Did you know you’re probably overpaying the IRS by thousands? Discover 6 legal tax strategies the wealthy use + 1 bonus mindset shift that changes everything.

In this episode of Wealth Decisions by Brian, I’m breaking down six completely legal ways to dramatically reduce your tax burden and keep more of your hard-earned money. From Roth IRAs and real estate depreciation to HSA triple tax advantages and year-end tax loss harvesting, these strategies are written directly into the tax code—but most people never learn about them.

Whether you’re a high-earner frustrated by your tax bill or someone just starting to build wealth, these strategies will save you thousands of dollars every single year when implemented correctly.

In This Episode, You’ll Learn:

• How to leverage tax-free and tax-advantaged accounts like Roth IRAs to build seven-figure wealth without paying a penny in taxes on growth

• The real estate rental strategy that creates “paper losses” while putting cash in your pocket (depreciation explained simply)

• Why your HSA is actually the most powerful retirement account you’re probably underusing—triple tax advantage revealed

• The Qualified Charitable Distribution (QCD) strategy for retirees that satisfies RMDs without increasing taxable income

• Tax loss harvesting techniques to turn investment losses into tax savings before the December 31st deadline

• The critical asset location strategy that could add six figures to your portfolio over 30 years without changing your investments

• The bonus mindset shift: how to save more than you pay in taxes and why this changes everything

CHAPTERS:

0:00 - Hook: Are you overpaying the IRS?

0:30 - The problem with most tax planning

2:05 - Strategy #1: Tax-free and tax-advantaged investments

4:15 - Strategy #2: Real estate rental depreciation

6:45 - Strategy #3: HSA triple tax advantage

9:00 - Strategy #4: Qualified Charitable Distributions

10:45 - Strategy #5: Tax loss harvesting before year-end

12:30 - Strategy #6: Asset location optimization

14:00 - Bonus Strategy: Save more than you pay in taxes

15:30 - Your action plan to implement this week

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