1
00:00:00,720 --> 00:00:07,080
Speaker 1: Because four hours. Simply, this is Armstrong and Getty extra large,

2
00:00:08,720 --> 00:00:11,560
Speaker 1: something we can all use. A conversation with longtime friend

3
00:00:11,560 --> 00:00:14,000
Speaker 1: of the Armstrong and Getty Show, Stephen Moskowitz, who has

4
00:00:14,080 --> 00:00:18,000
Speaker 1: advised us on tech stuff forever. A founder and tax

5
00:00:18,040 --> 00:00:21,360
Speaker 1: attorney for Moskowitz l LP, Steven joins us. Now, Steve,

6
00:00:21,360 --> 00:00:21,759
Speaker 1: how are you?

7
00:00:22,680 --> 00:00:25,360
Speaker 2: I'm fantastic And you know I'm happy because I get

8
00:00:25,400 --> 00:00:27,840
Speaker 2: to talk about that, and you know I mean that.

9
00:00:28,400 --> 00:00:30,480
Speaker 1: You know it's funny. I was just gonna say, I'm

10
00:00:30,480 --> 00:00:34,199
Speaker 1: gonna embarrass Steve and tell the folks this. I have

11
00:00:34,360 --> 00:00:39,800
Speaker 1: known professional musicians, athletes, all walks of tech, guys, all

12
00:00:39,840 --> 00:00:44,280
Speaker 1: walks off life, and I've never known anybody who's more

13
00:00:44,400 --> 00:00:47,600
Speaker 1: excited about their jobs than you are. Steven. You love

14
00:00:48,680 --> 00:00:50,760
Speaker 1: helping people deal with taxes.

15
00:00:50,400 --> 00:00:53,680
Speaker 2: Sincerely, I love it. And there's so much in the

16
00:00:53,760 --> 00:00:56,920
Speaker 2: tax so there's so many hidden gems. I have everything

17
00:00:57,040 --> 00:00:59,600
Speaker 2: from all walks of life. Whether we can tell you

18
00:00:59,640 --> 00:01:03,640
Speaker 2: how you can deduct your multimillion dollar yacht to your

19
00:01:03,720 --> 00:01:05,760
Speaker 2: struggling and how the government will give you money to

20
00:01:05,800 --> 00:01:08,640
Speaker 2: help you take care of your kids, and everything in between.

21
00:01:08,959 --> 00:01:11,679
Speaker 2: For example, I have a question for you. Suppose I

22
00:01:11,800 --> 00:01:15,200
Speaker 2: told you that you could go on a two week

23
00:01:15,280 --> 00:01:21,360
Speaker 2: vacation anywhere in the world you choose, some stranger would

24
00:01:21,400 --> 00:01:24,920
Speaker 2: pay for it, and the money the stranger gives you

25
00:01:25,120 --> 00:01:26,600
Speaker 2: is tax free. How would you like that?

26
00:01:27,640 --> 00:01:28,440
Speaker 1: When can I leave?

27
00:01:30,040 --> 00:01:33,039
Speaker 2: He said, Oh my god? What is Steve talking about?

28
00:01:34,040 --> 00:01:37,199
Speaker 2: And I'm talking about Internal Revenue Code Section two eighty

29
00:01:37,360 --> 00:01:41,520
Speaker 2: AG like Armstrong and Getty, also known as the Augusta Rule.

