WEBVTT - He Loves Talking Taxes!  Steve Moskowitz Talks to A&G

0:00:00.720 --> 0:00:07.080
<v Speaker 1>Because four hours. Simply, this is Armstrong and Getty extra large,

0:00:08.720 --> 0:00:11.560
<v Speaker 1>something we can all use. A conversation with longtime friend

0:00:11.560 --> 0:00:14.000
<v Speaker 1>of the Armstrong and Getty Show, Stephen Moskowitz, who has

0:00:14.080 --> 0:00:18.000
<v Speaker 1>advised us on tech stuff forever. A founder and tax

0:00:18.040 --> 0:00:21.360
<v Speaker 1>attorney for Moskowitz l LP, Steven joins us. Now, Steve,

0:00:21.360 --> 0:00:21.759
<v Speaker 1>how are you?

0:00:22.680 --> 0:00:25.360
<v Speaker 2>I'm fantastic And you know I'm happy because I get

0:00:25.400 --> 0:00:27.840
<v Speaker 2>to talk about that, and you know I mean that.

0:00:28.400 --> 0:00:30.480
<v Speaker 1>You know it's funny. I was just gonna say, I'm

0:00:30.480 --> 0:00:34.199
<v Speaker 1>gonna embarrass Steve and tell the folks this. I have

0:00:34.360 --> 0:00:39.800
<v Speaker 1>known professional musicians, athletes, all walks of tech, guys, all

0:00:39.840 --> 0:00:44.280
<v Speaker 1>walks off life, and I've never known anybody who's more

0:00:44.400 --> 0:00:47.600
<v Speaker 1>excited about their jobs than you are. Steven. You love

0:00:48.680 --> 0:00:50.760
<v Speaker 1>helping people deal with taxes.

0:00:50.400 --> 0:00:53.680
<v Speaker 2>Sincerely, I love it. And there's so much in the

0:00:53.760 --> 0:00:56.920
<v Speaker 2>tax so there's so many hidden gems. I have everything

0:00:57.040 --> 0:00:59.600
<v Speaker 2>from all walks of life. Whether we can tell you

0:00:59.640 --> 0:01:03.640
<v Speaker 2>how you can deduct your multimillion dollar yacht to your

0:01:03.720 --> 0:01:05.760
<v Speaker 2>struggling and how the government will give you money to

0:01:05.800 --> 0:01:08.640
<v Speaker 2>help you take care of your kids, and everything in between.

0:01:08.959 --> 0:01:11.679
<v Speaker 2>For example, I have a question for you. Suppose I

0:01:11.800 --> 0:01:15.200
<v Speaker 2>told you that you could go on a two week

0:01:15.280 --> 0:01:21.360
<v Speaker 2>vacation anywhere in the world you choose, some stranger would

0:01:21.400 --> 0:01:24.920
<v Speaker 2>pay for it, and the money the stranger gives you

0:01:25.120 --> 0:01:26.600
<v Speaker 2>is tax free. How would you like that?

0:01:27.640 --> 0:01:28.440
<v Speaker 1>When can I leave?

0:01:30.040 --> 0:01:33.039
<v Speaker 2>He said, Oh my god? What is Steve talking about?

0:01:34.040 --> 0:01:37.199
<v Speaker 2>And I'm talking about Internal Revenue Code Section two eighty

0:01:37.360 --> 0:01:41.520
<v Speaker 2>AG like Armstrong and Getty, also known as the Augusta Rule.

