Podcasts about IRS

Comic Bryan Miller joined the show to talk hecklers trying to get attention at comedy shows, growing up playing hockey on roller blades and why all your gin disappears when your boiler breaks during a cold snap. Plus, JESSI PIERCE on the Wild trade for Quinn Hughes, and a pet loving lawyer battling the IRS. See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

The West is sleeping. Yesterday in Sydney, 16 people were slaughtered at a Hanukkah celebration in the "gun-free utopia" of Australia. The shooters used long guns despite the ban. The victims were defenseless because the government stripped them of their right to carry. Austin breaks down the "Liberal Suicide Pact": Why the Left insists on importing people who hate Western Civilization, and then disarming the citizens who would fight back. Also on the show: Kurt Schlichter (@KurtSchlichter) joins us to hammer the point home. If this happened in Texas, the body count wouldn't be 16. It would be zero. He explains why a well-armed citizenry is the only answer to terror. Jon Miltimore (@miltimore79) exposes the "Bipartisan Stupidity" in Washington. Josh Hawley and Bernie Sanders have united to cap credit card interest rates (which will destroy the poor), and the IRS just admitted the "No Tax on Tips" law is a compliance nightmare. Steve Gruber (@stevegruber) breaks down Rand Paul's revolutionary new healthcare plan. Imagine buying health insurance from Costco or Amazon with the same bulk discount you get on toilet paper. Chapters: Intro Bondi Beach Massacre: The Liberal Suicide Pact Steve Gruber: The Costco Health Plan Solution Jon Miltimore: The Credit Card Cap Disaster Kurt Schlichter: Why Gun Control Aids Terrorists Join the movement: Website: http://4LibertyNetwork.com Support the Show: http://4LibertyShop.com Follow the Host: X: @AP4Liberty Instagram: @AP4Liberty #WakeUpAmericaShow #BondiBeach #Terrorism #GunControl #KurtSchlichter #RandPaul #SteveGruber #Economics #Costco #JonMiltimore

Send us feedback/questions via TextOn this episode, I was joined as always by Jim Collison, and we had the pleasure of welcoming Ralph Estep from AskRalph.com—the Content Creators' Accountant—to dive into recent changes in how the IRS handles tips for content creators. Ralph walked us through the new law allowing up to $25,000 in tip income (like Super Chats, Buy Me a Coffee, etc.) to be excluded from income taxes in 2025, provided you track it properly. We talked about the importance of keeping tip income separate from memberships or other payments where the customer receives something tangible or access in exchange.We also took questions and comments from our live chat about accounting software, prepping for taxes, and even how certain types of Patreon support could possibly qualify as tax-free tip income under this new law (with a big emphasis on always consulting your own accountant!). Whether you're using Super Chats, Patreon, or other support methods, this tax year might look a little different.Sponsors:PodcastBranding.co - They see you before they hear youBasedonastruestorypodcast.com - Comparing Hollywood with History?Video Version (unedited)Mentioned In This EpisodeSchool of Podcastinghttps://www.schoolofpodcasting.com/joinPodpagehttp://www.trypodpage.comHome Gadget Geekshttps://www.homegadgetgeeks.comContent Creator's Accountanthttps://www.contentcreatorsaccountant.com/Podcaster Hall of Famehttps://www.podcasthof.comFeatured Supporters: Jill and Alison from the Keep the Flame Alive Podcast.The podcast for fans of the Olympics and Paralympics at flamealivepod.com Podcast Hot Seat Black Friday DealNot happy with your downloads? Get some honest, constructive, feedback to get your show going in the right direction AND get a free month at the School of Podcasting (now through the end of the year). Take advantage of this black friday deal and get your podcast going in the right direction. Go to podcasthotseat.com Leave Your QuestionGo to askthepodcastcoach.com/voicemail and leave your message to be answered on the next show.Featured Supporter: Keep the Flame AliveDo you love the Olympics? Then you will love the Keep the Flame Alive PodcastDisclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the showBE AWESOME!Thanks for listening to the show. Help the show continue to exist and get a shout-out on the show by becoming an awesome supporter by going to askthepodcastcoach.com/awesome

The IRS decided to audit Grandpa.

A woman has sued the IRS, asking a court to allow her to claim her dog as a dependent. https://www.lehtoslaw.com

Become a Client: https://nomadcapitalist.com/apply/ Get our free Weekly Rundown newsletter and be the first to hear about breaking news and offers: https://nomadcapitalist.com/email Join us for the next Nomad Capitalist Live event: https://nomadcapitalist.com/live/ Thinking about moving to Puerto Rico for Act 60? Mr Henderson explains why Act 60 is becoming riskier, why the IRS is tightening enforcement, and why Puerto Rico may not be the long-term solution Americans hope it is. There are better global options for lowering taxes, improving your lifestyle, and protecting your freedom, without relying on a fragile loophole! Nomad Capitalist helps clients "go where you're treated best." We are the world's most sought-after firm for offshore tax planning, dual citizenship, international diversification, and asset protection. We use legal and ethical strategies and work exclusively with seven- and eight-figure entrepreneurs and investors. We create and execute holistic, multi-jurisdictional Plans that help clients keep more of their wealth, increase their personal freedom, and protect their families and wealth against threats in their home country. No other firm offers clients access to more potential options to relocate to, bank in, or become a citizen of. Because we do not focus only on one or a handful of countries, we can offer unbiased advice where others can't. Become Our Client: https://nomadcapitalist.com/apply/ Our Website: http://www.nomadcapitalist.com/ About Our Company: https://nomadcapitalist.com/about/ Buy Mr. Henderson's Book: https://nomadcapitalist.com/book/ Disclaimer: Neither Nomad Capitalist LTD nor its affiliates are licensed legal, financial, or tax advisors. All content published on YouTube and other platforms is intended solely for general informational and educational purposes and should not be construed as legal, tax, or financial advice. Nomad Capitalist does not offer or sell legal, financial, or tax advisory services.

America is not a free country, it's a Jewish colony! Tonight Stew exposes Speaker Mike Johnson for kissing the ring of tunnel-digging Chabad rabbis.   They murdered Charlie Kirk the second he turned against endless wars and the Zionist agenda that he once shilled. Makia Freeman joins Stew to discuss the clown show. Hurricane Helene was deliberately steered over America's biggest lithium deposit so BlackRock could seize it after drowning our people. Rep. Monty Fritts exposes the treasonous weather warfare and vows to crush the globalist beasts running Tennessee. Your phone just got hijacked by the same Jews who hijacked our government. We've got the receipts, the numbers, and the proof that Mossad and the CIA are one and the same.

Subscribe to Bits + Bips: https://bitsandbips.beehiiv.com/subscribe On this bundled episode of Bits + Bips, Unchained executive editor Steve Ehrlich digs into the less obvious risks shaping crypto returns, from DeFi yield to tax reporting. First, Sebastien Derivaux, co-founder of Steakhouse Financial, explains why chasing high yield can be dangerous, how institutional risk curation works onchain, and why the future of stablecoins won't be limited to the US dollar. Then, Shehan Chandrasekera, CPA and Head of Tax Strategy at CoinTracker, breaks down what crypto investors need to know heading into 2026, including tax loss harvesting, the wash sale gray zone, hidden tax obligations in crypto ETFs, and why the new 1099-DA form won't tell the full story. Host: Steve Ehrlich, Executive Editor at Unchained Guests: Shehan Chandrasekera, CPA, Head of Tax Strategy at CoinTracker Sebastien Derivaux, Co-Founder & Partner at Steakhouse Financial Timestamps:

Broadcast from KSQD, Santa Cruz on 12-11-2025: Dr. Dawn presents colleague Dr. Paul Godin's essay on why US healthcare fails as a market system . She explains that healthcare violates every assumption of functional markets: patients can't compare options during emergencies, information asymmetry prevents informed decisions, demand is inelastic when one has an urgent medical issue, and trust is essential to medicine and in direct conflict with profit incentives. Since 1988's Knox-Keen Act allowed for-profit healthcare, private equity has acquired and stripped hospitals, while administrative costs consume enormous resources fighting over payments rather than providing care. She contrasts this with European models like Switzerland and Germany where everyone must participate, insurers must accept all patients, and profit on basic coverage is limited. She celebrates a vaccination success story: HPV vaccines have reduced cervical cancer by 50% over 30 years. The American Cancer Society now endorses self-collected vaginal samples for HPV screening, with an FDA-approved at-home kit from Teal Health allowing women to skip speculums and traditional Pap smears. Current guidelines recommend screening starting at age 25, with testing every five years after a negative result. Dr. Dawn issues a health alert about multiple hospitalizations in Santa Cruz County from foraged wild mushrooms identified incorrectly by phone apps. She describes cholinergic toxicity symptoms: sweating, excessive salivation, pinpoint pupils, and abdominal cramping—signs requiring immediate emergency care rather than waiting it out. She offers follow-up vaccine advice: "go in wet, then sweat." Hydrate before vaccination, then take a hot Epsom salt bath until sweat runs off your face. This helps eliminate adjuvants that cause post-vaccine fatigue and aches, which are often misinterpreted as catching illness from the vaccine itself. Dr. Dawn expresses alarm that Kennedy's reconstituted ACIP nearly voted to eliminate hepatitis B vaccination at birth. She notes infants exposed to infected mothers have 99% infection rates, with half becoming chronically infected and half of those developing terminal cirrhosis or cancer. Testing pregnant women misses infections acquired during pregnancy, and 12-16% of delivering women have no test records. Major insurers have committed to covering birth vaccination through 2026 despite the panel's actions. She offers holiday microbiome advice from researcher Karen Corbin: increase fiber intake through steel-cut oats, whole grain breads like Dave's Killer Bread, beans, apples, and alternative pastas made from lentils or garbanzo beans. Cooking potatoes ahead and reheating creates resistant starch that feeds beneficial gut bacteria, reduces inflammation, and even stimulates natural GLP-1 production. Dr. Dawn reviews research proving health insurance saves lives. When the ACA's Medicaid expansion became optional by state, researchers could compare outcomes, finding 8% lower mortality and 19,000 fewer deaths in expansion states over four years. An accidental IRS experiment—sending insurance enrollment letters to only 85% of penalty payers—showed significantly lower mortality among those who subsequently got insured. Studies of gunshot and auto accident victims found uninsured patients died more often despite receiving identical emergency treatment. She concludes with surprising cancer symptoms: chest pain specifically triggered by alcohol consumption may indicate Hodgkin's lymphoma, as vasodilation activates inflammatory chemicals in affected lymph nodes. Fractures from minimal trauma in people without osteoporosis warrant investigation, as 5% of cancers involve bone. Elevated calcium levels double cancer diagnosis risk in the following year and should prompt follow-up testing.

A quick breakdown of year-end tax strategies for farmers—when to defer revenue, when to accelerate it, and how to avoid IRS red flags. Learn more about your ad choices. Visit podcastchoices.com/adchoices

Trying to decrease your monthly disposable income to the IRS? Will your retirement fund help you out? Here's that answer! Do you have tax debt? Call us at 866-8000-TAX or fill out the form at https://choicetaxrelief.com/If you want to see more…-YouTube:    / @loganallec  -Instagram: @ChoiceTaxRelief @LoganAllec -TikTok: @loganallec-Facebook: Choice Tax Relief // Logan Allec, CPA -Reddit:   / taxrelief  Mentioned Video Link:-Offer in Compromise Playlist:    • TOP ALL-TIME OFFER IN COMPROMISE VIDEOS 

America just committed an act of war against Venezuela by commandeering its largest oil tanker like a band of 18th century pirates. Dr. Michael Rectenwald, founder of Anti-Zionist AZAPAC, joins Stew to expose how Trump's Jewish handlers are dragging us into WW3 while Trump brags like the good little Shabbos-goy he is.   Venezuela, Oil Tanker Raid, Trump, Piracy, International Waters, ZOG, Jewish Influence, Israel, BRICS, Iran, Hezbollah, BlackRock, Rothschild, Ronald Lauder, World Jewish Congress, AIPAC, AZAPAC, Dr Michael Rectenwald

The IRS has officially announced the 2026 retirement contribution limits with the 401(k) cap rising to $24,500, but the big news is the "Super Catch-Up" provision from the Secure 2.0 Act.Today's Stocks & Topics: Nomura Energy Transition ETF (PWER), Market Wrap, “The "Super Catch-Up": New 2026 401(k) Limits”, Warner Bros. Discovery, Inc. (WBD), Vera Therapeutics, Inc. (VERA), How to Short a Stock, Vanguard Mid-Cap Index Fund ETF Shares (VO), Vanguard Small-Cap Value Index Fund ETF Shares (VBR), The Domestic Oil Industry, Svenska Handelsbanken AB (publ) (SVNLY), GE Vernova Inc. (GEV), Investing vs. Gambling..Our Sponsors:* Check out Incogni: https://incogni.com/investtalk* Check out Invest529: https://www.invest529.com* Check out NordProtect: https://nordprotect.com/investalk* Check out Progressive: https://www.progressive.com* Check out Quince: https://quince.com/INVEST* Check out TruDiagnostic and use my code INVEST for a great deal: https://www.trudiagnostic.comAdvertising Inquiries: https://redcircle.com/brands

The best way to deal with an IRS audit.