30
00:01:42,040 --> 00:01:45,319
Speaker 2: And what happens with that. You can rent your home

31
00:01:45,959 --> 00:01:50,200
Speaker 2: for up to fourteen days a year and there's no

32
00:01:51,000 --> 00:01:54,160
Speaker 2: tax on it. So the bottom line is in that

33
00:01:54,320 --> 00:01:57,840
Speaker 2: home can be the mansion you live in, the studio

34
00:01:57,920 --> 00:02:01,600
Speaker 2: apartment you rent, or a boat. And I'll explain that separately,

35
00:02:02,040 --> 00:02:05,000
Speaker 2: but the bottom line is supposed. For example, he said, okay,

36
00:02:05,680 --> 00:02:07,520
Speaker 2: I'm going to rent my place out for one thousand

37
00:02:07,520 --> 00:02:11,400
Speaker 2: dollars a day, and now everything is so many people

38
00:02:11,919 --> 00:02:15,040
Speaker 2: like renting a home instead of a hotel. So the

39
00:02:15,120 --> 00:02:17,560
Speaker 2: bottom line is you go ahead, and let's assume that

40
00:02:17,600 --> 00:02:19,799
Speaker 2: you rented your house for one thousand dollars a day,

41
00:02:20,400 --> 00:02:23,480
Speaker 2: so it's fourteen thousand dollars. You go off to Hawaii,

42
00:02:23,720 --> 00:02:26,200
Speaker 2: you spend ten thousand on your trip. That fourteen grand

43
00:02:26,240 --> 00:02:31,880
Speaker 2: that you god is tax free. It doesn't even go

44
00:02:31,919 --> 00:02:35,120
Speaker 2: on your tax return. It's excluded from income. That's just

45
00:02:35,160 --> 00:02:40,560
Speaker 2: an example of one of the many, many, many hidden

46
00:02:40,600 --> 00:02:43,680
Speaker 2: gems in our tax law. And glad people say, well,

47
00:02:43,680 --> 00:02:47,639
Speaker 2: why should there be such things? Because our legislators and

48
00:02:47,680 --> 00:02:50,840
Speaker 2: their infinite wisdom thinks this is good for the economy

49
00:02:50,960 --> 00:02:53,799
Speaker 2: or the business, or there's some special interest that pushed them.

50
00:02:53,960 --> 00:02:57,120
Speaker 2: But the bottom line is this law is for everybody.

51
00:02:57,200 --> 00:02:59,560
Speaker 2: All the laws are for everybody. We're all equal under

52
00:02:59,560 --> 00:03:03,600
Speaker 2: the law. And the bottom line is you just have

53
00:03:03,680 --> 00:03:06,679
Speaker 2: to know where these gems are hidden, because there's two

54
00:03:06,680 --> 00:03:08,960
Speaker 2: reasons for the tax code. One is they get money

55
00:03:08,960 --> 00:03:11,040
Speaker 2: from us. But the other one if you give us

56
00:03:11,040 --> 00:03:14,200
Speaker 2: all kinds of incentives like this, mister, well what a deal.

57
00:03:14,240 --> 00:03:16,400
Speaker 2: I mean, think about it. You're off on vacation anyway.

58
00:03:16,880 --> 00:03:21,000
Speaker 2: The Airbnb's is so popular and you get fourteen days

59
00:03:21,720 --> 00:03:23,960
Speaker 2: tax free. So you can see why I get so

60
00:03:24,040 --> 00:03:25,120
Speaker 2: excited over these things.

61
00:03:25,440 --> 00:03:27,960
Speaker 1: Love it so hey, we are happy to have so

62
00:03:28,000 --> 00:03:31,880
Speaker 1: many small business people, entrepreneurs, go getters listening to the show.

63
00:03:32,000 --> 00:03:36,760
Speaker 1: Also slackers like myself. But what do you see small

64
00:03:36,840 --> 00:03:40,160
Speaker 1: business people either failing to take advantage over getting wrong.

65
00:03:40,160 --> 00:03:42,000
Speaker 1: What advice would you give them just right off the bat.

66
00:03:42,440 --> 00:03:45,760
Speaker 2: Oh, the first one is retirement plans. There's over twenty

67
00:03:45,840 --> 00:03:49,400
Speaker 2: different types of plans. You can have multiple plans in

68
00:03:49,440 --> 00:03:51,680
Speaker 2: the same year, and you can put away so much

69
00:03:51,720 --> 00:03:55,320
Speaker 2: by there's four benefits to that one. You pay less taxes.