0:01:42.040 --> 0:01:45.319
<v Speaker 2>And what happens with that. You can rent your home

0:01:45.959 --> 0:01:50.200
<v Speaker 2>for up to fourteen days a year and there's no

0:01:51.000 --> 0:01:54.160
<v Speaker 2>tax on it. So the bottom line is in that

0:01:54.320 --> 0:01:57.840
<v Speaker 2>home can be the mansion you live in, the studio

0:01:57.920 --> 0:02:01.600
<v Speaker 2>apartment you rent, or a boat. And I'll explain that separately,

0:02:02.040 --> 0:02:05.000
<v Speaker 2>but the bottom line is supposed. For example, he said, okay,

0:02:05.680 --> 0:02:07.520
<v Speaker 2>I'm going to rent my place out for one thousand

0:02:07.520 --> 0:02:11.400
<v Speaker 2>dollars a day, and now everything is so many people

0:02:11.919 --> 0:02:15.040
<v Speaker 2>like renting a home instead of a hotel. So the

0:02:15.120 --> 0:02:17.560
<v Speaker 2>bottom line is you go ahead, and let's assume that

0:02:17.600 --> 0:02:19.799
<v Speaker 2>you rented your house for one thousand dollars a day,

0:02:20.400 --> 0:02:23.480
<v Speaker 2>so it's fourteen thousand dollars. You go off to Hawaii,

0:02:23.720 --> 0:02:26.200
<v Speaker 2>you spend ten thousand on your trip. That fourteen grand

0:02:26.240 --> 0:02:31.880
<v Speaker 2>that you god is tax free. It doesn't even go

0:02:31.919 --> 0:02:35.120
<v Speaker 2>on your tax return. It's excluded from income. That's just

0:02:35.160 --> 0:02:40.560
<v Speaker 2>an example of one of the many, many, many hidden

0:02:40.600 --> 0:02:43.680
<v Speaker 2>gems in our tax law. And glad people say, well,

0:02:43.680 --> 0:02:47.639
<v Speaker 2>why should there be such things? Because our legislators and

0:02:47.680 --> 0:02:50.840
<v Speaker 2>their infinite wisdom thinks this is good for the economy

0:02:50.960 --> 0:02:53.799
<v Speaker 2>or the business, or there's some special interest that pushed them.

0:02:53.960 --> 0:02:57.120
<v Speaker 2>But the bottom line is this law is for everybody.

0:02:57.200 --> 0:02:59.560
<v Speaker 2>All the laws are for everybody. We're all equal under

0:02:59.560 --> 0:03:03.600
<v Speaker 2>the law. And the bottom line is you just have

0:03:03.680 --> 0:03:06.679
<v Speaker 2>to know where these gems are hidden, because there's two

0:03:06.680 --> 0:03:08.960
<v Speaker 2>reasons for the tax code. One is they get money

0:03:08.960 --> 0:03:11.040
<v Speaker 2>from us. But the other one if you give us

0:03:11.040 --> 0:03:14.200
<v Speaker 2>all kinds of incentives like this, mister, well what a deal.

0:03:14.240 --> 0:03:16.400
<v Speaker 2>I mean, think about it. You're off on vacation anyway.

0:03:16.880 --> 0:03:21.000
<v Speaker 2>The Airbnb's is so popular and you get fourteen days

0:03:21.720 --> 0:03:23.960
<v Speaker 2>tax free. So you can see why I get so

0:03:24.040 --> 0:03:25.120
<v Speaker 2>excited over these things.

0:03:25.440 --> 0:03:27.960
<v Speaker 1>Love it so hey, we are happy to have so

0:03:28.000 --> 0:03:31.880
<v Speaker 1>many small business people, entrepreneurs, go getters listening to the show.

0:03:32.000 --> 0:03:36.760
<v Speaker 1>Also slackers like myself. But what do you see small

0:03:36.840 --> 0:03:40.160
<v Speaker 1>business people either failing to take advantage over getting wrong.

0:03:40.160 --> 0:03:42.000
<v Speaker 1>What advice would you give them just right off the bat.

0:03:42.440 --> 0:03:45.760
<v Speaker 2>Oh, the first one is retirement plans. There's over twenty

0:03:45.840 --> 0:03:49.400
<v Speaker 2>different types of plans. You can have multiple plans in

0:03:49.440 --> 0:03:51.680
<v Speaker 2>the same year, and you can put away so much

0:03:51.720 --> 0:03:55.320
<v Speaker 2>by there's four benefits to that one. You pay less taxes.