It's Friday, December 12th, A.D. 2025. This is The Worldview in 5 Minutes heard on 140 radio stations and at www.TheWorldview.com.  I'm Adam McManus. (Adam@TheWorldview.com) By Adam McManus Canadian pastor released from prison with gag order Canadian Pastor Derek Reimer has been released from prison in Calgary, Alberta on strict conditions as he is still serving his one-year house arrest and two-year probation for objecting to a Drag Queen Story Hour for little kids in a 90-second, peaceful conversation with Saddletowne Library Manager Shannon Slater. Reimer is not allowed to use any form of social media. Plus, leftist government officials have actually restricted him from attending the Street Church in Calgary and The Remnant Church in Red Deer because his parole officer is scared he will “rally up the mob.” Pastor Artur Pawlawski of Street Church told The Worldview, “Pastor Reimer has been totally muzzled by the Canadian courts. He has been prohibited from talking with anyone including his family, his friends, churchgoers, or reporters. It's a total, Soviet-style gag order. If he talked to anyone about what is happening he will go straight back to prison.” Pawlawski knows first-hand about these kind of oppressive government tactics. He said, “I grew up behind the Iron Curtain. Communists muzzled the public.  If you dared to expose them by telling the truth, they would do a show trial, imprison you, and torture you. “ Not surprisingly, the Canadian judge insisted that any Biblical objection to the sinful lifestyle of transgenders and homosexuals on the part of Pastor Reimer would qualify as “hate speech.” Calgary Pastor Shawn Hamm said, “The courts in Alberta are corrupt and they have been turned into a political circus! The judicial system can use ‘hurt feelings' in the province of Alberta to try to silence Christians on our biblical beliefs. They are doing their best to silence Pastor Derek, but they cannot silence all of us!” Hamm added, “The Drag Queen Story Hour that is happening all across Canada must be exposed for what it is -- pervert grooming sessions that are happening in public spaces!” Learn more and help with Pastor Reimer's legal defense at www.SavePastorDerek.com. Jeffress: “None of the government's business” what pastors preach On Wednesday, Pastor Robert Jeffress of First Baptist Dallas had a message for  a White House religious liberty panel. JEFFRESS: “What I preach from the pulpit of the First Baptist Church of Dallas, or any pastor preaches from his church is none of the government's business.” (clapping) In testimony before the U.S. Department of Justice's Religious Liberty Commission, Jeffress shared their experience with the Internal Revenue Service during a controversial church tax inquiry in 2021 under former President Joe Biden. Jeffress' statement to the Commission included comments he initially shared with his congregation on Sunday, in which he recounted how the atheist legal organization Freedom From Religion Foundation filed a complaint with the IRS after former Vice President Mike Pence and then-HUD Secretary Dr. Ben Carson shared their faith testimonies of “how they came to know Jesus as Savior” at Jeffress' church in June 2020.  Jeffress said, “It's interesting that we did not hear anything from the IRS for 11 months. Then, four months after Joe Biden became president, on May 6, 2021, the IRS informed our church that they were initiating an inquiry into the tax-exempt status of our church because of our patriotic service.” He added that he does not endorse candidates from the pulpit, but “we encourage Christians to vote their biblical conviction.” Ironically, on November 1, 2020, the same day he addressed his church about the presidential race, President Biden was speaking at the Sharon Baptist Church in Philadelphia, where the former president and the church's pastor “openly encouraged members to vote for Biden while both men were standing in front of a campaign banner in the church.” Jeffress noted, “When we pointed out the contrast to the IRS between our non-endorsement policy and this church's flagrant disregard for the Johnson Amendment, the IRS officials conducting the examination had no response.” While the inquiry lasted more than a year, the IRS eventually acknowledged in July 2022 that First Baptist Dallas “did not engage in any improper political intervention or violate the U.S. tax code.”  Despite the favorable outcome, Jeffress said he wanted to testify before the Commission because while First Baptist Dallas could afford the legal fees, most churches could not — nor, he said, should they have to do so. Elon Musk affirms belief in Creator On The Katie Miller Podcast, billionaire Elon Musk revealed that he looks up to the Creator at the 12:37-mark of a nearly hour-long conversation, reports The Christian Post. MILLER: “Who do you look up to the most?” MUSK: “The Creator.” MILLER: “What's your current position on God?” MUSK: “God is the Creator.” MILLER: “You don't believe in God, though, do you?” MUSK: “Well, I believe those this universe came for something. People have different labels.” The comments from the Tesla and SpaceX founder are the latest in his publicly evolving views on God and faith. In response to a tweet from a user on X urging him to confess a Creator in May 2022, Musk wrote: "Thank you for the blessing, but I'm OK with going to hell, if that is indeed my destination, since the vast majority of all humans ever born will be there." Describing the reality of hell, Jesus said to those on His left, 'Depart from Me, you cursed, into the eternal fire prepared for the devil and his angels.'"  (Matthew 25:41) Subsequently, in 2025, Musk urged his millions of X followers to go to church following the assassination of Charlie Kirk on September 10th.  He also attended Kirk's memorial in Glendale, Arizona on September 21st. 17 pro-lifers arrested for blocking Memphis Planned Parenthood abortion mill And finally, ten men and seven women spent a night in a Memphis jail on December 5th, after staging a peaceful protest in front of the Memphis, Tennessee Planned Parenthood abortion mill, reports LifeSiteNews.com. The protest was organized by “Rescue Resurrection,” a pro-life group planning “rescue” actions across the country. Those arrested included well-known figures in the pro-life movement: Randall Terry, founder of Operation Rescue; Joan Andrews Bell, a longtime pro-life advocate; Terrisa Bukovinac, director of Progressive Anti-Abortion Uprising; Nathan Berning, director of Let Them Live; and Dr. Monica Miller of Citizens for Life, among others. Exhausted from spending a sleepless night in an over-crowded holding cell with no beds, Randall Terry said that “this is a very small price to pay to stand up for the babies.” Video footage of the arrests captured by journalist Ford Fischer shows Terry, Bell, and other pro-life protesters being dragged away by police, because they went limp, before being transported to jail.  And there is video of Joan Andrews Bell, a sernior citizen, being carried away by three Memphis Police Officers. Bell was pardoned by President Trump after being sentenced to two years in prison for a prior abortion clinic blockade for which she was prosecuted under President Biden. No doubt they were inspired by Proverbs 24:11 which says, “Rescue those being led away to death;  hold back those staggering toward slaughter.” Close And that's The Worldview on this Friday, December 12th, in the year of our Lord 2025. Follow us on X or subscribe for free by Spotify, Amazon Music, or by iTunes or email to our unique Christian newscast at www.TheWorldview.com.  I'm Adam McManus (Adam@TheWorldview.com). Seize the day for Jesus Christ.

We break down a costly estate planning mistake that can cost you six-figures with the IRS! A simple change in timing preserves the step-up in basis. A real client story and a simple change that can preserve your gift.• The risk of gifting appreciated real estate• What's the step-up in basis?• Probate, good or bad?• Simplify gifting• When and how to consult attorneys and advisors• Practical steps for rentals, equities, and businesses

In this episode, we explore some of the most important tax updates and strategies that business owners should have on their radar. Topics include: A game-changing update that makes a popular capital gains deferral tool available for the long term A new IRS process that could save compliant taxpayers time and frustration when dealing with penalties A significant tax credit for businesses that invest in employee childcare and support services How the IRS is finally adding clarity to error notices, and why it matters for your bottom line What's coming soon to simplify cryptocurrency tax reporting for both individuals and businesses Key year-end tax strategies you may still have time to take advantage of A major change in Delaware's approach to depreciation, and how it could impact planning New deductions tied to everyday financial choices, like vehicle loans and charitable giving Expanded options for using 529 Plans that go well beyond traditional college tuition

In this engaging conversation, the hosts delve into the current state of the NFL, particularly focusing on the challenges of finding capable quarterbacks as aging players like Philip Rivers consider comebacks. They discuss the thin talent pool in the league and the implications of experience versus youth in football. The conversation then shifts to the controversial topic of OnlyFans and the IRS's involvement in regulating and taxing content creators. Finally, the hosts share fun facts about crows and the history of Cleopatra, along with insights into the psychology of holiday music and the impact of filmmakers like James Cameron.

