but the market is all time high" Well how do you know it cant get higher The market will continue making all time highs in the long term. If you have a conservative risk profile then you can just DCA your cash over XX months"  
[X Link](https://x.com/money_cruncher/status/1997308578856902723)  2025-12-06T14:14Z 149.5K followers, 15.6K engagements


"Fidelity 401(k) hack: If your 401k with Fidelity and has bad investments check if you have access to BrokerageLink. It allows you to invest in a wider range of ETFs beyond the core options within your plan. It's a great way to lower fees if your plan allows"  
[X Link](https://x.com/money_cruncher/status/1997751298771632324)  2025-12-07T19:33Z 149.5K followers, 39.9K engagements


""Investing is complicated I don't know where to start Do this: X. Sign up for a 401k/403b. Contribute up to the match. Pick the S&P XXX fund. X. Open a Roth IRA. Fund directly or by Backdoor Roth. Choose something like $VTI. Adjust as you learn. Just get in the game"  
[X Link](https://x.com/money_cruncher/status/1997832040465723749)  2025-12-08T00:54Z 149.5K followers, 21.4K engagements


"Gambling is going to ruin your tax bill with the new tax bill. Gambling losses will now be only XX% deductible. Say you have $30k of winnings and $30k of losses net $X You will now have to pay taxes on $3k of winnings (assuming you itemize) even though you made no money"  
[X Link](https://x.com/money_cruncher/status/1998177110440227189)  2025-12-08T23:45Z 149.5K followers, 316.1K engagements