0:03:55.760 --> 0:03:57.840
<v Speaker 2>Usually when I'm talking to a client, people say sign

0:03:57.880 --> 0:04:00.240
<v Speaker 2>me up, Steve, You got me say taxes. Besides that,

0:04:01.320 --> 0:04:05.000
<v Speaker 2>the money sits in your plan and the income doesn't

0:04:05.000 --> 0:04:08.240
<v Speaker 2>tax wells in the plan, so no brainer. Everything grows

0:04:08.320 --> 0:04:12.760
<v Speaker 2>faster and bigger if there's no taxes on it. Also,

0:04:13.000 --> 0:04:17.400
<v Speaker 2>it's exempt from lawsuits, so take a level. I hate

0:04:17.440 --> 0:04:20.240
<v Speaker 2>to mention his name. Suppose you pick a look at

0:04:20.279 --> 0:04:23.280
<v Speaker 2>OJ Simpson who had a multimillion dollar judgment against him

0:04:23.320 --> 0:04:27.680
<v Speaker 2>for many, many years, and he never lost a penny

0:04:27.680 --> 0:04:30.560
<v Speaker 2>of his pension. So that's good when you're in business,

0:04:30.560 --> 0:04:31.960
<v Speaker 2>so you don't have to worries to take it away

0:04:31.960 --> 0:04:36.760
<v Speaker 2>from you. And most tax planning you have to write

0:04:36.800 --> 0:04:40.679
<v Speaker 2>to check by December thirty first twenty four to deduct

0:04:40.680 --> 0:04:43.320
<v Speaker 2>it in twenty four. But with most of the pensions,

0:04:43.360 --> 0:04:45.000
<v Speaker 2>not all of them, but most of them, you have

0:04:45.120 --> 0:04:48.520
<v Speaker 2>up to the time of filing your returns, including extension,

0:04:48.560 --> 0:04:51.840
<v Speaker 2>which in English means, depending on your business entity, you

0:04:51.839 --> 0:04:55.320
<v Speaker 2>could have as late as October fifteenth, twenty five to

0:04:55.360 --> 0:04:58.400
<v Speaker 2>set up the plan, fund it and still deduct it

0:04:58.720 --> 0:05:02.120
<v Speaker 2>from the previous year before. And there's all kinds of

0:05:02.120 --> 0:05:05.720
<v Speaker 2>things in here. So for example, if you're in a pension,

0:05:06.400 --> 0:05:09.440
<v Speaker 2>there's no everybody knows about forty one k's and Irish

0:05:09.440 --> 0:05:13.599
<v Speaker 2>and all that. But there's all kinds of additional plans,

0:05:14.240 --> 0:05:16.440
<v Speaker 2>what I call the fancy plans, which you can put

0:05:16.440 --> 0:05:19.000
<v Speaker 2>in much much more money, and they're based on your age,

0:05:19.080 --> 0:05:23.040
<v Speaker 2>your earnings. There's an actuarial evaluation ticket. But people can

0:05:23.080 --> 0:05:26.400
<v Speaker 2>put away a tremendous way more than this. But when

0:05:26.400 --> 0:05:29.599
<v Speaker 2>we talk about putting things away, everybody should have a

0:05:29.600 --> 0:05:31.320
<v Speaker 2>pension plan. Everybody should put that away.

0:05:31.760 --> 0:05:35.279
<v Speaker 1>So well, I was just gonna say, and that includes

0:05:35.360 --> 0:05:38.520
<v Speaker 1>if like I'm my only employee, I'm a solid proprietor,

0:05:38.560 --> 0:05:40.720
<v Speaker 1>I can have a pension plan for myself.