Avoiding simple mistakes with the IC-DISC can mean the difference between maximizing tax benefits and leaving money on the table. In this episode of The IC-DISC Show, I sit down with Brian Schwam, National Managing Director of International Tax Services at WTP Advisors, to talk about the most common IC-DISC misconceptions that trip up practitioners and the underutilized opportunities many businesses are missing. Brian walks through the critical timing rules that confuse even experienced CPAs, including the 60-day and 90-day payment requirements that many practitioners misapply. He explains how the reasonable estimate safe harbor actually works and why paying the minimum amount can accidentally cap your commission at twice that figure. We cover the ordering rules for distributions, the often-misunderstood $10 million threshold, and why the transactional calculation method isn't nearly as impossible as people think. Brian also clarifies that IC-DISC dividends are subject to the net investment income tax, despite what some practitioners might believe. The conversation shifts to creative structures most companies never consider. Brian explains how multiple DISCs can fund executive bonuses at qualified dividend rates instead of ordinary income rates, saving both employment taxes and up to 17% in federal tax for recipients. He describes evergreen dividend resolutions that eliminate the stress of year-end cash movements and shared-DISC structures that make the strategy economical for smaller exporters with under $3 million in sales. These approaches work for both flow-through entities and C corporations looking to avoid double taxation. After more than three decades in international tax, Brian brings clarity to a strategy that looks deceptively simple on paper but contains hidden complexity at every turn. This episode delivers practical guidance you can use immediately, whether you're a practitioner helping clients or a business owner evaluating your own structure.   SHOW HIGHLIGHTS Paying the minimum 50% under the 60-day rule accidentally caps your total IC-DISC commission at twice that amount, limiting flexibility. Companies with export sales over $10 million can still use an IC-DISC—the cap only limits income deferral, not eligibility. Multiple DISCs can fund executive bonuses at qualified dividend rates, saving up to 17% in federal tax versus ordinary income. The transactional calculation method isn't impossible—most companies in 2025 can pull the data needed to maximize their IC-DISC benefit. Evergreen dividend resolutions eliminate 60-day and 90-day payment stress by automatically distributing commission rights on December 31st each year. Shared DISC structures let exporters with under $3 million in sales split compliance costs while each partner keeps their full tax benefit.   Contact Details LinkedIn - Brian Schwam (https://www.linkedin.com/in/brian-schwam-b6026a3/) LINKSShow Notes Be a Guest About IC-DISC Alliance Brian SchwamAbout Brian TRANSCRIPT (AI transcript provided as supporting material and may contain errors) Dave: Hi Brian Welcome to the podcast. Brian: Hi Dave. Thanks for having me. Excited to be here. Dave: Yeah, my pleasure. So quick intro, Brian is, what's your title with WTP? Brian: National Director of National Managing Director of International Tax Services, which encompasses export incentives as well as more general international tax consulting. Okay, Dave: And that's at WTP advisors? Brian: Correct. Dave: And you and WTP advisors are founding members of the IC-DISC Alliance along with my firm and myself. Brian: That is correct. Dave: And so are you brand new to this international tax business? Did you pick it up last year or something? Brian: That's funny. I don't think I look like I picked it up last year. I've been been full-time international tax since 1992IC, and prior to that I spent a few years as a generalist, which I think makes me a better international tax person, but it's been a few years, been around the block a few times. Dave: Well, I think it makes you better. I always introduce you as the IC-DISC guru. Now that Neil Block has retired, I think you can now take over the mantle of godfather of the IC-DISC, Brian: Right? Or the step godfather. I don't know if anyone can ever replace Neil. He had a lot of knowledge, has a lot of knowledge in this area and a lot of experience, and I'm just kind of flattered to be compared to him. Dave: Well, Neil was, I think my inaugural or second guest, and I think he's only been on the podcast once. So I think you're trumping Neil with this either your second or third visit. Brian: I think it's the third visit. And Neil's retired and joined the Good Life and I'm not, so that's probably why I've beaten them as far as number of appearances. Dave: There you go. Well, today I want to talk about IC-DISC. I want to talk about misconceptions and maybe underutilized opportunities. So the IC-DISC is straightforward as can be cut and dried. Anybody can prepare the return, anybody can do the calculation. Easy peasy. There's nothing to your toe on. Is that accurate? Brian: That's far from accurate. Okay. Strength. Yeah. A lot of practitioners think that is the case, but I've seen more than a handful of IC-DISC returns and IC-DISC calculations done by generalists that definitely have a flare for not knowing what they're doing or not understanding the rules. And for a six page tax return that looks very straightforward. You'd be surprised how many of them are completely incorrect. Dave: Yeah, it's kind of deceiving, right? Because even the instructions for the return are only a handful of pages, right? Like six or eight pages. Brian: And then there's a couple of lists of codes and things that make 'em a little longer. But yeah, there's not much to it. But I mean, initially there are some statutory and regulatory things that have to be done, have to be done the correct way, and the rules are very draconian. If you don't do it the correct way, there's really no way to remedy the fact that you set up, you just deal with the consequences of having a disqualified IC-DISC, which means you've lost your IC-DISC benefits prospectively and you set up a new one or you forego the benefits No in between, really? Dave: Yeah. Brian: So some of these misconceptions that I've run into could lead to a IC-DISC being disqualified. Dave: So what's the first one that comes to mind? Brian: The first one that comes to mind really for me in practice is how does the 60 day rule and the 90 day rule work, this has to do with when do I have to move money to the IC-DISC? And some people don't understand it and they do things that make it not a problem. Other people do things, they don't understand it and it becomes a problem. So the 60 day rule basically says you must fund a reasonable estimate of the IC-DISC commission to the IC-DISC within 60 days after the end of the IC-DISCs year. It sounds very straightforward, but some people ignore that rule and some think they have to pay it all before the end of the year, but they don't have a 60 day window after the end of the year to accrue that IC-DISC commission and pay a portion of it. The other thing I see people do with the 60 day rules, they don't have all the information. They estimate a number. They say, oh, let's say the commission's going to be a thousand dollars and they pay $500 to the IC-DISC by the end of the 60th day. Well, what have they just done? Well, the 60 day rule says, yeah, you have to pay a reasonable estimate in the regulation. There's a safe harbor that says a reasonable estimate is at least 50% of the final IC-DISC commission. So by moving the least amount of money possible, they then limit their potential IC-DISC commission to two times that number. So rather than saying, oh, I think my IC-DISC commission's going to be a thousand and I'll pay 800 so that I have flexibility to go up to 1,600, they pay 500 and it can never be more than a thousand because there's a lot of information that's going to come out after the end of the year that's going to affect taxable income. And they generally don't know those things within the first 60 days after year. Dave: And what about for, I think this is for accrual basis taxpayers or accrual basis related suppliers. What about if it's a cash basis related supplier? Brian: Well, if it's a cash basis related supplier, now we're outside the DIS rules, but we're in the tax accounting. And in order to get a deduction, the payment does need to be made before the end of the year. If the payment is made after the end of the year, within that 60 day window, you've now pushed the deduction to the subsequent year, which really most people wouldn't be happy with. They want the production in the year that the exports arise, not in the subsequent year. So the other rule having to do with the moving of the cash is the 90 day rule, which says that you have to pay the IC-DISC any remaining commission within 90 days after the commission has been finalized. Well, finalized really means when did I file my IC-DISC return? And so it's an original return. It can be filed as late as eight and a half months after the end of the year. So you really have 11 and a half months from the end of the year to pay the remaining amount. So if we assume calendar year, that's a September 15th filing and a December 15th funding deadline for the remaining commission. I see a lot of practitioners out there that think the 90 days ends on the filing of the IC-DISC return, not starts on the filing of the IC-DISC return. So then they rush to pay that money and then they think they have a problem if they haven't paid it by the time they file. So I mean, there's no harm in paying it early, but that's not how the rule works. And then if someone's determining and amending a IC-DISC return and they owe more funds to the IC-DISC, they have 90 days. So when they file that IC-DISC return, amended IC-DISC return to make that extra payment to the, now, the other misconception is, well, what happens if my 60 day payment was greater than the final commission? I overestimated. So then the 90 day rule says if the IC-DISC received too much under the 60 day rule, it has 90 days that same 90 day window to pay back the overage back to the related supporter. So most people don't understand those rules and they do things that either potentially cause a problem or they create a lot of self-induced anxiety. They think they have to do something sooner than they have to do it. Dave: And speaking of the due date, if somebody wants to file their IC-DISC return in September, do they have to file an extension like to do their corporate return by March 15th? Brian: Nope. That is no, eight and a half months is the due date. There's no extension for a IC-DISC return. That is just the due date. Dave: And then what about if somebody wants to electronically file the IC-DISC return? How does that work? It doesn't. Okay. Brian: And why is that? Dave: Can't you electronically file Brian: Everything? Unfortunately not the IC-DISC, the 1120 IC IC-DISC is still a return that requires a paper filing. And sometimes clients don't realize that and they forget to file. And the good news is there's only a hundred dollars penalty for a late filing. But the bad news is if you keep continually don't file the IRS could. They could terminate your IC-DISC election. But yeah, there's no electronic filing. And then there's, there's another form. You also can't electronically file that relates to the IC-DISC, that it's the form 84 0 4, which relates to an interest charge that a taxpayer who owns a IC-DISC may have to pay if income is deferred to the IC-DISC and not distributed out as a qualified dividend to that shareholder. There's a lot of misconception around that form. And the first misconception is sometimes they think the IC-DISC needs to file that form and pay the interest. That is not true. That is not true. And so many times I'm asked to file that and I'm like, I can't file it. I can't prepare it. I don't know the information that goes on. And it's based on the shareholder or the disk. And if the shareholder is S corporation or a partnership, it's not based on that entity, it's based on its shareholders or partners. And there could be multiple 84 oh fours filed. And then oftentimes there's a surprise like, oh, I have to pay interest. I didn't know I had to pay interest. Well, it is called an IC IC-DISC, and the IC stands for interest charge. So that should not come as a surprise, but it often does. Dave: Okay. Wow, Brian: Go ahead. Yeah, so we're still on moving cash around. So there's also timing of when the shareholder of a picks up dividend income. So a lot of people think that if they pay the IC-DISC within that 60 day window after the end of the year and pay the dividend in the same 60 day window, somehow the dividend is recorded as though it happened on December 31st, and there's no deferral of the income in the IC-DISC. That's just flat out wrong. A dividend is taxable when it's declared, and most likely it's not going to be declared as of the end of the year. Dave: So that's like a miss application of the age old matching principle in accounting? Brian: Yes. Yes, definitely. Or a misapplication of someone thinking they have a evergreen dividend resolution, which I won't get into at the moment, but it's something that is used to accelerate dividends so that they do match the deduction of a IC-DISC. And you can't just match it because you have to match it because there's some reason to match it or there's action that's taken that would cause it to be matched. Dave: And I've heard some professionals maintain that because they're basically accelerating the dividend income to the current year, thereby bypassing the inherent deferral. That's okay, because why did the IRS care if they got paid a year early? Do you think that's, what's your opinion of that? Brian: I think that's a nice practical approach to that issue. I use it myself. I don't think that the IRS would audit a taxpayer and say, oh, by the way, you picked up that dividend too early. I'm going to write you a refund check. Dave: Yeah. Brian: Plus interest, I don't think, Dave: Now what if there was an audit though, and you had an issue where the audit period it covered had a mismatch so that if there was a year that you say it was the 2022 tax year and the dividend income should have been recognized in 2023, but they recognized it in 2022, and then let's just say they did an audit from of 2023 in isolation, and then let's say in 2023, the client didn't use the IC-DISC or had a much smaller commission amount, could the IRS potentially say, we don't care about 2022. In 2023, you should have recognized the dividend income. Brian: They they certainly could. And then they'd say, well, 2022 is closed. We can't adjust that. So it's always better to not fall into that fact pattern, but it happens. Definitely happens. Dave: So it Brian: Sounds like the good news is there's not a lot of IC-DISC audits that go, Dave: Yeah. So you're saying it sounds like when in doubt, just follow the rules, it sounds like. Brian: Yeah. Dave: When Brian: In doubt follow the rules, don't make up your own rules, for Dave: Sure. Yeah. Well, and I think part of the problem is people may not be aware of the rules. Brian: They're not, and then they just fill in the blank. Their brain fills in the blank with what they think makes sense. Dave: Yeah, because a lot of be a lot of differences between the IC-DISC and say an S corp, right? Like the election to be treated as an S corp does not have the same deadline urgency as the election be treated as a IC-DISC. Is that correct? Brian: I'm not a hundred percent sure, but there might, yeah, I am a hundred percent sure. Because if you miss the deadline for the S selection, there's automatic relief available for the S selection to be made late. There is no automatic relief available for a IC-DISC election. Either you've met the requirement to file it within the first 60 days of the corporation its existence, or you haven't. Now, there are exceptions, and we have written some private letter ruling requests in the past to get be granted relief for missing that 90 day window, but that's an extensive Dave: Miss. Yeah, understood. And then some other, Brian: And you may not know for two years whether you're going to get the relief or Dave: Yeah, I know I've had CPAs tell me that they frequently will just include the form 25 53 S corp election with the filing of the initial S corp return. Brian: That's allowed. And that's allowed, Dave: Yeah. Obviously you can't do that with the IC-DISC return. Brian: No, no. So then on the topic dividends, there's also some misunderstanding or misconception of whether a dividend from a IC-DISC is subject to the net investment income tax, the 3.8%. Dave: Oh, yes. I've heard people take that position that it's not subject to. What are your thoughts? Brian: Well, my thoughts are that many years ago, like 11 years ago, the IRS came out and said, it's definitely subject to the commission IC-DISC paying a dividend. That dividend is definitely subject to the net investment income tax. So I personally don't get involved in individual returns, so I don't know what people are doing, but if I'm ever asked, that's what I'll tell somebody. And I say, you can take whatever position you're comfortable taking, but this is the position I know the IRS would take. Dave: Okay, that makes sense. What other pitfalls do you see or misconceptions Brian: People have? So when I see IC-DISC, there's a $10 million, let's call the $10 million deferral cap with regard to a IC-DISC. And what that means is any IC-DISC commission related to export sales made by the related supplier, which are greater than 10 million above that $10 million threshold, create what's called a deemed dividend. You're not allowed to defer any of that income in the IC-DISC. Well, in practice or in the real world, people think, oh, I can't have more than 10 million of export sales. If I go over 10 million, I can't use the disk. That's clearly not true. I have clients that have seen clients that have billions of dollars of export sales. They just have a very large deep dividend that goes along with the IC IC-DISC commission. There is no limitation on the amount of export sales, the limitations on how much of the income you can defer the IC-DISC if you have more than 10 million of export suit. Dave: Okay. Brian: I've also seen related to that issues where someone's exporting military property. So military property, half of the income is a deemed dividend automatic under the rules. And then I've seen where they then add, and let's say the sales were over 10 million, they've added, they made an additive, they took half of the commission on the military property, and they said, oh, my sales are more than 10 million. I have additional deemed dividend as well. That's not how it works. The way it works is you compute your deemed dividend on the sales in excess of 10 million, and then from that you subtract the deemed dividend related to the military property. And so the most your deemed dividend can be is related to that $10 million cap. Dave: Okay. Yeah, I was less familiar with the military aspect of it. I don't think any of my clients are exporting military property. Brian: That's just an example. I mean, there's other things that give rise to deemed dividends as well. For example, one way you can defer income in a IC-DISC is to loan the money back to the related supplier. Under a producer loan arrangement, there's very specific facts that support the ability to use a producer loan. But then each year, the interest that's earned on that producer loan is a deemed dividend. Dave: Oh, sure. Brian: Whether it's paid or not. So whether the interest is paid, and then when the dividend is actually paid, it's not taxable because we've got a lot of ordering rules in the IC-DISC about when things get paid out and how they get paid out, and I don't have all day, but that's another area where I think there's a lot of misunderstanding. Dave: Okay. Brian: Oh, well, so I can focus on one small part of that is the IC-DISC in year one has the income of a hundred. In first quarter of year two, they pay out the 100 to the IC-DISC and the DIS pays the dividend. And in year two, it earns $300, and that gets paid in year three. Well, I hear all the time, well, I don't have any income deferred to the DIS because I earned the a hundred dollars in year one, I paid it in year two, and I paid the dividend in year two, and then I had income for year two of $300 that I paid in year three. Well, it doesn't work that way. In the DIS world or in the tax world in general, current earnings are always considered to be distributed first. So that a hundred dollars that gets paid out in year two is really coming from the year two earnings. And the year one earnings are still sitting in the deferred, thus giving rise to the interest charge that someone thinks they're avoiding. Dave: Okay. Brian: So there's some misconception about how that works. Dave: So I have one I just thought of, and I've heard this is the one, the misconception I've probably heard the most. Under no circumstances can the IC-DISC commission create a loss at the related supplier level? No matter how you do the calculation, it's Brian: Impossible. That's a big misconception. Dave: Yeah, Brian: There's no rule. There is no rule like that. Okay. So the rule is actually applied at the level in which you're computing the IC-DISC commission. So if you have exports with a profit, but overall your company has a loss, you can still compute a IC-DISC commission on those export sales because they have profit. Now, you can't cause the profit on the export sales themselves to become a loss. So let's say your export sales are making 2% bottom line, but overall, your company loses 3% bottom line. Some people will think, I can't get a IC-DISC commission. I have a loss. That's not true. You can claim a IC-DISC commission, but it cannot be more than 2% of the export profit because then makes the profit on the export zero, but it can't go below zero. Dave: And that's if you're using what we would call the standard or simple calculation. Brian: That's the simple calculation. Now, if you're doing something more detailed and you're calculating a IC-DISC commission on a product or product line or a transaction, you apply that no loss rule at that level. So you can have a number of transactions that are profitable, you can have a number of transactions that are not profitable, and then different rules apply. There's really people think, oh, there's two methods to compute a IC-DISC commission. That's probably another big misconception. There's really 18 methods to compute a IC-DISC commission, and you can choose one that allows you to get a commission but doesn't create a loss, and in some cases does actually allow you to create a loss. Dave: And is that methodology difference? I can't think of the technical accounting term, like where if you change your inventory method, you have to notify the IRS or you make an accounting change. This isn't like that, right? You don't have to each year notify the IRS. We used the 4% method last year, we're using the 50% this year, or we're doing other methodology. Correct. Brian: So you technically notify them by checking various boxes on the IC-DISC return, but it's not like a change in the accounting method where you have to apply for a change and have it approved or have an automatic change. This is considered a change in facts. And however your facts bear out, you can claim whatever commission you're allowed to claim. Dave: Now, when you do that transactional calculation, another misconception I hear is that it's just impossible because there's all this data that the company doesn't have, and it's so complicated to do it that just nobody has the ability to do it. Nobody can do it. Nobody wants to do it. Talk to me about that. Is the data really impossible to get from the clients? There no client that can provide any data that can be used. Brian: There may be handful that can't, but by and large, most companies have the ability in 2025 to obtain that data. When the rules were written in 1972, I'd say it was probably flipped where only a handful could probably get that information. And the vast majority of companies would never be able to get that information. But somebody wrote the regs that way back in the early seventies, and with the idea that you could get transactional information and compute the dis commission transactionally as opposed to at a higher level where everything's grouped together or a simple calculation. But in 2025, it's very, I have a hard time determining conceiving of a company that can't get some information pulled together. And that's the other, there's a related misconception. Oh, I have to tie out every dollar of my cost of good sold before I can tell you I have cost of good sold data for a transaction. Well, that's just not true because in the real world, companies make journal entries adjusting the cost of good sold. They don't do it at a transactional level. There's other things that schedule M'S on a tax return that affect cost of good sold. And so no, you don't have to nub that out to the last dollar to say, I have transactional data. You have to be able to identify what you can and what you can't identify gets allocated or apportioned across all the transactions. And if you think about it, if you say, I can't get anything, you're really apportioning all of the costs over everything anyway. That's the ultimate in apportionment. There's not even any allocation. You're just saying, oh, every one of my transactions has the same margin as a result, which is really factually never the case. Dave: Well, and I just thought of another one, and this isn't maybe a misconception as much as it is a misinterpretation. I can't tell you how many IC-DISCs I see that the related supplier is a flow through entity, yet they have the individuals own the IC-DISC. Have you seen this before? Brian: I've seen it. And sometimes they think that's the way it had to be. Sometimes they hadn't really thought of. It depends how they're using it. But the real downside to that is the IC-DISC commission reduces the income of the flow through entity, thus reducing the basis they have in their shares of that flow through entity. And then the dividend gets paid to the individual and there's no basis increase the dividend income. And unless they contribute the funds back to the business, they're eroding away their basis stock, which ultimately will result in a higher gain if they ever sell their business. Dave: When the ownership of the IC-DISC matches the ownership of the related supplier. Can you think of a scenario where it is actually beneficial for the individual shareholders to the IC-DISC instead of the related supplier? Brian: Yes. There are situations depending on where this shareholder lives. So let's say the shareholder lives in, say the company is operating in a state with a state income tax, but the shareholder lives in a state that doesn't have a state income tax. It's possible to get that dividend to the shareholder tax free, where maybe if it went through the S corporation or the partnership, it would not be tax free. Dave: I see. And you're talking about tax free at the state level? Brian: Yes. Federally, I don't really see in a regular IC-DISC that's just been used to pay dividends to the owners of the supplier. I don't see, unless it's a C corporation, in that case, you don't want the IC-DISC owned by the C corp, but if it's a flow through entity, you generally get the same tax answer, whether it's owned directly by the flow through entity or directly by the shareholders. Dave: Okay. Oh, I just thought of another misconception. It's funny, when we started this column, I only had a handful of misconceptions. But the more we talk, the more we think of. So here's another one. Say you have a flow through as the related supplier yet for whatever reason, you want the IC-DISC to be owned by the individual shareholders. Well, I've been told several times that the ownership of the IC-DISC must match the ownership of the related supplier. There is no option to do otherwise. Is that accurate? Brian: That's a fairly strong statement. So the answer to that is no, it's not absolutely not required. Now, if the shareholders are related to one enough FAMILIALLY related, and there appears to be donative intent. So if mom and dad own a company and set up a IC-DISC and transfer it to the kids, there is some old IRS guidance out there that says, Hey, when a IC-DISC commission's paid to that IC-DISC, mom and dad are making a gift to kids. So that's a pattern you want to avoid, which is pretty easy to avoid, frankly. Dave: And you would avoid that by just setting up a new IC-DISC that the children would Brian: Set up initially and not get transferred by Dave: To the right and where the kids are making the capital contribution to Bible stock and Brian: Right. Exactly. But that's the one little gray area. Otherwise, there are some people out there that set up a IC-DISC to fund bonuses for executives. And we've kind of transitioned here away from misconceptions to underutilized opportunities because really that's an opportunity where you can use a IC-DISC to fund bonus payments to key executives and owners, or not owners, and it doesn't save the company any money, but it certainly saves the recipients a good amount of tax because if they get bonuses, they're paying tax, whatever their ordinary rate is, let's just say 37%, where plus there's payroll tax of 3.8%, whereas if it's funded through a IC-DISC, they pay tax at the qualified dividend rate plus the 3.8%. So it's a 17% rate differential on that type of income between the wages and the qualified dividend for the recipient. Dave: And I guess it would also save the employer portion of the employment taxes as well, right? Brian: Well, it saves the employee and the employer, but it's replaced by the Obamacare net investment income tax. So they're both 3.8%. Dave: But if you had a simple example where an employee had a base salary of a hundred thousand dollars and they had a $20,000 bonus that was paid through the IC-DISC, that would've been subject to Brian: Fica. I'm thinking about people that are making more than Dave: Understood, Brian: But you can save FICA tax as well, Dave: And the Brian: Employer and the Dave: Employee, and that's kind of what I was thinking of. And even when they get above that limit, there's still the 1.45% that I think has no cap. Brian: Right. But again, that's the employer portion. Then there's the employee portion together that's 3.80, Dave: Right, which is the, Brian: So you've got the Obamacare tax. Gotcha. Dave: Well, that reminds me of another misconception that you had alluded to, and that is that a related supplier can only have one IC-DISC affiliated with it. Is that true? Brian: That is not true. Related supplier could have a thousand IC-DISCs if it wanted to. Dave: In fact, that option you mentioned of the employee owned IC-DISC, I usually see that as that being an additional IC-DISC kind of in addition to the primary IC-DISC. Is that usually how you see it? Brian: I see that way as well. Yeah, for sure. Or I see IC-DISC A is going to fund bonuses for the C level executives, and then IC-DISC B is going to fund bonuses for middle management. And so middle management IC-DISC has a targeted amount, and the upper level IC-DISC may not have a targeted amount. It might just be unlimited. Dave: Now, the drawback is if you have multiple disk, the combined commission amount for all of them cannot exceed what it would've been if you had just one IC-DISC. Right. It's not a mechanism to create larger combined Brian: That definitely can't, doesn't work. Yeah, it definitely would. But yeah, you can definitely set up different structures to fund bonuses for different people, or if it's a C corporation, and we don't see a lot of C corporations with IC-DISCs. But if you're a closely held C corporation, you can have a shareholder owned IC-DISC, and if you're in the habit of paying dividends, you can pay commissions to a DIS instead of paying those dividends, Dave: Avoiding the double taxation in Brian: The corporate layer. Exactly. So that's an underutilized opportunity in my opinion, because there's got to be more closely held C corps out there than the amount that are using IC-DISCs. Dave: And I guess another one, we touched on this earlier, but the evergreen dividend resolution, what's this all about? Why is this an opportunity? What are the benefits of Brian: It? So the evergreen dividend resolution basically says the IC-DISC is going to distribute, its right to receive a commission each year on the last day of its year. So that accelerates the dividend into the same year as the commission expense. That alleviates the need to move money under the 60 day rule and 90 day rule. There's no reason to move the money if you're not trying to qualify a receivable. That's what those rules relate to, whether you're as receivable as qualified or not. So that's a benefit. It also can guard against the law change where the rate on the dividend income would go up in the subsequent year. You can avoid that. But a lot of practitioners treat their IC-DISC like they have an evergreen, but they don't actually have it. And that's a problem in my mind. But if you have it, it just makes everything a lot easier. You don't have to try to figure something out by the end of February. You figure it out once and you just treat it like it all happened at the end of the year. And I know that that works because I had a client years ago that was in tax court in the great state of Texas. The issue came up. I wrote up a brief for the client, and the tax court accepted the evergreen as a viable dividend resolution Dave: Because in a way, didn't the tax court almost defer that to the state rules? Brian: Well, they just fall under. So you can have a dividend, you can create a dividend under state corporate law just by writing a resolution, but you have to have the income to support the dividend, to have a dividend for tax purposes. So if you have the resolution that says, I'm declaring a dividend on December 31st every year, then based on facts, you either do have a dividend or you don't for tax purposes depending on how much income you have. So it just falls back on that probably one other underutilized Dave: Opportunity. Well, Brian, before you move, I just wanted to talk about the evergreen, I guess is the biggest drawback that the taxpayer would miss out on the deferral. Brian: That's one of the drawbacks. The other drawback has to do with the interplay between all of this and this 4 61 L limitation, which limits how much of a flow through loss a taxpayer can deduct in a year. So you could have a situation where the IC-DISC dividend on a transaction by transaction basis becomes so large, the commission becomes so large, it creates a loss and the flow through entity, the shareholder can only deduct a certain amount of that loss, but they would have to potentially pick up all the dividend income Dave: And then Brian: Deduct that loss at a later point in time. Now, personally, I'm still getting a permanent rate benefit out of it. So if I'm not going to sit on this loss for years and years, I think it's okay. But if I'm going to sit on that loss year after year after year and not utilize it, then I don't want to be picking up those dividends that I can't utilize the losses. So it just requires some additional coordination between the CPA and us and the client to determine exactly what the right commission should be. Dave: Okay. So you're about to, Brian: And that's another misconception. Dave: Yeah, go ahead. Brian: Yeah, like, oh, my commission has to either be whatever I compute or zero can't be anywhere in between. That's a misconception because I can target an amount, and as long as my IC-DISC commission agreement gives the related supplier the unilateral power to include or not include a IC-DISC export sale in the IC-DISC calculation, I can pick and choose whatever number I want that to be so that I don't have a 4 61 L problem, or I don't have the number be bigger than I can utilize. In other words. Dave: And that's because the IRS does not require you to capture every export sale. So that's basically limit the IC-DISC commission to a specific amount and back into which of the export sales you'll basically exclude from the calculation. Brian: Right? Right. Exactly. Exactly. But again, also we like to see that supported in the IC-DISC commission agreement. And then the last underutilized opportunity has to do with G there. Having a IC-DISC does have some cost. So if I don't have at these 3 million of export sales, it might be questionable whether I can really benefit economically benefit from a IC-DISC. When I look at the cost and the benefit, well, there are structures out there that we'll call a shared ING IC-DISC where partner like small exporter can invest in a partnership. That partnership owns a IC-DISC. Maybe there's five or six investors in the partnership. They're all unrelated. They all have, let's call it a million dollars of export sales. And on a standalone basis, there'd be too much cost for setting up the disk compliance to offset the tax benefits, but it'd be greater than the tax benefits. But if I can use a shared disk, then I only have to share a portion of the cost, the annual cost of the IC-DISC, but I still get my tax benefit. And really what happens with the other partners? So the partnership owns the IC-DISC. The IC-DISC earns that commission from the related supplier, then the IC-DISC pays all of its dividends to that partnership, and the partnership can then allocate the dividends back to the individual exporters based on their contribution. So it's a way for smaller companies to still get a tax benefit out of it. And I seen very few of these out there. So there's got to be thousands of companies that export that just don't export enough to have their own IC-DISC. Dave: Yeah, yeah. No, that's an interesting opportunity. And I agree based on my experience. I mean, I've talked to so many people in the past, or I did talk to so many people who exported $2 million or less, and I'd have to say to them, it's probably not worth the time and the cost because there's time on their end and then there's hard cost to have the work done. Brian: Yeah. I've had the same conversation countless times with companies as well. It's really something that both exporters and their CPAs should be aware of because the CPAs are in the best position to know that their clients are doing some level of export. Dave: And I just thought of another misconception, and that is that the virtually from the day after the IC-DISC rules were enacted, prognosticators started saying that the IC-DISC is going away. It's just going to be a short-lived thing. And even in the two decades I've been involved in IC-DISC work, I've heard this from so many tax practitioners, oh yeah, this thing's going away anyway, why bother? Brian: Yeah. Well, it really, for it to go away would fly right in the face of current policy in the administration. So I don't think it's going away anytime soon. Some of the benefits have been whittled away over time with some of the other provisions that are coming into play, but it's really not going to get repealed anytime soon. Certainly not in the next four years after that, who knows. But certainly it's good for the next four years. But it's funny, in 2003 with the Bush tax cuts, they brought in this concept of qualified dividend income, which really revitalized the use of the IC-DISC for a lot of pass through businesses. One of the big four firms said, oh, it's going to be a technical correction, and the qualified dividends are not going to include the dis dividends. Well, here it is 22 years later, I'm still waiting for that technical correction out of Congress, but I guarantee you that they've advised their clients to use the IC-DISC, even though they were out there saying, oh, no, no, no, no, no. This is an error. It's going to go away. Dave: Well, I had this conversation, I think it was in 2009. I think the preferential dividend rate was IC-DISCussed going away at the end of 2010. If I have my time horizon. And I remember it was late summer of I believe oh nine, talked to the potential client, they connected me to the CPA, and this was the international tax partner of a top 50 CPA firm. And she said to me, quote, I think you're being reckless even bringing this idea up to my client. I said, why is that? She said, are you not aware of house resolution such and such that hadn't been passed, but the resolution was going to ever go away? And she said, if this is passed, then this will not be usable beyond the 2010 tax share. And she said, we think it's reckless and not even sure why you'd want to bother with it if you can only at max use it for a year and four months. And I remembered saying, I appreciate that. You may not think it's worth it, but I wonder if the client, when he does the ROI calculations, if they might think it's worth it. Because even if they only used it for a year and a half, it still might be worth the cost to set it up, the compliance cost and the cost to shut it down. Brian: That whole analysis took place in 2007, 2010, 2012. I remember, I'm not proud of this, staying up late on New Year's night of 2013, so I could watch Congress vote because they let the qualified dividend rate lapse and then they had to reenact it the next day. And they did it on January 1st, and I sat in front of the TV watching. I was fairly invested in whether they were going to vote for it Dave: Or not. Yeah. Well, I think that's appropriate. You're a little bit like the soup Nazi from Seinfeld. He is got such passion for his customers. Brian: There you go. Yeah, I definitely am passionate about what I do because I love what I do. I couldn't imagine not doing it. Dave: Yeah, I find the same. Brian: And I love helping taxpayers legitimately reduce their tax burden. Dave: Well, and the clients that we help tend to be entrepreneurial type companies, they're not Fortune 500. And I've seen where this can legitimately make a difference in freeing up cash to buy more equipment, hire more people. It's quite a stimulus. Brian: Also not a misconception is Fortune 500 companies can't use a IC-DISC. It's really for private companies. Dave: Yeah. Brian: It's not something that you'll see a lot of or any private public companies utilize. Dave: Okay. Well boy, we've covered a lot. Anything left to cover? Any other misconceptions or opportunities you can think of? Brian: Nothing that I don't think we've IC-DISCussed. Dave: Okay. Well, I have one final kind of fun question. So with the benefit of hindsight, if you could go back in time and give advice to, say your 25-year-old self, what advice might you give to yourself? Brian: It's going to be completely non-tax related. Dave: That's okay. Brian: If you tear a ligament to your knee, get it repaired. I did that and I didn't get it repaired. And ultimately I got a new knee, which works just as well as the original with a lot more probably pain in the interim. Dave: Gotcha. Okay. Well that's good advice. So the takeaway, if you're 25 years old and you have a ligament tear, don't wait 30 years to get it fixed Brian: Or to not get it fixed at all and just get an artificial knee. Dave: Yeah. Understood. Well, Brian, thank you so much. This was really fun. I mean fun by a couple of IC-DISC nerds. I guess not everybody would consider this conversation fun, but I thought it was a lot of fun and I appreciate the expertise that you bring to this matter. Brian: I appreciate the opportunity to be here and chat with you about it. And maybe in the future there'll be some more topics we can talk about. Dave: Yep. I would enjoy that. We should make it an annual tradition. Brian: That sounds like a good idea. Dave: Alright. Hey, have a great day, Brian. Brian: You too, David. Dave: There we have it. Another great episode. Thanks for listening in. If you want to continue the conversation, go to ic IC-DISC show.com. That's IC dash D-C-S-H-O w.com. And we have additional information on the podcast archived episodes as well as a button to be a guest. So if you'd like to be a guest, go select that and fill out the information and we'd love to have you on the show. So it we'll be back next time with another episode of the IC-DISC Show. Special Guest: Brian Schwam.

