Equity Compensation
Tax Year 2026
The actual 2026 federal tax on an RSU vest at eight income levels, why "marginal rate minus 22%" overstates the gap, the safe-harbor and withholding-timing rules that decide whether you owe a penalty, and the Form 8949 basis correction that stops the vest being taxed twice.
Investing
Stocks, options, futures, swept cash, and crypto in one login sit under three different legal regimes. What SIPC's $500,000 limit and $250,000 cash sub-limit actually cover, how excess-SIPC policies at Fidelity, Schwab, IBKR, and tastytrade compare, and why futures have no insurance fund at all.
Markets & Macro
Money creation, central bank rate swings, and the Cantillon effect explained as one household — plus what the analogy simplifies, and where six kinds of family member actually sit.
Markets & Macro
How the Fed's Jackson Hole rate-cut path moves 10-Year Treasury yields and MBS convexity, and the break-even math behind refinancing a $1.8 trillion mortgage cohort.
Equity Compensation
A case study of a $1.1 million paper stock grant that triggered a $264,000 AMT bill on shares that couldn't be sold, and the IRC §56(b)(3) mechanics and Form 8801 credit behind it.
Equity Compensation
A 500-case parameter sweep across incomes, spreads, states, and filing statuses, mapping where zero-AMT exercise capacity collapses and where the OBBBA phase-out band creates a 42% marginal penalty zone.
Behavioral Economics
Thaler's mental accounting, reference prices, and transaction utility applied to everyday spending: what the research supports, where the popular “durable purchases cause guilt” story overreaches, and cost-per-use break-even tables.
UK Tax Policy
How the Personal Allowance taper creates a 60% marginal rate: 2026-27 take-home tables, salary sacrifice versus relief at source, the Tax-Free Childcare cliff at £100,000, and the salary sacrifice change due in April 2029.
UK Tax Policy
At the same net cost, whether a SIPP beats an ISA depends on the tax relief going in and the tax paid coming out, not on the time horizon. 2026-27 rules, a break-even table by relief rate, the Lifetime ISA, and the changes due in 2027.
Business Tax Strategy
What a $157,250 first-year deduction on a heavy SUV is worth at 2026 federal rates (about $37,740 for a married couple with $400,000 of taxable income, not the $58,183 a flat 37% suggests), and how much comes back through business-use and sale recapture.
Agriculture & Commodities
Fertilizer costs, land rents, and machinery debt combine to set the corn and soybean price a 1,000-acre Midwest grain operation needs to break even in 2026.