0:05:40.400 --> 0:05:44.919
<v Speaker 2>Right, absolutely, absolutely, And again with retirement plan, there's so

0:05:45.000 --> 0:05:47.960
<v Speaker 2>much in there. For example, suppose you say, well, you

0:05:48.000 --> 0:05:51.000
<v Speaker 2>know what, I'm listening to the show today, but I'm

0:05:51.040 --> 0:05:55.720
<v Speaker 2>a little bit older, and you know, I haven't had

0:05:55.920 --> 0:05:58.760
<v Speaker 2>the money in there. Well, there's something called a ketchup plan.

0:05:58.920 --> 0:06:02.000
<v Speaker 2>If you're over fifty, you can put in bigger deductions.

0:06:02.480 --> 0:06:05.640
<v Speaker 2>And our legislators in their infinite wisdom and get this.

0:06:06.560 --> 0:06:10.760
<v Speaker 2>If you're sixty, sixty one, sixty two, or sixty three,

0:06:11.200 --> 0:06:15.560
<v Speaker 2>only those ages, you have a super catchup plan this

0:06:15.760 --> 0:06:17.720
<v Speaker 2>beginning this year in twenty twenty five, where you put

0:06:17.720 --> 0:06:20.960
<v Speaker 2>it even more. The bottom line is there's so much here.

0:06:21.520 --> 0:06:25.480
<v Speaker 2>And then what about taking money out of plans? He said, well, okay,

0:06:25.560 --> 0:06:27.000
<v Speaker 2>you know I need the money, but I don't want

0:06:27.040 --> 0:06:30.440
<v Speaker 2>to get hit with that penalty. There's all kinds of

0:06:30.440 --> 0:06:34.000
<v Speaker 2>exceptions to that. If you're a victim of domestic abuse,

0:06:34.400 --> 0:06:37.919
<v Speaker 2>you can take money out without the penalties. If you

0:06:37.960 --> 0:06:40.040
<v Speaker 2>need it for emergency purposes, you can take it out

0:06:40.080 --> 0:06:44.160
<v Speaker 2>wild penalties. If you take it out because of federally

0:06:44.520 --> 0:06:48.000
<v Speaker 2>declared disasters, think about O the wildfires in California, let's

0:06:48.000 --> 0:06:51.840
<v Speaker 2>mention Hawaii and other places. You can take it out

0:06:51.839 --> 0:06:56.520
<v Speaker 2>without penalty if someone's terminally ill. And also a no

0:06:56.760 --> 0:07:00.640
<v Speaker 2>to are firefighters. If they're age fifty or twenty five

0:07:00.720 --> 0:07:03.960
<v Speaker 2>years of service, they can take it out without penalty.

0:07:04.160 --> 0:07:05.599
<v Speaker 2>I have to go on and on and on. But

0:07:05.640 --> 0:07:10.120
<v Speaker 2>there's just so much here for everybody, and whether you

0:07:10.160 --> 0:07:14.800
<v Speaker 2>know with being a small business owner, this is just

0:07:14.960 --> 0:07:18.320
<v Speaker 2>the trumendous. Say I get so excited over this. But

0:07:18.680 --> 0:07:23.440
<v Speaker 2>if you're in business, there are so many benefits to

0:07:23.480 --> 0:07:26.640
<v Speaker 2>you just it's incredible, and it's all kinds of things.

0:07:26.640 --> 0:07:28.800
<v Speaker 2>For example, supposed to me says, you know, I'd like

0:07:28.840 --> 0:07:32.480
<v Speaker 2>to have an electric vehicle. Well, guess what, you know

0:07:32.520 --> 0:07:35.080
<v Speaker 2>the government will give you seventy five hundred bucks. And

0:07:35.120 --> 0:07:37.480
<v Speaker 2>you say, well, that's nice. I can go ahead and

0:07:37.480 --> 0:07:39.840
<v Speaker 2>take seventy five hundred dollars off my tax return, right

0:07:40.160 --> 0:07:43.360
<v Speaker 2>you can. But even better, when you're at the dealer,