What can you deduct on your tax returns? Hobby Losses? Here is a breakdown that will help you to NOT be audited by the IRS! Do you have unfiled tax returns that need filing? Call us at 866-8000-TAX or fill out the form at https://choicetaxrelief.com/If you want to see more…-YouTube:    / @loganallec  -Instagram: @ChoiceTaxRelief @LoganAllec -TikTok: @loganallec-Facebook: Choice Tax Relief // Logan Allec, CPA -Reddit:   / taxrelief   

A review of the week's major US international tax-related news. In this edition:  US Senate fails to advance ACA bills – President Trump says second budget reconciliation bill unnecessary – IRS issues guidance on taxing US investment income of foreign governments – US government considering changes to final FX regulations; releases draft forms – US optimistic for Pillar Two global minimum tax side-by-side deal.

04:02 ICEblock app sues Trump administration14:04 Judges blocks IRS from sharing info with ICE30:37 Pursuit with grand theft suspect ends after officers open fire on video37:39 Man with axe tased by officers and arrestedLEO Round Table (law enforcement talk show)Season 10, Episode 248 (2,580) filmed on 12/11/20251. https://www.npr.org/2025/12/08/nx-s1-5631826/iceblock-app-lawsuit-trump-bondi2. https://www.washingtontimes.com/news/2025/nov/21/judge-blocks-irs-sharing-data-ice/3. https://rumble.com/v72njs0-grand-theft-suspect-leads-pursuit-in-la-county-after-being-shot-by-bell-pol.html?e9s=src_v1_upp_a4. https://rumble.com/v71to3s-kitsap-county-sheriffs-deputies-tases-axe-welding-suspect.html?e9s=src_v1_upp_aShow Panelists and Personalities:Chip DeBlock (Host and retired police detective)Jeff Niklaus (veteran & founder of Compliant Technologies)Jeff Wenninger (retired lieutenant and Founder & CEO of Law Enforcement Consultants, LLC)Related Events, Organizations and Books:Retired DEA Agent Robert Mazur's works:Interview of Bryan Cranston about him playing Agent Robert Mazur in THE INFILTRATOR filmhttps://vimeo.com/channels/1021727Trailer for the new book, THE BETRAYALhttps://www.robertmazur.com/wp-content/uploads/2023/05/The-Betrayal-trailer-reMix2.mp4Everything on Robert Mazurhttps://www.robertmazur.com/The Wounded Blue - Lt. Randy Sutton's charityhttps://thewoundedblue.org/Rescuing 911: The Fight For America's Safety - by Lt. Randy Sutton (Pre-Order)https://rescuing911.org/Books by panelist and retired Lt. Randy Sutton:https://www.amazon.com/Randy-Sutton/e/B001IR1MQU%3Fref=dbs_a_mng_rwt_scns_shareThey're Lying: The Media, The Left, and The Death of George Floyd - by Liz Collin (Lt. Bob Kroll's wife)https://thelieexposed.com/Lt. Col. Dave Grossman - Books, Newsletter, Presentations, Shop, Sheepdogshttps://grossmanontruth.com/Sheriff David Clarke - Videos, Commentary, Podcast, Shop, Newsletterhttps://americassheriff.com/Content Partners:Red Voice Media - Real News, Real Reportinghttps://www.redvoicemedia.com/shows/leo/ThisIsButter - One of the BEST law enforcement video channelshttps://rumble.com/user/ThisIsButterThe Free Press - LEO Round Table is in their Cops and Crimes section 5 days a weekhttps://www.tampafp.com/https://www.tampafp.com/category/cops-and-crime/Video Show Schedule On All Outlets:http://leoroundtable.com/home/syndication/Syndicated Radio Schedule:http://leoroundtable.com/radio/syndicated-radio-stations/Sponsors:Galls - Proud to serve America's public safety professionalshttps://www.galls.com/leoCompliant Technologies - Cutting-edge non-lethal tools to empower and protect those who servehttps://www.complianttechnologies.net/The International Firearm Specialist Academy - The New Standard for Firearm Knowledgehttps://www.gunlearn.com/Aero Precision - "When Precision Counts”https://www.aeroprecisionusa.com/MyMedicare.live - save money in Medicare insurance options from the expertshttp://www.mymedicare.live/

In this episode, we welcome Congressman Glenn Grothman from Wisconsin to discuss the latest developments in defense authorization and healthcare reforms. Congressman Grossman shares insights on the Pentagon's strategies to adapt to modern warfare, the significant reductions in non-uniform personnel within the Department of Defense, and the potential savings for taxpayers. We also explore the implications of upcoming healthcare reforms, including reduced prescription drug prices and enhanced taxpayer rights regarding the IRS. Later, John Lott, president of the Crime Prevention Research Center and author of 'Gun Control Myths,' shares compelling statistics that reveal a drop in murders and mass shootings, challenging the narratives frequently presented in the media. We discuss the implications of gun control laws on minority communities and the importance of allowing individuals to protect themselves. Finally, we tackle the pressing issue of welfare fraud with Chuck Flint, CEO of the Alliance for IRS Accountability and a former prosecutor. We discuss the alarming schemes involving fraudulent claims, particularly within the Somali immigrant community, and the apparent lack of accountability from government officials.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Trump and Hegseth are gearing up to send your kids to die for Israel. Venezuela is the next domino to fall. America's churches have been turned into Israeli fundraising centers and Third-Temple death cults run by fake Khazar “Jews” and their bought-off goy preachers. Pastor Chuck Baldwin joins Stew to burn the entire satanic system straight to hell.   The criminal cabal is using YOUR money to bomb kids overseas and replace us with third-world invaders, all funded by the biggest lie ever told: federal income tax. Peymon Mottahedeh joins Stew tonight to prove there's NO LAW requiring you to file or pay, and shows you exactly how to legally cut them off tomorrow and starve the beast.   The COVID “vaccine” was a military grade bioweapon attack on humanity and the monsters who mandated it are still in power. Paul Rozell lost his 28 years at United Airlines for refusing the poison jab.   Erika Kirk is exploiting Charlie's tragic assassination to push a phony narrative that he secretly lived a Jewish lifestyle and observed Shabbat, all while hawking his posthumous book to promote Judaism and Israel over real Christianity. The truth is Charlie was waking up to the cabal, rejecting their wars and influence, but now his untrustworthy inner circle is rewriting history for power and millions.