0:07:43.400 --> 0:07:46.760
<v Speaker 2>you say, you know what, there's a special program where

0:07:46.800 --> 0:07:49.120
<v Speaker 2>I can say to the dealer, I'll give the credit

0:07:49.160 --> 0:07:52.600
<v Speaker 2>to you. You knock seventy five hundred bucks off the price,

0:07:52.920 --> 0:07:54.520
<v Speaker 2>so I never have to give you the money and

0:07:54.520 --> 0:07:57.120
<v Speaker 2>ask for it back. You get the seventy five hundred

0:07:57.160 --> 0:08:01.600
<v Speaker 2>from the government. There's so much, so much. Then there's

0:08:01.680 --> 0:08:05.320
<v Speaker 2>another thing that gets me really excited, something called opportunity zones.

0:08:06.400 --> 0:08:11.640
<v Speaker 2>Suppose you have this situation you sell something anything, some gold, coins,

0:08:11.920 --> 0:08:15.880
<v Speaker 2>some stock, real property, anything, and you have capital gain

0:08:16.440 --> 0:08:20.080
<v Speaker 2>and you say, well, all right, you know I realized

0:08:20.080 --> 0:08:23.520
<v Speaker 2>that there's three capital gains rates zero what's a nice one.

0:08:23.520 --> 0:08:25.080
<v Speaker 2>But you have to be making less than forty seven

0:08:25.160 --> 0:08:28.800
<v Speaker 2>grand for that or fifteen percent, which is between forty

0:08:28.840 --> 0:08:32.840
<v Speaker 2>seven grand and over just half a mil. You know,

0:08:33.080 --> 0:08:36.280
<v Speaker 2>most people are making under half of mil. Fifteen percent bad,

0:08:37.120 --> 0:08:39.480
<v Speaker 2>and it goes to twenty percent if you're over five

0:08:39.520 --> 0:08:42.160
<v Speaker 2>hundred and eighteen thousand. But the bottom line is you say,

0:08:42.160 --> 0:08:45.120
<v Speaker 2>you know, I don't want to pay that either. So

0:08:45.160 --> 0:08:49.360
<v Speaker 2>you can go into an opportunity zone and you can

0:08:49.360 --> 0:08:54.120
<v Speaker 2>defer the taxes until twenty six. As you say, when

0:08:54.200 --> 0:08:56.719
<v Speaker 2>somebody gives you something nice, what do you.

0:08:56.720 --> 0:08:58.360
<v Speaker 1>Say thank you?

0:08:58.400 --> 0:09:04.040
<v Speaker 2>Of course, no, say more? I want more. And what

0:09:04.160 --> 0:09:07.760
<v Speaker 2>happens is there's a provision with these opportunities zone. Suppose

0:09:07.800 --> 0:09:11.680
<v Speaker 2>I do this. Suppose what is an opportunity zone. There's

0:09:11.679 --> 0:09:14.880
<v Speaker 2>designated areas in our country where the government says, invest

0:09:14.960 --> 0:09:17.199
<v Speaker 2>here and we'll give you special tax benefits. And there's

0:09:17.240 --> 0:09:19.160
<v Speaker 2>a tremendous number of them. So you go ahead and

0:09:19.160 --> 0:09:22.320
<v Speaker 2>do that. And let's assume that you buy a real

0:09:22.400 --> 0:09:28.040
<v Speaker 2>property for million bucks. Ten years later you sell it

0:09:28.080 --> 0:09:31.280
<v Speaker 2>for one hundred million. You've made a gain of ninety

0:09:31.360 --> 0:09:34.319
<v Speaker 2>nine million. You know, I can calculate the tax on

0:09:34.400 --> 0:09:37.280
<v Speaker 2>that right now in my head. You know, the taxes zero.

0:09:38.240 --> 0:09:43.120
<v Speaker 2>What Steve Wait talk about, there's a special provision that

0:09:43.160 --> 0:09:45.240
<v Speaker 2>if you hold this property for more than ten years,

0:09:45.520 --> 0:09:48.120
<v Speaker 2>when you sell it, there's zero capital game, there's no

0:09:48.200 --> 0:09:50.080
<v Speaker 2>cap on it. So in my example, you made a

0:09:50.080 --> 0:09:54.640
<v Speaker 2>profit of ninety nine million bucks, you pay zero taxes.

0:09:54.920 --> 0:09:58.720
<v Speaker 2>Talk about an incentive. So you see, that's why I

0:09:58.440 --> 0:10:02.280
<v Speaker 2>get so excited about this and our laws filled with

0:10:02.320 --> 0:10:02.880
<v Speaker 2>these things.

0:10:03.679 --> 0:10:06.360
<v Speaker 1>Stephen Moscowitz found our tax Atturning moscow at s LP

0:10:06.520 --> 0:10:09.520
<v Speaker 1>is online, longtime tax advisor of the show and our friends.

0:10:09.600 --> 0:10:11.840
<v Speaker 1>So Stephen, in a couple of minutes, we have left

0:10:12.360 --> 0:10:16.920
<v Speaker 1>what notable changes to the tax code have happened recently

0:10:17.040 --> 0:10:20.079
<v Speaker 1>or do you expect to happen as the Trump administration

0:10:20.160 --> 0:10:20.559
<v Speaker 1>gets going.

0:10:22.280 --> 0:10:25.080
<v Speaker 2>So I think there's going to be a lot with

0:10:25.240 --> 0:10:29.160
<v Speaker 2>the Tax Cuts and Jobs Act. When President Trump was

0:10:29.160 --> 0:10:30.840
<v Speaker 2>president in the first term, he had a lot of

0:10:30.840 --> 0:10:33.720
<v Speaker 2>stuff that was going to be Basically he expected to

0:10:33.720 --> 0:10:35.120
<v Speaker 2>be re elected and he had a lot of stuff

0:10:35.120 --> 0:10:38.560
<v Speaker 2>in the tax law that was expiring right after where

0:10:38.559 --> 0:10:41.439
<v Speaker 2>there's the second term, so it's expiring now they're probably

0:10:41.480 --> 0:10:43.640
<v Speaker 2>going to make changes and keep a lot of the things.

0:10:44.160 --> 0:10:46.480
<v Speaker 2>And also a lot of things that have changed are

0:10:47.320 --> 0:10:50.080
<v Speaker 2>the numbers, like the standard deduction went up a little

0:10:50.080 --> 0:10:55.280
<v Speaker 2>bit for twenty twenty four, and a little bit of numbers.

0:10:55.280 --> 0:10:57.640
<v Speaker 2>You know, for example, the art didn't come credit. So

0:10:58.760 --> 0:11:00.800
<v Speaker 2>we talked about the other end of this. For example,

0:11:00.800 --> 0:11:04.199
<v Speaker 2>suppose you have three kids and you're making under sixty

0:11:04.200 --> 0:11:08.079
<v Speaker 2>six eight nineteen. The government will give you seven eight

0:11:08.120 --> 0:11:10.280
<v Speaker 2>hundred and thirty dollars, but is give them will give

0:11:10.280 --> 0:11:14.439
<v Speaker 2>you the money, so you have those things. There's also

0:11:14.440 --> 0:11:17.640
<v Speaker 2>a change to the kittie tax. It's a small change

0:11:18.400 --> 0:11:21.960
<v Speaker 2>for kids that are under age nineteen. The first thirteen

0:11:22.040 --> 0:11:26.360
<v Speaker 2>hundred bucks is tax free. The next thirteen hundred bucks

0:11:26.440 --> 0:11:28.800
<v Speaker 2>is taxed at the child's right, so it's a little something.