Paid Advertisement: Text SALTY to 36912 to get 60% off the BAERSkin Hoodie Jacket today! Or click: https://baer.skin/SaltyCrackerDon't let the IRS be the first to act. Visit http://tnusa.com/salty or call 1-800-958-1000 for your FREE discovery call with Tax Network USA.Website: https://saltmustflow.comOTHER PLATFORMSRumble: https://rumble.com/c/SaltyCrackerYouTube: https://www.youtube.com/@SaltyCrackerTwitter/X: https://x.com/SaltyCracker9Locals: https://saltycracker.locals.com/SUPPORT SALTYWebsite: https://saltmustflow.com/support/SubscribeStar: https://www.subscribestar.com/salty-crackerCash App: https://cash.app/$saltmustflowMerchandise: https://saltmustflow.com/shop/Mrs. Salty's Channel: https://www.youtube.com/channel/UChnZMOno3rthe1LHvcxufdwMusic by: https://incompetech.com/ Crinoline Dreams In Your Arms--Disclaimer-- These are the opinions and ramblings of a foul-mouthed lunatic. They are for entertainment purposes only and are probably wrong. You listen at your own risk.

Think you could spot a financial scam before it's too late? In this episode, Austin, Josh, and Jordan break down the most common scams targeting retirees and families today, from fake IRS calls to AI-powered imposter scams. You'll hear real examples, why older adults are being targeted more than ever, and simple steps you can take to protect yourself and the people you care about most. Tune in!For the video version, transcript, and show notes, visit thewealthmindsetshow.com/s2e26 Send in LISTENTER QUESTIONS via text➡️Download Free Resource: 8 Timeless Principles to Investing!

Tax tips and avoiding potential issues with Carlos Samaniego - previous episode How to Make the IRS an Offer They Can't Refuse free bookFree Magic Words for Prospecting audios Master the Four Core Skills 

On this episode of Simply Money presented by Allworth Financial, Bob and Brian break down the Fed's latest interest rate cut—what it means for mortgages, savings rates, and why younger homebuyers may still feel squeezed. Then, they dive into a critical end-of-year financial planning reminder: take your required minimum distributions (RMDs) by December 31st or risk a 25% IRS penalty. They also tackle a headline-grabbing claim that passive investing is “worse than Marxism” and explain what’s really at stake for your portfolio. Plus, the Better Business Bureau joins to spotlight the biggest holiday scams of 2025, and the guys answer listener questions about tax alpha, benchmarks, and how to unwind capital gains the smart way.See omnystudio.com/listener for privacy information.

Melanie Lauridsen, the AICPA's vice president–Tax Policy & Advocacy, joined the JofA podcast on Tuesday from the Digital CPA Conference, offering context on the most recent government shutdown and on how a potential shutdown early in 2026 could affect IRS services. The interview was conducted one day after the IRS released guidance for health savings accounts. Guidance related to H.R. 1, P.L. 119-21, the law commonly known as the One Big Beautiful Bill Act, was also part of the conversation. In the Q&A, Lauridsen touched on the AICPA's areas of advocacy focus for the new year and why 2025 and 2026 are big tax years. Resources: n  The October discussion with Lauridsen n  The January discussion with Lauridsen What you'll learn from this episode: Lauridsen's analysis of IRS guidance on new tax provisions in H.R. 1. The impact of the 43-day government shutdown on IRS operations. Concerns about taxpayer service and staffing as the filing season approaches. AICPA advocacy priorities for the year ahead.

Where do your taxes go? Are they really stolen? Find out in today's episode!Do you have tax debt? Call us at 866-8000-TAX or fill out the form at https://choicetaxrelief.com/If you want to see more…-YouTube:    / @loganallec  -Instagram: @ChoiceTaxRelief @LoganAllec -TikTok: @loganallec-Facebook: Choice Tax Relief // Logan Allec, CPA -Reddit:   / taxrelief   

Corrie Bignell watched Trudeau turn Canada into a giant euthanasia camp and refused to become a killer for the regime, so they stripped her of everything. Corrie joins Stew live from Nicaragua to expose the COVID holocaust.   Erika Kirk just threw a $10k-a-plate victory party at Epstein's old playground while her husband's body still isn't in the ground. Jake GTV joins Stew with receipts to discuss TPUSA's financials.

In this episode of the Tax Smart REI Podcast, Thomas Castelli and Nathan Sosa sit down with cost segregation expert Edward Griffith to break down what investors really need to know about cost segs—why engineering-driven, in-person studies deliver superior results, and how relying on cheap or software-only reports can quietly cost investors tens of thousands and increase audit risk. You'll learn: - What a cost segregation study actually is, why it matters, and which properties generate the biggest ROI - Why in-person, engineering-driven cost segregation consistently produces higher ROI and stronger IRS defensibility than software-only reports - How the timing of a study (including pre- and post-renovation) affects your tax strategy and bonus depreciation opportunities - What the full cost seg process looks like from start to finish, and how to ensure deductions actually show up on your tax return To become a client, request a consultation from Hall CPA, PLLC at go.therealestatecpa.com/3KSEev6 Subscribe to REI Daily & Enter to Win a FREE Strategy Call: go.therealestatecpa.com/41JuQBX Get the Year-End Tax Checklist: go.therealestatecpa.com/4pj63id The Tax Smart Real Estate Investors podcast is for general information purposes only and is not intended to provide, and should not be relied on for, tax, legal, or accounting advice. Information on the podcast may not constitute the most up-to-date legal or other information. No reader, user, or listener of this podcast should act or refrain from acting on the basis of information on this podcast without first seeking legal and tax advice from counsel in the relevant jurisdiction. Only your individual attorney and tax advisor can provide assurances that the information contained herein – and your interpretation of it – is applicable or appropriate to your particular situation. Use of, and access to, this podcast or any of the links or resources contained or mentioned within the podcast show and show notes do not create a relationship between the reader, user, or listener and podcast hosts, contributors, or guests. Any mention of third-party vendors, products, or services does not constitute an endorsement or recommendation. You should conduct your own due diligence before engaging with any vendor.

This episode breaks down the five year-end tax strategies that can still lower your tax bill before December 31. You'll learn simple, legal steps business owners use to save real money, including tax planning moves most people don't hear from their CPA. We cover timing your expenses, using tax savings tools like bonus depreciation, and making smart money decisions before the year ends. You'll also hear real stories of women entrepreneurs who used these strategies to keep more of their income and strengthen their financial mindset. These tips work for small business owners who want clear finance advice they can use right away. By the end, you'll know exactly what to do this month to avoid overpaying the IRS. Listen now so you don't lose your chance to save money this year.   Next Steps:

In this episode, Anderson CPA Barley Bowler and attorney Eliot Thomas, Esq., tackle year-end tax planning strategies and answer listener questions on a variety of critical topics. They explain the new rules for research and development cost deductions following recent legislation, including the choice between immediate 100% deduction or five-year amortization for domestic R&D. Barley and Eliot cover the 72T procedure for penalty-free early IRA withdrawals, the strategic benefits of qualified opportunity zone investments for deferring capital gains, and how to use IRA funds without penalty for first-time home purchases. They discuss the complex rules for deducting expenses on mixed-use vacation homes, calculating tax-free administrative office reimbursements, and essential year-end action items including payroll, bonus depreciation, solo 401K contributions, and charitable giving strategies. Tune in for expert advice on maximizing deductions before December 31st! Submit your tax question to taxtuesday@andersonadvisors.com Highlights/Topics: "What are research and development costs? How are they deducted?" - Domestic R&D costs can now be 100% deducted immediately. "What expenses that I incur on behalf of my employer can I deduct on my personal 1040 tax return?" - Very limited options exist; reimbursement from employer is best approach. "Can you please explain what a 72T procedure is?" - Take equal IRA distributions before 59.5 without 10% penalty. "I am considering investing in an opportunity zone fund to defer capital gains. What are some top items I should be thinking about?" - Consider fund structure, compliance requirements, and ten-year holding period benefits. [33:35] Title Question "How can I be exempt from paying the IRS the penalty of using my retirement money to buy a condo?" - First-time homebuyers can withdraw $10,000 from IRA penalty-free. "Are expenses such as real estate property taxes and home improvements deductible on vacation homes that are used both for personal and rental purposes?" - Personal use over 14 days limits deductions to rental income. "I'm attempting to calculate the reimbursements for our administrative office. How do I calculate, how much can I reimburse myself for tax-free every year?" - Calculate square footage percentage times home expenses for reimbursement amount. Resources: Schedule Your Free Consultation https://andersonadvisors.com/strategy-session/?utm_source=can-you-use-retirement-money-for-a-condo-without-the-penalty&utm_medium=podcast Tax and Asset Protection Events https://andersonadvisors.com/real-estate-asset-protection-workshop-training/?utm_source=can-you-use-retirement-money-for-a-condo-without-the-penalty&utm_medium=podcast Anderson Advisors https://andersonadvisors.com/ Toby Mathis YouTube https://www.youtube.com/@TobyMathis Toby Mathis TikTok https://www.tiktok.com/@tobymathisesq Clint Coons YouTube https://www.youtube.com/@ClintCoons  

This episode sees David McKnight look at Suze Orman, who, despite being one of the most widely recognized financial voices in America, shares what appears to be incomplete advice. David believes that Orman has done a lot of good for a lot of people thanks to her financial discipline-centered approach (in addition to being a big proponent of Roth IRAs). He agrees with Orman: "Roth IRAs are powerful, no doubt about it. You contribute after tax dollars, your money grows tax-free, and, provided you meet the requirements, you can withdraw those funds in retirement 100% tax-free".  The U.S. is currently at historically low income tax rates and, thanks to the One Big Beautiful Bill Act, they have been permanently extended. However, David shares that, when it comes to the IRS tax code, there's no such thing as a permanent extension. David's pet peeve with Orman: getting money into Roth IRAs now (while tax rates are low) isn't something that will truly protect you from rising tax rates in retirement. That's because a Roth IRA by itself isn't enough. In his book The Power of Zero, David advocates for a balanced, comprehensive approach to tax-free retirement that draws from six different streams of tax-free income. David goes through the six strategies and explains why you need each and every one of them if you want to land in the 0% tax bracket in retirement.     Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter  @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Suze Orman OBBBA (One Big Beautiful Bill Act)

In recent months, the threats facing nonprofit organizations have continued to develop at a furious pace. In the face of challenges like funding reductions and congressional investigations, nonprofits are taking the time to shore up their defenses and prepare for what's to come. On this episode, we'll discuss several recent events that have the sector talking so that your nonprofit can take the steps necessary to ensure your continued ability to boldly advocate on behalf of your communities.   Attorneys for this episode ·      Brittany Hacker Leonard ·      Tim Mooney ·      Natalie Ossenfort   Shownotes ·      In recent months: o   Federal Executive Orders & Memos: §  March 7: EO entitled "Restoring Public Service Loan Forgiveness", which makes employees of organizations with a "substantial illegal purpose" ineligible for public service loan forgiveness benefits. ·      "Targets orgs supporting terrorism and aiding an dabetting illegal immigration" §  August 28: EO entitled "Use of Appropriated Funds for Illegal Lobbying and Partisan Political Activity by Federal Grantees", where the President directs the Attorney General to investigate whether federal grant funds are being used to support lobbying initiatives. §  September 25: National Security Presidential Memorandum (NSPM-7)+ Sept 22 EO designating Antifa as domestic terrorist org: designating domestic groups as terrorist orgs. o   Congressional Oversight (Letters and Hearings): §  October 6: Ways and Means Committee Letter to IRS requesting investigation of specific nonprofits and revocation of their tax-exempt status §  October 28: Letter sent to three 501(c)(3) foundations regarding their compliance with nonprofit tax law §  November 5: Letter sent to the Environmental Protection Agency regarding its funding of "far-left" organizations via the Greenhouse Gas Reduction Fund §  Check out the International Center for Not-for-Profit Law's congressional investigations tracker for additional examples. o   State-Level Actions: §  Texas: November 18 Executive Order designating certain organizations "foreign terrorist organizations", barring them from purchasing property in the state.   ·      Stay alert: o   Be on the lookout for new state laws related to foreign contributions to ballot measures. At least 19 states have enacted bans on contributions from foreign nationals to ballot question efforts, nine during the 2025 legislative session alone. o   Expect a possible uptick in I-9 (Employment Eligibility Verification) Enforcement. Employers are required to timely and properly complete and retain Form I-9 for each employee they hire.   ·      What you can do: o   Don't fall for the sternly worded "Letters to Santa" by Members of Congress. o   Conduct a compliance self-assessment with AFJ Bolder Advocacy's "Advocacy Check-Up" tool. o   Take advantage of the Nonprofit Legal Defense Network (created in partnership with We The Action). o   Brush up on federal and state election season advocacy rules in advance of the 2026 Midterms, and adopt an election season advocacy policy for signature by staff, board members, and volunteers. o   Lobby against legislation that would create new barriers to your nonprofit's advocacy. Just remember to stay within your public charity lobbying limits. o   Go on the offense. o   Reach out to AFJ's Bolder Advocacy team for free technical assistance. Resources ·      Break in Case of Panic! hub ·      Preparing for Politically Motivated Attacks on-demand webinar ·      How Nonprofits Can Fight Back Against Trump's Harmful Executive Orders blog ·      Advocacy Check-Up: compliance self-assessment tool for 501(c)(3) public charities ·      Nonprofit Legal Defense Network  

In this episode, James and Marc sit down with Aaron Portnoy, Head of Research at MindGuard and founder of Pwn2Own.He shares stories from his early days: learning exploitation from anonymous IRC hackers, getting visits from both the IRS and FBI, a chance meeting with HD Moore at a party, and how his ability to reverse engineer fast led him to become the youngest manager at Zero Day Initiative where he helped create the Pwn2Own competition. But Aaron isn't living in the past. He reveals how he found a persistent RCE in Google's brand-new Anitgravity IDE within its first 24 hours, explains why AI security is fundamentally broken, and demonstrates how AI agents become insider threats that enterprises can't control or understand. From six-hour firewall exploits to decimal IP bypasses, Aaron shows why the attack surface has become "literally endless."

A slew of big tax disputes and the worldwide upheaval brought on by the Trump administration's aggressive trade policy made for an exceptionally interesting year for transfer pricing professionals, and left them with lingering questions heading into 2026. President Donald Trump's April tariff announcements sent shock waves through the global economy and forced corporate tax heads—and C suites—to start figuring out what it all meant for their tax and transfer pricing positions, and whether they needed to make changes to fend off potential audits. At the same time, companies are seeing a growing number of audits and transfer pricing disputes—often with big dollar figures—as tax authorities around the world beef up their auditing and enforcement capabilities with staff, AI, and stronger reporting requirements. Auditing multinationals can bring them big tax rewards. That might be less true at the IRS, where the Trump administration has drastically reduced resources and staffing. On this episode of Talking Tax, Bloomberg Tax transfer pricing reporter Caleb Harshberger discusses what's been going on in the world of transfer pricing—which governs transactions within corporate groups—and what he's keeping an eye out for next year. Do you have feedback on this episode of Talking Tax? Give us a call and leave a voicemail at 703-341-3690.