0:11:29.600 --> 0:11:33.600
<v Speaker 2>Then the amounts for the flexible spending accounts and the

0:11:33.600 --> 0:11:38.720
<v Speaker 2>health savings accounts have gone up. So what are those things. Basically,

0:11:39.040 --> 0:11:42.079
<v Speaker 2>there are two different types of accounts where you can

0:11:42.120 --> 0:11:44.880
<v Speaker 2>put some pre tax money at i e. Don't get taxed,

0:11:45.960 --> 0:11:50.359
<v Speaker 2>and then you use it for healthcare. Now there's differences

0:11:50.360 --> 0:11:54.960
<v Speaker 2>between them, so and with an exception, you can't have both.

0:11:54.960 --> 0:11:58.079
<v Speaker 2>There's an exception, but we won't get into that right

0:11:58.080 --> 0:12:00.679
<v Speaker 2>now on Michelle. But for the most you say, well,

0:12:00.679 --> 0:12:03.679
<v Speaker 2>what's more important to me? And you look at these

0:12:03.720 --> 0:12:06.920
<v Speaker 2>and basically the best way to do it is their charts,

0:12:06.960 --> 0:12:09.440
<v Speaker 2>and you say, okay, well, a flexible spending account, here's

0:12:09.480 --> 0:12:14.640
<v Speaker 2>the advantages. With the health savings account, here's the advantages.

0:12:14.880 --> 0:12:18.199
<v Speaker 2>But basically the idea here is you get a tax deduction,

0:12:19.040 --> 0:12:23.000
<v Speaker 2>you use the money for medical and isn't that nice?

0:12:23.040 --> 0:12:25.600
<v Speaker 2>You don't have to pay tax on that amount of

0:12:25.640 --> 0:12:29.000
<v Speaker 2>your earnings. And the bottom line, for example, with a

0:12:29.000 --> 0:12:31.840
<v Speaker 2>health savings account, you can triple benefits. There's no taxes

0:12:31.840 --> 0:12:34.679
<v Speaker 2>on the money you put it in, it grows tax free,

0:12:35.040 --> 0:12:37.240
<v Speaker 2>and there's no taxes when you use it for medical bills.

0:12:37.440 --> 0:12:39.880
<v Speaker 2>So again, I mean, you look at this stuff and

0:12:39.920 --> 0:12:43.600
<v Speaker 2>you say, well, okay, why shouldn't I have it? There's

0:12:43.600 --> 0:12:45.880
<v Speaker 2>so much in tax Lobbrady complaints about their taxes. My

0:12:45.920 --> 0:12:50.719
<v Speaker 2>taxes are too much. They're that, but people overlook all

0:12:50.800 --> 0:12:54.400
<v Speaker 2>these benefits. And again I'm just throwing out a few

0:12:55.040 --> 0:12:58.680
<v Speaker 2>samples and teasers. There's so much there. If you're interested

0:12:58.720 --> 0:13:02.320
<v Speaker 2>in this to me. This has fascinated me my whole life,

0:13:02.520 --> 0:13:05.040
<v Speaker 2>and it's here. It's available for everybody.

0:13:05.600 --> 0:13:07.280
<v Speaker 1>Well, if you want to get in touch with Stephen,

0:13:07.600 --> 0:13:09.720
<v Speaker 1>his number is one Triple A Tax Deal. It's one

0:13:09.760 --> 0:13:12.680
<v Speaker 1>triple A tax Deal, Stephen. It's always a pleasure. Thanks

0:13:12.679 --> 0:13:15.520
<v Speaker 1>for the time, interesting and fun as always, be well.

0:13:16.200 --> 0:13:18.079
<v Speaker 2>Thanks so much. I had a great time as always.

0:13:18.080 --> 0:13:19.720
<v Speaker 2>Thanks for inviting me all right.

0:13:19.640 --> 0:13:19.960
<v Speaker 1>Thanks

0:13:21.559 --> 0:13:22.880
<v Speaker 2>Extra large