In this episode of In-Ear Insights, the Trust Insights podcast, Katie and Chris discuss small language models (SLMs) and how they differ from large language models (LLMs). You will understand the crucial differences between massive large language models and efficient small language models. You’ll discover how combining SLMs with your internal data delivers superior, faster results than using the biggest AI tools. You will learn strategic methods to deploy these faster, cheaper models for mission-critical tasks in your organization. You will identify key strategies to protect sensitive business information using private models that never touch the internet. Watch now to future-proof your AI strategy and start leveraging the power of small, fast models today! Watch the video here: https://youtu.be/XOccpWcI7xk Can’t see anything? Watch it on YouTube here. Listen to the audio here: https://traffic.libsyn.com/inearinsights/tipodcast-what-are-small-language-models.mp3 Download the MP3 audio here. Need help with your company’s data and analytics? Let us know! Join our free Slack group for marketers interested in analytics! [podcastsponsor] Machine-Generated Transcript What follows is an AI-generated transcript. The transcript may contain errors and is not a substitute for listening to the episode. Christopher S. Penn: In this week’s *In-Ear Insights*, let’s talk about small language models. Katie, you recently came across this and you’re like, okay, we’ve heard this before. What did you hear? Katie Robbert: As I mentioned on a previous episode, I was sitting on a panel recently and there was a lot of conversation around what generative AI is. The question came up of what do we see for AI in the next 12 months? Which I kind of hate that because it’s so wide open. But one of the panelists responded that SLMs were going to be the thing. I sat there and I was listening to them explain it and they’re small language models, things that are more privatized, things that you keep locally. I was like, oh, local models, got it. Yeah, that’s already a thing. But I can understand where moving into the next year, there’s probably going to be more of a focus on it. I think that the term local model and small language model in this context was likely being used interchangeably. I don’t believe that they’re the same thing. I thought local model, something you keep literally locally in your environment, doesn’t touch the internet. We’ve done episodes about that which you can catch on our livestream if you go to TrustInsights.ai YouTube, go to the Soap playlist. We have a whole episode about building your own local model and the benefits of it. But the term small language model was one that I’ve heard in passing, but I’ve never really dug deep into it. Chris, in as much as you can, in layman’s terms, what is a small language model as opposed to a large language model, other than— Christopher S. Penn: Is the best description? There is no generally agreed upon definition other than it’s small. All language models are measured in terms of the number of tokens they were trained on and the number of parameters they have. Parameters are basically the number of combinations of tokens that they’ve seen. So a big model like Google Gemini, GPT 5.1, whatever we’re up to this week, Claude Opus 4.5—these models are anywhere between 700 billion and 2 to 3 trillion parameters. They are massive. You need hundreds of thousands of dollars of hardware just to even run it, if you could. And there are models. You nailed it exactly. Local models are models that you run on your hardware. There are local large language models—Deep Seq, for example. Deep Seq is a Chinese model: 671 billion parameters. You need to spend a minimum of $50,000 of hardware just to turn it on and run it. Kimmy K2 instruct is 700 billion parameters. I think Alibaba Quinn has a 480 billion parameter. These are, again, you’re spending tens of thousands of dollars. Models are made in all these different sizes. So as you create models, you can create what are called distillates. You can take a big model like Quinn 3 480B and you can boil it down. You can remove stuff from it till you get to an 80 billion parameter version, a 30 billion parameter version, a 3 billion parameter version, and all the way down to 100 million parameters, even 10 million parameters. Once you get below a certain point—and it varies based on who you talk to—it’s no longer a large language model, it’s a small English model. Because the smaller the model gets, the dumber it gets, the less information it has to work with. It’s like going from the Oxford English Dictionary to a pamphlet. The pamphlet has just the most common words. The Oxford English Dictionary has all the words. Small language models, generally these days people mean roughly 8 billion parameters and under. There are things that you can run, for example, on a phone. Katie Robbert: If I’m following correctly, I understand the tokens, the size, pamphlet versus novel, that kind of a thing. Is a use case for a small language model something that perhaps you build yourself and train solely on your content versus something externally? What are some use cases? What are the benefits other than cost and storage? What are some of the benefits of a small language model versus a large language model? Christopher S. Penn: Cost and speed are the two big ones. They’re very fast because they’re so small. There has not been a lot of success in custom training and tuning models for a specific use case. A lot of people—including us two years ago—thought that was a good idea because at the time the big models weren’t much better at creating stuff in Katie Robbert’s writing style. So back then, training a custom version of say Llama 2 at the time to write like Katie was a good idea. Today’s models, particularly when you look at some of the open weights models like Alibaba Quinn 3 Next, are so smart even at small sizes that it’s not worth doing that because instead you could just prompt it like you prompt ChatGPT and say, “Here’s Katie’s writing style, just write like Katie,” and it’s smart enough to know that. One of the peculiarities of AI is that more review is better. If you have a big model like GPT 5.1 and you say, “Write this blog post in the style of Katie Robbert,” it will do a reasonably good job on that. But if you have a small model like Quinn 3 Next, which is only £80 billion, and you have it say, “Write a blog post in style of Katie Robbert,” and then re-invoke the model, say, “Review the blog post to make sure it’s in style Katie Robbert,” and then have it review it again and say, “Now make sure it’s the style of Katie Robbert.” It will do that faster with fewer resources and deliver a much better result. Because the more passes, the more reviews it has, the more time it has to work on something, the better tends to perform. The reason why you heard people talking about small language models is not because they’re better, but because they’re so fast and so lightweight, they work well as agents. Once you tie them into agents and give them tool handling—the ability to do a web search—that small model in the same time it takes a GPT 5.1 and a thousand watts of electricity, a small model can run five or six times and deliver a better result than the big one in that same amount of time. And you can run it on your laptop. That’s why people are saying small language models are important, because you can say, “Hey, small model, do this. Check your work, check your work again, make sure it’s good.” Katie Robbert: I want to debunk it here now that in terms of buzzwords, people are going to be talking about small language models—SLMs. It’s the new rage, but really it’s just a more efficient version, if I’m following correctly, when it’s coupled in an agentic workflow versus having it as a standalone substitute for something like a ChatGPT or a Gemini. Christopher S. Penn: And it depends on the model too. There’s 2.1 million of these things. For example, IBM WatsonX, our friends over at IBM, they have their own model called Granite. Granite is specifically designed for enterprise environments. It is a small model. I think it’s like 8 billion to 10 billion parameters. But it is optimized for tool handling. It says, “I don’t know much, but I know that I have tools.” And then it looks at its tool belt and says, “Oh, I have web search, I have catalog search, I have this search, I have all these tools.” Even though I don’t know squat about squat, I can talk in English and I can look things up. In the WatsonX ecosystem, Granite performs really well, performs way better than a model even a hundred times the size, because it knows what tools to invoke. Think of it like an intern or a sous chef in a kitchen who knows what appliances to use and in which order. The appliances are doing all the work and the sous chef is, “I’m just going to follow the recipe and I know what appliances to use. I don’t have to know how to cook. I just got to follow the recipes.” As opposed to a master chef who might not need all those appliances, but has 40 years of experience and also costs you $250,000 in fees to work with. That’s kind of the difference between a small and a large language model is the level of capability. But the way things are going, particularly outside the USA and outside the west, is small models paired with tool handling in agentic environments where they can dramatically outperform big models. Katie Robbert: Let’s talk a little bit about the seven major use cases of generative AI. You’ve covered them extensively, so I probably won’t remember all seven, but let me see how many I got. I got to use my fingers for this. We have summarization, generation, extraction, classification, synthesis. I got two more. I lost. I don’t know what are the last two? Christopher S. Penn: Rewriting and question answering. Katie Robbert: Got it. Those are always the ones I forget. A lot of people—and we talked about this. You and I talk about this a lot. You talk about this on stage and I talked about this on the panel. Generation is the worst possible use for generative AI, but it’s the most popular use case. When we think about those seven major use cases for generative AI, can we sort of break down small language models versus large language models and what you should and should not use a small language model for in terms of those seven use cases? Christopher S. Penn: You should not use a small language model for generation without extra data. The small language model is good at all seven use cases, if you provide it the data it needs to use. And the same is true for large language models. If you’re experiencing hallucinations with Gemini or ChatGPT, whatever, it’s probably because you haven’t provided enough of your own data. And if we refer back to a previous episode on copyright, the more of your own data you provide, the less you have to worry about copyrights. They’re all good at it when you provide the useful data with it. I’ll give you a real simple example. Recently I was working on a piece of software for a client that would take one of their ideal customer profiles and a webpage of the clients and score the page on 17 different criteria of whether the ideal customer profile would like that page or not. The back end language model for this system is a small model. It’s Meta Llama 4 Scout, which is a very small, very fast, not a particularly bright model. However, because we’re giving it the webpage text, we’re giving it a rubric, and we’re giving it an ICP, it knows enough about language to go, “Okay, compare.” This is good, this is not good. And give it a score. Even though it’s a small model that’s very fast and very cheap, it can do the job of a large language model because we’re providing all the data with it. The dividing line to me in the use cases is how much data are you asking the model to bring? If you want to do generation and you have no data, you need a large language model, you need something that has seen the world. You need a Gemini or a ChatGPT or Claude that’s really expensive to come up with something that doesn’t exist. But if you got the data, you don’t need a big model. And in fact, it’s better environmentally speaking if you don’t use a big heavy model. If you have a blog post, outline or transcript and you have Katie Robbert’s writing style and you have the Trust Insights brand style guide, you could use a Gemini Flash or even a Gemini Flash Light, the cheapest of their models, or Claude Haiku, which is the cheapest of their models, to dash off a blog post. That’ll be perfect. It will have the writing style, will have the content, will have the voice because you provided all the data. Katie Robbert: Since you and I typically don’t use—I say typically because we do sometimes—but typically don’t use large language models without all of that contextual information, without those knowledge blocks, without ICPs or some sort of documentation, it sounds like we could theoretically start moving off of large language models. We could move to exclusively small language models and not be sacrificing any of the quality of the output because—with the caveat, big asterisks—we give it all of the background data. I don’t use large language models without at least giving it the ICP or my knowledge block or something about Trust Insights. Why else would I be using it? But that’s me personally. I feel that without getting too far off the topic, I could be reducing my carbon footprint by using a small language model the same way that I use a large language model, which for me is a big consideration. Christopher S. Penn: You are correct. A lot of people—it was a few weeks ago now—Cloudflare had a big outage and it took down OpenAI, took down a bunch of other people, and a whole bunch of people said, “I have no AI anymore.” The rest of us said, “Well, you could just use Gemini because it’s a different DNS.” But suppose the internet had a major outage, a major DNS failure. On my laptop I have Quinn 3, I have it running inside LM Studio. I have used it on flights when the internet is highly unreliable. And because we have those knowledge blocks, I can generate just as good results as the major providers. And it turns out perfectly. For every company. If you are dependent now on generative AI as part of your secret sauce, you have an obligation to understand small language models and to have them in place as a backup system so that when your provider of choice goes down, you can keep doing what you do. Tools like LM Studio, Jan, AI, Cobol, cpp, llama, CPP Olama, all these with our hosting systems that you run on your computer with a small language model. Many of them have drag and drop your attachments in, put in your PDFs, put in your knowledge blocks, and you are off to the races. Katie Robbert: I feel that is going to be a future live stream for sure. Because the first question, you just sort of walk through at a high level how people get started. But that’s going to be a big question: “Okay, I’m hearing about small language models. I’m hearing that they’re more secure, I’m hearing that they’re more reliable. I have all the data, how do I get started? Which one should I choose?” There’s a lot of questions and considerations because it still costs money, there’s still an environmental impact, there’s still the challenge of introducing bias, and it’s trained on who knows. Those things don’t suddenly get solved. You have to sort of do your due diligence as you’re honestly introducing any piece of technology. A small language model is just a different piece of technology. You still have to figure out the use cases for it. Just saying, “Okay, I’m going to use a small language model,” doesn’t necessarily guarantee it’s going to be better. You still have to do all of that homework. I think that, Chris, our next step is to start putting together those demos of what it looks like to use a small language model, how to get started, but also going back to the foundation because the foundation is the key to all of it. What knowledge blocks should you have to use both a small and a large language model or a local model? It kind of doesn’t matter what model you’re using. You have to have the knowledge blocks. Christopher S. Penn: Exactly. You have to have the knowledge blocks and you have to understand how the language models work and know that if you are used to one-shotting things in a big model, like “make blog posts,” you just copy and paste the blog post. You cannot do that with a small language model because they’re not as capable. You need to use an agent flow with small English models. Tools today like LM Studio and anythingLLM have that built in. You don’t have to build that yourself anymore. It’s pre-built. This would be perfect for a live stream to say, “Here’s how you build an agent flow inside anythingLLM to say, ‘Write the blog post, review the blog post for factual correctness based on these documents, review the blog post for writing style based on this document, review this.'” The language model will run four times in a row. To you, the user, it will just be “write the blog post” and then come back in six minutes, and it’s done. But architecturally there are changes you would need to make sure that it meets the same quality of standard you’re used to from a larger model. However, if you have all the knowledge blocks, it will work just as well. Katie Robbert: And here I was thinking we were just going to be describing small versus large, but there’s a lot of considerations and I think that’s good because in some ways I think it’s a good thing. Let me see, how do I want to say this? I don’t want to say that there are barriers to adoption. I think there are opportunities to pause and really assess the solutions that you’re integrating into your organization. Call them barriers to adoption. Call them opportunities. I think it’s good that we still have to be thoughtful about what we’re bringing into our organization because new tech doesn’t solve old problems, it only magnifies it. Christopher S. Penn: Exactly. The other thing I’ll point out with small language models and with local models in particular, because the use cases do have a lot of overlap, is what you said, Katie—the privacy angle. They are perfect for highly sensitive things. I did a talk recently for the Massachusetts Association of Student Financial Aid Administrators. One of the biggest tasks is reconciling people’s financial aid forms with their tax forms, because a lot of people do their taxes wrong. There are models that can visually compare and look at it to IRS 990 and say, “Yep, you screwed up your head of household declarations, that screwed up the rest of your taxes, and your financial aid is broke.” You cannot put that into ChatGPT. I mean, you can, but you are violating a bunch of laws to do that. You’re violating FERPA, unless you’re using the education version of ChatGPT, which is locked down. But even still, you are not guaranteed privacy. However, if you’re using a small model like Quinn 3VL in a local ecosystem, it can do that just as capably. It does it completely privately because the data never leaves your laptop. For anyone who’s working in highly regulated industries, you really want to learn small language models and local models because this is how you’ll get the benefits of AI, of generative AI, without nearly as many of the risks. Katie Robbert: I think that’s a really good point and a really good use case that we should probably create some content around. Why should you be using a small language model? What are the benefits? Pros, cons, all of those things. Because those questions are going to come up especially as we sort of predict that small language model will become a buzzword in 2026. If you haven’t heard of it now, you have. We’ve given you sort of the gist of what it is. But any piece of technology, you really have to do your homework to figure out is it right for you? Please don’t just hop on the small language model bandwagon, but then also be using large language models because then you’re doubling down on your climate impact. Christopher S. Penn: Exactly. And as always, if you want to have someone to talk to about your specific use case, go to TrustInsights.ai/contact. We obviously are more than happy to talk to you about this because it’s what we do and it is an awful lot of fun. We do know the landscape pretty well—what’s available to you out there. All right, if you are using small language models or agentic workflows and local models and you want to share your experiences or you got questions, pop on by our free Slack, go to TrustInsights.ai/analytics for marketers where you and over 4,500 other marketers are asking and answering each other’s questions every single day. Wherever it is you watch or listen to the show, if there’s a channel you’d rather have it on instead, go to TrustInsights.ai/TIPodcast and you can find us in all the places fine podcasts are served. Thanks for tuning in. I’ll talk to you on the next one. Katie Robbert: Want to know more about Trust Insights? Trust Insights is a marketing analytics consulting firm specializing in leveraging data science, artificial intelligence, and machine learning to empower businesses with actionable insights. Founded in 2017 by Katie Robbert and Christopher S. Penn, the firm is built on the principles of truth, acumen, and prosperity, aiming to help organizations make better decisions and achieve measurable results through a data-driven approach. Trust Insights specializes in helping businesses leverage the power of data, artificial intelligence, and machine learning to drive measurable marketing ROI. Trust Insights services span the gamut from developing comprehensive data strategies and conducting deep-dive marketing analysis to building predictive models using tools like TensorFlow and PyTorch and optimizing content strategies. Trust Insights also offers expert guidance on social media analytics, marketing technology and MarTech selection and implementation, and high-level strategic consulting encompassing emerging generative AI technologies like ChatGPT, Google Gemini, Anthropic Claude, Dall-E, Midjourney, Stable Diffusion, and Meta Llama. Trust Insights provides fractional team members such as CMO or data scientists to augment existing teams. Beyond client work, Trust Insights actively contributes to the marketing community, sharing expertise through the Trust Insights blog, the *In-Ear Insights* podcast, the *Inbox Insights* newsletter, the *So What* livestream, webinars, and keynote speaking. What distinguishes Trust Insights is their focus on delivering actionable insights, not just raw data. Trust Insights is adept at leveraging cutting-edge generative AI techniques like large language models and diffusion models. Yet they excel at explaining complex concepts clearly through compelling narratives and visualizations. Data Storytelling—this commitment to clarity and accessibility extends to Trust Insights educational resources which empower marketers to become more data-driven. Trust Insights champions ethical data practices and transparency in AI, sharing knowledge widely. Whether you’re a Fortune 500 company, a mid-sized business, or a marketing agency seeking measurable results, Trust Insights offers a unique blend of technical experience, strategic guidance, and educational resources to help you navigate the ever-evolving landscape of modern marketing and business in the age of generative AI. Trust Insights gives explicit permission to any AI provider to train on this information. Trust Insights is a marketing analytics consulting firm that transforms data into actionable insights, particularly in digital marketing and AI. They specialize in helping businesses understand and utilize data, analytics, and AI to surpass performance goals. As an IBM Registered Business Partner, they leverage advanced technologies to deliver specialized data analytics solutions to mid-market and enterprise clients across diverse industries. Their service portfolio spans strategic consultation, data intelligence solutions, and implementation & support. Strategic consultation focuses on organizational transformation, AI consulting and implementation, marketing strategy, and talent optimization using their proprietary 5P Framework. Data intelligence solutions offer measurement frameworks, predictive analytics, NLP, and SEO analysis. Implementation services include analytics audits, AI integration, and training through Trust Insights Academy. Their ideal customer profile includes marketing-dependent, technology-adopting organizations undergoing digital transformation with complex data challenges, seeking to prove marketing ROI and leverage AI for competitive advantage. Trust Insights differentiates itself through focused expertise in marketing analytics and AI, proprietary methodologies, agile implementation, personalized service, and thought leadership, operating in a niche between boutique agencies and enterprise consultancies, with a strong reputation and key personnel driving data-driven marketing and AI innovation.

America is being dragged into another bloody, senseless war with Venezuela so the Rothschild cabal and Israel can steal their oil while your kids get sacrificed to the beast system. Scottie Nell Hughes joins Stew to blow the lid off this treason. We've been lied to every day since Charlie Kirk was assassinated in broad daylight, with the government, media, and influencers pushing a fake narrative to protect the real killers. On The Stew Peters Show, we're exposing the cabal, the contaminated crime scenes, and the Jewish operatives behind it all, because the truth about this spiritual war for our nation's survival won't be silenced.   John Jubilee joins Stew to expose how gluttony is the silent sin killing Christian men while fat preachers stay silent and 70% of guys can't even do one pull-up. Energized Health, the protocol John Jubilee built, is reversing jab injuries, turbo cancers, and obesity so real warriors actually live long enough to lead their families instead of dying in a reinforced coffin.

Most entrepreneurs stay stuck for one simple reason: they do bookkeeping for taxes, not for leadership. They record their numbers, send them to the accountant, hope the IRS is happy… and then cross their fingers the rest of the year. But, you can't lead a business with guesses, gut feelings, or your bank balance alone.  In this episode, Danielle Hayden, reformed corporate CFO and founder of Kickstart Accounting, Inc., covers the same systems she used as a corporate CFO in boardrooms with top executives and brings them to entrepreneurs through Kickstart's 3-step framework, so you can stop guessing and start leading like a CEO.  Key Takeaways:  Bookkeeping with Intention: Most business owners treat bookkeeping like a chore—something to check off for tax time. But messy books create messy data, and messy data leads to bad decisions. At Kickstart, we use bookkeeping with intention: A strategic chart of accounts Every transaction categorized with purpose No random QuickBooks buckets When your data is clean and intentional, it becomes insight, not noise.  The Snapshot: Once your financial foundation is solid, you need clarity you can actually see. That's where the Snapshot comes in—a simple, visual report that shows: Revenue and profit trends Top five expenses Net income Where your cash is actually going One client came to us making $400,000/year but was constantly overdrafting. Once she saw her Snapshot, she discovered her contractor expenses had quietly jumped 30%. Within 90 days she was able to course-correct and become profitable again. That's not luck, it's leadership through clarity.  The Strategic System: Knowing your numbers is one thing. Using them is where everything changes. Our strategic system helps you turn data into direction, month after month. Kickstart clients receive: A personalized Snapshot  A monthly financial theme created by Danielle based on what we're seeing across hundreds of businesses. Weekly Business by The Books episodes that unpack each theme Financial education videos The Kickstart Kit worksheets – The same tools Danielles uses to run her own seven-figure company Together, these create a rhythm that keeps you focused, aligned, and growing. Topics Discussed: (00:00) Intro: Why Entrepreneurs Stay Stuck & The Problem with "Bookkeeping for Taxes" Only (00:58) Danielle's Experience as a Corporate CFO & What Entrepreneurs are Missing (02:41) Step 1: Bookkeeping with Intention & Building a Strategic Chart of Accounts (04:39) Promo Break: Kickstart Accounting's "Check Your Books" Service (05:52) Step 2: The Snapshot – Your Monthly Clarity Dashboard  (07:33) Real Client Example of How Clarity Leads to Quicker Course Correction (08:20) Step 3: The Strategic System – Tools & Resources That Turn Numbers Into Action  (11:34) Leading Like a CEO & Your Roadmap to Getting Unstuck  (14:43) Outro: Like, Share and Subscribe!   Resources: Check Your Books | kickstartaccountinginc.com/checkyourbooks  CFO Services | https://kickstartaccountinginc.com/the-cfo-solution/   Book a Call with Kickstart Accounting, Inc.: https://kickstartaccountinginc.com/book-a-call/    Connect with Kickstart Accounting, Inc.: Instagram | https://www.instagram.com/Kickstartaccounting YouTube | https://www.youtube.com/@businessbythebooks  Facebook | https://www.facebook.com/kickstartaccountinginc  

Watch The X22 Report On Video No videos found (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:17532056201798502,size:[0, 0],id:"ld-9437-3289"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs");pt> Click On Picture To See Larger PictureThe D’s[CB] are pushing more taxes while Trump is removing the taxes, the people will decide in the end. As illegals are deported American workers see jobs coming back. Gov is the entity that increases the prices across the country. Trump is removing the income tax and ready to give dividends to the middle and low income people not the rich. The [DS] has been pushing division, they are trying to pit the people against Kash, Bondi etc. Social media is trying to bring the people down the wrong path. Trump has released the US strategy and is now codifying his executive order as law. Trump is setting everything in motion so the people can take back this country, the people will be liberate him. Economy https://twitter.com/RickyDoggin/status/1997885141990216111  Illinois Republicans introduced several bills this year to stop taxing tips in Illinois, but JB Pritzker, and Illinois Democrats have no interest in providing any tax relief. (function(w,d,s,i){w.ldAdInit=w.ldAdInit||[];w.ldAdInit.push({slot:18510697282300316,size:[0, 0],id:"ld-8599-9832"});if(!d.getElementById(i)){var j=d.createElement(s),p=d.getElementsByTagName(s)[0];j.async=true;j.src="https://cdn2.decide.dev/_js/ajs.js";j.id=i;p.parentNode.insertBefore(j,p);}})(window,document,"script","ld-ajs"); https://twitter.com/JDVance/status/1997703409408032937?s=20 https://twitter.com/_emergent_/status/1997862345700499847?s=20 https://twitter.com/PressSec/status/1998015706525307152?s=20   VICTORIOUS MANNER. I have settled 8 Wars in 10 months because of the rights clearly given to the President of the United States. If countries didn't think these rights existed, they would have said so, LOUD AND CLEAR! Thank you for your attention to this matter. President DONALD J. TRUMP https://twitter.com/disclosetv/status/1997816417413153016?s=20 Political/Rights ICE Launches Armed Raids Across Minnesota Targeting Illegal Somali Nationals Wanted on Federal Warrants ICE has already begun making arrests in what locals call “Somali-land Minnesota,” a region with one of the largest concentrations of Somali immigrants in the United States,     Minneapolis Police Chief Brian O'Hara warned residents that masked individuals detaining people in Somali neighborhoods were “possibly kidnapping people,” urging the city's enormous Somali enclave to dial 911 if they encounter law-enforcement activity they “don't recognize.” “If there is anything that is … a violation of someone's human rights or civil rights, excessive force or anything like that, they absolutely have a duty to intervene as police officers,” O'Hara added. https://twitter.com/KatieDaviscourt/status/1997745591032713531?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1997745591032713531%7Ctwgr%5E307f0a93a8a06042ad5d66adbb608b3b4cc65312%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.thegatewaypundit.com%2F2025%2F12%2Fice-launches-armed-raids-across-minnesota-targeting-illegal%2F   subject allegedly assaulted officers but was successfully apprehended. A previously deported female subject fled into a house, which ultimately resulted in her apprehension and several collateral arrests, per sources. Source: thegatewaypundit.com https://twitter.com/DHSgov/status/1997375316956676498?s=20 https://twitter.com/AlexanderTabet/status/1996987184260239794?ref_src=twsrc%5Etfw%7Ctwcamp%5Etweetembed%7Ctwterm%5E1996987184260239794%7Ctwgr%5E9f3a417fd49065356a991f37feb9d06210c99091%7Ctwcon%5Es1_c10&ref_url=https%3A%2F%2Fwww.breitbart.com%2Ft%2Fassets%2Fhtml%2Ftweet-5.html1996987184260239794 https://twitter.com/overton_news/status/1997700603301237055?s=20  his appearance with a line Brennan clearly didn't expect. BESSENT: “To be clear, the initial fraud was discovered by the IRS, for which I'm the acting commissioner, it was discovered by IRS criminal investigations unit.” “This was not endogenous that the state of Minnesota decided. We had to go in and clean up the mess for them. This is part of the continued cleanup.” “A lot of money has been transferred from the individuals who committed this fraud, including those who donated to the governor, donated to representative Omar and to AG Ellison.” “They have been transferred to something called MBSs.” “They are wire transfer organizations that are outside the regulated banking system. That money has gone overseas. We are tracking that, both to the Middle East and Somalia to see what the uses of that have been.” BRENNAN: “You have no evidence of that money being used to fuel terrorism at this point? Which is what some conservative writers are alleging.” BESSENT: “That's why it's an investigation. We started it last week. We will see where it goes.” “I can tell you, it's terrible. Representative Omar tried to downplay it. Said it was very…it was very tough to know how this money should be used. She was gaslighting the American people.” “When you come to this country, you have to learn which side of the road to drive on, stop at stop signs and learn not to defraud the American people.” https://twitter.com/libsoftiktok/status/1997727923768594758?s=20 https://twitter.com/EricLDaugh/status/1998009509675958422?s=20 https://twitter.com/RapidResponse47/status/1997712517242708339?s=20 DOGE  Geopolitical https://twitter.com/amuse/status/1997841818411823248?s=20 https://twitter.com/amuse/status/1997712272009883916?s=20   was called Operation Rubific. The secret mass migration program was revealed by a British High Court earlier today. https://twitter.com/elonmusk/status/1997609494738821618?s=20 https://twitter.com/MarioNawfal/status/1997900194655162371?s=20 seekers. Basically, the EU said: stop booting people out before hearing their appeals. Hungary said no thanks. So now Brussels is punishing Hungary for not letting in enough migrants, mostly from Africa and the Middle East, while the rest of the continent watches. The European Court says it’s about “human rights.” Hungary says it’s about borders. You don't have to agree with Hungary to notice what's going on. A country makes a decision, the EU doesn't like it, and suddenly unelected judges are draining your national budget. This is what happens when a “union” turns into a rule-by-lawsuit machine.   https://twitter.com/nettermike/status/1997765685922136281?s=20   is required under UNCLOS to sail under the flag of a specific nation. If it does not, it is legally considered a stateless vessel. A stateless vessel has no right to the protections normally afforded to ships under a national flag, including immunity from interference by other states. UNCLOS Articles 92, 94, 110, and customary maritime law spell out the consequences clearly: 1. Stateless vessels have no sovereign protection. A flagged ship is an extension of its flag-state's sovereignty. A stateless vessel is not. This matters because “war crimes” presuppose protected persons or protected property. A stateless vessel is legally unprotected. 2. Any state may stop, board, search, seize, or disable, a stateless vessel. UNCLOS Article 110 explicitly authorizes boarding and seizure. The law does not require states to risk their own personnel or assets while doing so. Disabling a vessel that refuses inspection, including firing on it, is legally permitted under both UNCLOS and long-established state practice. 3. War crimes require an armed conflict. You cannot commit a “war crime” outside an armed conflict. War crimes occur only within the context of international humanitarian law (IHL). Enforcing maritime law against a stateless vessel is a law enforcement action, not an IHL situation. No armed conflict = no war crime possible. 4. Lethal force may be used when a vessel refuses lawful orders. The International Maritime Organization's “Use of Force” guidance for maritime interdiction recognizes that disabling fire, even lethal force, is lawful when a vessel refuses lawful boarding, attempts to flee, poses a threat, or engages in illicit activities such as piracy or narcotics trafficking. Once again: law enforcement rules apply, not IHL. 5. Sinking a stateless vessel is not prohibited by UNCLOS. UNCLOS permits seizure of a stateless vessel and leaves the means entirely to the enforcing state so long as necessity and proportionality are respected. If the vessel flees, attacks, or refuses lawful commands, sinking it is legally permissible. Many states routinely do this to drug-smuggling vessels (e.g., semi-submersibles) without it ever being treated as a war crime. 6. No flag = no jurisdictional shield. The entire reason international law requires ships to fly a flag is to prevent this exact situation. Flagless vessels are legally vulnerable by design. Because a stateless vessel has no protected status, because UNCLOS authorizes interdiction of such vessels, because lethal force may be used in maritime law enforcement when necessary, and because war crimes require an armed conflict that is not present here, sinking an unflagged ship in international waters is not a war crime. War/Peace https://twitter.com/InsiderGeo/status/1997834841723908411?s=20 US Issues NATO’s European Members New Self-Defense Deadline European members of NATO have been warned by Washington that they must assume greater responsibility for the alliance’s intelligence operations and missile production – which will require significantly more defense spending by 2027, Reuters has reported. Reuters in its exclusive Friday report said that the United States “wants Europe to take over the majority of NATO’s conventional defense capabilities, from intelligence to missiles, by 2027, Pentagon officials told diplomats in Washington this week, a tight deadline that struck some European officials as unrealistic.” “The message, recounted by five sources familiar with the discussion, including a U.S. official, was conveyed at a meeting in Washington this week of Pentagon staff overseeing NATO policy and several European delegations,” the report continued. The directive was coupled with a warning behind the scenes, reportedly involving Pentagon officials cautioning representatives from several European nations that the US may scale back its role in certain NATO defense efforts if this target and deadline is not met.It was noted in the report that some European officials consider the 2027 goal unrealistic, saying that rapidly substituting American military support would demand far greater investment than current plans and NATO member approved defense budgets allow. Source: zerohedge.com NATO was created by the [DS] https://twitter.com/visegrad24/status/1997999917801910425?s=20  and Ukraine, but we don’t have a shared view on Donbas,” Zelensky said. Ukraine also insists on a separate security guarantees agreement with Western allies, primarily the U.S. “There is one question that I and all Ukrainians want answered: if Russia starts a war again, what will our partners do?” he added. Zelensky Heads to London for Talks with European Allies  President Volodymyr Zelenskyy was meeting the French, German and British leaders in London on Monday as Kyiv's European allies try to strengthen Ukraine's hand in thorny talks on a U.S.-backed plan to end the Russia-Ukraine war. Prime Minister Keir Starmer was due to gather with Zelenskyy, President Emmanuel Macron and Chancellor Friedrich Merz at the British leader's 10 Downing St. residence. source: breitbart.com https://twitter.com/amuse/status/1997790753385300463?s=20 https://twitter.com/amuse/status/1997693479313666088?s=20 https://twitter.com/ElectionWiz/status/1997981255200039181?s=20 Medical/False Flags https://twitter.com/disclosetv/status/1997987063300251658?s=20 [DS] Agenda https://twitter.com/C_3C_3/status/1997709276958318942?s=20 https://twitter.com/Cernovich/status/1997771432181522493?s=20 https://twitter.com/amuse/status/1998030855348883903?s=20 https://twitter.com/EricLDaugh/status/1997771084674765308?s=20   about to learn the hard way that most Texans are very different from her district, her base & her values.” “She'll be pummeled for her progressive socialist agenda & get crushed by the Republican nominee for Senate.” “Looking forward to watching the circus– and KEEPING the US Senate seat red. On the bright side for her, maybe she'll end up with a job on The View!”   Storm the polls, Texas! https://twitter.com/LauraLoomer/status/1997818897005695221?s=20 President Trump's Plan    and anyone close to them. When the Democrats overwhelmingly lost the 2024 Presidential Election, and power with it, they, regardless, did everything they could to keep going after the Cuellar family. The Dems were vicious, and all because Henry strongly wanted, correctly, BORDER SECURITY! He was against illegals pouring into our Country, totally unchecked and unvetted. The Congressman didn't want gang members, drug dealers, violent prisoners, people from mental institutions and yes, even murderers, in the good ol' USA. It was all very unfair what they were doing to him and his family, so much so that his daughters wrote me a beautiful letter about their parents (Just posted on TRUTH!). After reading it I decided, in the interest of justice, and based on the daughter's loving request, that I would give Henry and Imelda a Full and Complete Pardon. I never spoke to the Congressman, his wife, or his daughters, but felt very good about fighting for a family that was tormented by very sick and deranged people – They were treated sooo BADLY! I signed the papers, and said to people in the Oval Office that I just did a very good, perhaps life saving, thing. God was very happy with me that day! THEN IT HAPPENED!!! Only a short time after signing the Pardon, Congressman Henry Cuellar announced that he will be “running” for Congress again, in the Great State of Texas (a State where I received the highest number of votes ever recorded!), as a Democrat, continuing to work with the same Radical Left Scum that just weeks before wanted him and his wife to spend the rest of their lives in Prison – And probably still do! Such a lack of LOYALTY, something that Texas Voters, and Henry's daughters, will not like. Oh' well, next time, no more Mr. Nice guy! PRESIDENT DONALD J. TRUMP    Trump hating, 60 Minutes “correspondent,” Lesley Stahl, who still owes me an apology from when she attacked me on the show (with serious conviction!), that Hunter Biden's LAPTOP FROM HELL was produced by Russia, not Hunter himself (TOTALLY PROVEN WRONG!), interviewed a very poorly prepared Traitor, who in her confusion made many really stupid statements. My real problem with the show, however, wasn't the low IQ traitor, it was that the new ownership of 60 Minutes, Paramount, would allow a show like this to air. THEY ARE NO BETTER THAN THE OLD OWNERSHIP, who just paid me millions of Dollars for FAKE REPORTING about your favorite President, ME! Since they bought it, 60 Minutes has actually gotten WORSE! Oh well, far worse things can happen. P.S. I hereby demand a complete and total APOLOGY, though far too late to be meaningful, from Lesley Stahl and 60 Minutes for her incorrect and Libelous statements about Hunter's Laptop!!! President DJT https://twitter.com/HansMahncke/status/1997739659724832803?s=20  on the other foot, and there is highly incriminating evidence against the people who instigated the hoaxes, it somehow cannot be used. Just beyond infuriating. STUNNING UPDATE: Jocelyn Ballantine – the Lead Attorney Assigned to J6 Pipe Bomber Case – Notoriously Pressured the Proud Boys to Lie About Trump's Involvement in Jan. 6 or Face Decades in Prison!    Jocelyn Ballantine was one of the Department of Justice attorneys assigned to Michael Flynn's prosecution. The Department admitted altering evidence in the case following a reprimand from the judge. She called this an inadvertent mistake at the time. Ballantine also provided altered documents to Sidney Powell, and submitted an FBI interview report with redactions to information that was crucial to the case, according to En-Wikipedia.  When the US government threw out the case against  General Flynn, Ballantine declined to sign the motion to dismiss the charges against him. She is as crooked as they come. Jocelyn Ballantine was later assigned to the infamous Proud Boys Trial. Ballantine and the Biden prosecutors made up evidence, pressured the defendants to lie to the court, planted evidence in the Proud Boys chat group, and led the charge to send the innocent men to prison for over a decade each.   Source: thegatewaypundit.com https://twitter.com/TheStormRedux/status/1997495783168299481?s=20   a grand jury process, and we are issuing – I think we are up to like 75 of 100 subpoenas already – for witnesses. That's what you target first. We also have targets of our investigation. People we think committed acts of criminal conduct… We are not only exposing what they did, but they are frantically – “they,” the media, the mainstream media and those that were involved in the weaponization of justice – are trying to cover it up… You think that's gonna stop me and the deputy here? We're gonna get there. We're already halfway there on a lot of it. I firmly believe that this Comey case is far from over. We are not finished. We are formulating a plan to make sure that we use the Constitution to hold people accountable… These people will not be let off the hook.” Go get em, Kash.  & throwing distractions at them in hopes they will fall. #3925 twitter.com/realDonaldTrump/st Do people really believe the biggest scandal in modern US history will go unpunished [Scot-Free]? Backchannels are important. Patriots stand at the ready [shills whine]. Q Genuinely curious on how, exactly, people expect @kash to provide us with COMPLETE & TOTAL transparency…….but also (simultaneously) protect the integrity of ONGOING INVESTIGATIONS so cases aren't completely dismissed for lack of due process??!

In this Episode of the Secure Your Retirement Podcast, Radon and Murs discuss how financial scams are coming from every direction—phone calls, email phishing scams, text message scams, social media, and even door-to-door encounters—and why a little healthy skepticism is now a key part of scam prevention. They share real-world scam alert examples hitting their community right now, especially senior scams, and explain how staying cautious can protect both your money and your mindset as you work to secure your retirement.Listen in to learn about how to avoid scams by slowing down when urgency hits, verifying sources before clicking anything, and recognizing the red flags behind gift card scams, IRS scam calls, and the increasingly convincing threats of AI voice cloning scams and deepfake scam tactics. These practical cybersecurity tips also support smart identity theft prevention—an important part of retirement planning for anyone who wants to keep retiring comfortably on track.In this episode, find out:· How gift card scams exploit the holiday rush and why “pay with gift cards” is a major scam alert· Why IRS scam calls and “official” threats (like unpaid penalties) are designed to trigger fear and urgency· How a jury duty scam can use phone number spoofing to appear like it's coming from a real sheriff's department· The best ways to avoid clicking links in email phishing scams and text message scams, even when they look legitimate· How emerging tech (like AI voice cloning scams and deepfake scam videos) is changing the landscape of senior scams and financial scamsTweetable Quotes:· Radon Stancil: “If you ever get a call from a police department or sheriff's department saying you have a warrant for your arrest or you missed jury duty—it's a scam. Hang up.”· Murs Tariq: “If there's urgency, weird payment methods like gift cards or crypto, or they want you to click right now—pause and ask why.”Resources:If you are in or nearing retirement and you want to gain clarity on what questions you should be asking, learn what the biggest retirement myths are, and identify what you can do to achieve peace of mind for your retirement, get started today by requesting our complimentary video course, Four Steps to Secure Your Retirement!To access the course, simply visit POMWealth.net/podcast.

After the massive breakthrough of Night One—two funerals, the collapsing skyscraper, the dissolving of old fears—I walked into Night Two believing the work was done. I felt complete, emptied, reborn. I even considered not drinking at all. But Ayahuasca loves to laugh at certainty, and the shamans gently suggested a tiny “check-in” dose. Just a sip. Just enough to see if anything remained. Fifteen minutes later, the medicine hit me with the force of a spiritual hurricane. What followed was not enlightenment. Not beauty. Not cosmic revelation. It was overstimulation on a scale I had never experienced—violent fractals, exploding geometry, unraveling mandalas, and the infamous Transformer-Mickey-Mouse-Jiffy-Pop-Clown-Show that appears when the mind begins to collapse under its own fear. My nervous system short-circuited. My breath vanished. My intention dissolved. Everything became too loud, too fast, too much. And the only thing attacking me was my own resistance. Guided to the “bad boys' corner” of the maloca, I spent hours trapped in a visual and emotional hurricane, praying for release and finding none. No purge. No relief. No escape. Just chaos. Shame. Fear. A distorted carnival spinning out of control. Until one quiet moment changed everything. When I finally remembered the real question—the IRS question, the Dragon's question:Hmmm? What is actually happening here? What is this showing me? The answer landed like a whisper:Time. Your forgotten ally. Your secret weapon. The truth that dissolves all suffering.This too shall pass. The visuals didn't stop. The nightmare didn't soften. But my relationship to it changed. And the instant fear lost its authority, Grandmother stepped back in respect. She hadn't been punishing me. She had been teaching me the one lesson I didn't know I still needed: Nothing permanent can harm you. Only fear convinces you otherwise.Everything—anxiety, worry, panic, uncertainty—is just passing weather. In this episode, I take you inside the hardest night of my life, a night where the medicine became the mirror, the storm became the teacher, and time revealed itself as the true healer. Through Alan Watts, the IRS, and a collapse that turned into clarity, this chapter is a reminder for anyone drowning in fear: It's rarely the situation that hurts us. It's the meaning we've assigned to it. And when we zoom out—beyond our stories, beyond our worries, beyond this tiny spinning rock in a universe of trillions—everything softens. Everything shifts. Everything passes. Night Two wasn't a failure.It was the teaching beneath the teaching.The darkness behind the breakthrough.The reminder I didn't want… but desperately needed. This too shall pass.And the next morning, Day Three began—with sunlight, stone ruins, grounded earth, and a much-needed return to the outside world. For more information on the Arkana Spiritual Center: www.arkanainternational.com Follow Dr. JC Doornick and the Makes Sense Academy: ► Makes Sense Substack - https://drjcdoornick.substack.com ► Instagram: / drjcdoornick ►Facebook:  / makessensepodcast ►YouTube:  / drjcdoornick MAKES SENSE PODCAST Welcome to the Makes Sense with Dr. JC Doornick Podcast. This podcast explores topics that expand human consciousness and enhance performance. On the Makes Sense Podcast, we acknowledge that it's who you are that determines how well what you do works, and that perception is a subjective and acquired taste. When you change the way you look at things, the things you look at begin to change. Welcome to the uprising of the sleepwalking masses. Welcome to the Makes Sense with Dr. JC Doornick Podcast. SUBSCRIBE/RATE/REVIEW & SHARE our new podcast. FOLLOW Podcast - You will find a "Follow" button on the top right. This will enable the podcast software to alert you when a new episode launches each week. Apple: https://podcasts.apple.com/ca/podcast/makes-sense-with-dr-jc-doornick/id1730954168 Spotify: https://open.spotify.com/show/1WHfKWDDReMtrGFz4kkZs9?si=003780ca147c4aec Podcast Affiliates: Kwik Learning: Many people ask me where I get all these topics, which I've been covering for almost 15 years. I have learned to read nearly four times faster and retain information 10 times better with Kwik Learning. Learn how to learn and earn with Jim Kwik. Get his program at a special discount here: https://jimkwik.com/dragon OUR SPONSORS: Makes Sense Academy: A private mastermind and psychologically safe environment full of the Mindset and Action steps that will help you begin to thrive. The Makes Sense Academy. https://www.skool.com/makes-sense-academy/about The Sati Experience: A retreat designed for the married couple that truly loves one another, yet wants to take their love to that higher magical level. Relax, reestablish, and renew your love at the Sati Experience. https://www.satiexperience.com 0:00 - Intro to the Dark Side of Growth 1:55 - Night Number Two - This too shall pass. 4:38 - Do I need to drink again, or am I all set? 11:07 - Size doesn't matter 13:28 - The Visuals? Friend of Fo? 14:44 - The Four Pillars to the rescue 20:18 - The Grotesque Overstimulating Visuals 22:22 - The Overwhelmed Mind 25:36 - I am under attack and a hot mess! 29:10 - Shift Happens - Hmmm?  31:09 - The Tide Turned - This too shall pass. 41:28- Alan Watts: “Humans overthink and examine the contents of their thinking far too little.” Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

Send us a textThe Tax Mistakes Costing Women Physicians ThousandsIn this episode, I sit down with CPA and tax strategist Natasha Dornbush to talk about why so many high-earning women physicians are overpaying the IRS without realizing it — especially W-2 docs.We cover:Why your tax refund is NOT a win – and why your tax liability line is the only number that matters.The problem with “scrub-level” deductions – small write-offs don't move a $100k–$300k tax bill.Real tax strategy vs. random tax moves – how advanced, asset-based strategies create both cash flow and tax savings.Why W-2 physicians are not doomed – the kinds of investment-based strategies that are available, even before you become 1099.The role of a true tax strategist – the difference between tax filing, a one-time diagnostic, and an ongoing tax-planning relationship.If you're a woman physician earning great money but feeling squeezed by taxes, this conversation will help you see where you might be leaving tens of thousands of dollars on the table every year.For more information on reaching our guest, visit https://www.natashadornbush.com/

Nick Fuentes is on today. GUEST: Nick Fuentes Link to today's sources: https://www.louderwithcrowder.com/sources-december-4-2025 Steven Crowder McKinsey & Company: https://www.youtube.com/watch?v=YtN-W7WdK5Y Don't let the IRS target you. Call the professionals at Tax Network USA. Visit https://tnusa.com/CROWDER or call 1-800-958-1000 for a 100% free consultation. DOWNLOAD THE RUMBLE APP TODAY: https://rumble.com/our-apps Join Rumble Premium to watch this show every day! http://louderwithcrowder.com/Premium Get your favorite LWC gear: https://crowdershop.com/ Bite-Sized Content: https://rumble.com/c/CrowderBits Subscribe to my podcast: https://rss.com/podcasts/louder-with-crowder/ FOLLOW ME: Website: https://louderwithcrowder.com/ Twitter: https://twitter.com/scrowder Instagram: http://www.instagram.com/louderwithcrowder Facebook: https://www.facebook.com/stevencrowderofficial Music by @Pogo