70
00:03:55,760 --> 00:03:57,840
Speaker 2: Usually when I'm talking to a client, people say sign

71
00:03:57,880 --> 00:04:00,240
Speaker 2: me up, Steve, You got me say taxes. Besides that,

72
00:04:01,320 --> 00:04:05,000
Speaker 2: the money sits in your plan and the income doesn't

73
00:04:05,000 --> 00:04:08,240
Speaker 2: tax wells in the plan, so no brainer. Everything grows

74
00:04:08,320 --> 00:04:12,760
Speaker 2: faster and bigger if there's no taxes on it. Also,

75
00:04:13,000 --> 00:04:17,400
Speaker 2: it's exempt from lawsuits, so take a level. I hate

76
00:04:17,440 --> 00:04:20,240
Speaker 2: to mention his name. Suppose you pick a look at

77
00:04:20,279 --> 00:04:23,280
Speaker 2: OJ Simpson who had a multimillion dollar judgment against him

78
00:04:23,320 --> 00:04:27,680
Speaker 2: for many, many years, and he never lost a penny

79
00:04:27,680 --> 00:04:30,560
Speaker 2: of his pension. So that's good when you're in business,

80
00:04:30,560 --> 00:04:31,960
Speaker 2: so you don't have to worries to take it away

81
00:04:31,960 --> 00:04:36,760
Speaker 2: from you. And most tax planning you have to write

82
00:04:36,800 --> 00:04:40,679
Speaker 2: to check by December thirty first twenty four to deduct

83
00:04:40,680 --> 00:04:43,320
Speaker 2: it in twenty four. But with most of the pensions,

84
00:04:43,360 --> 00:04:45,000
Speaker 2: not all of them, but most of them, you have

85
00:04:45,120 --> 00:04:48,520
Speaker 2: up to the time of filing your returns, including extension,

86
00:04:48,560 --> 00:04:51,840
Speaker 2: which in English means, depending on your business entity, you

87
00:04:51,839 --> 00:04:55,320
Speaker 2: could have as late as October fifteenth, twenty five to

88
00:04:55,360 --> 00:04:58,400
Speaker 2: set up the plan, fund it and still deduct it

89
00:04:58,720 --> 00:05:02,120
Speaker 2: from the previous year before. And there's all kinds of

90
00:05:02,120 --> 00:05:05,720
Speaker 2: things in here. So for example, if you're in a pension,

91
00:05:06,400 --> 00:05:09,440
Speaker 2: there's no everybody knows about forty one k's and Irish

92
00:05:09,440 --> 00:05:13,599
Speaker 2: and all that. But there's all kinds of additional plans,

93
00:05:14,240 --> 00:05:16,440
Speaker 2: what I call the fancy plans, which you can put

94
00:05:16,440 --> 00:05:19,000
Speaker 2: in much much more money, and they're based on your age,

95
00:05:19,080 --> 00:05:23,040
Speaker 2: your earnings. There's an actuarial evaluation ticket. But people can

96
00:05:23,080 --> 00:05:26,400
Speaker 2: put away a tremendous way more than this. But when

97
00:05:26,400 --> 00:05:29,599
Speaker 2: we talk about putting things away, everybody should have a

98
00:05:29,600 --> 00:05:31,320
Speaker 2: pension plan. Everybody should put that away.

99
00:05:31,760 --> 00:05:35,279
Speaker 1: So well, I was just gonna say, and that includes

100
00:05:35,360 --> 00:05:38,520
Speaker 1: if like I'm my only employee, I'm a solid proprietor,

101
00:05:38,560 --> 00:05:40,720
Speaker 1: I can have a pension plan for myself.

102
00:05:40,400 --> 00:05:44,919
Speaker 2: Right, absolutely, absolutely, And again with retirement plan, there's so

103
00:05:45,000 --> 00:05:47,960
Speaker 2: much in there. For example, suppose you say, well, you

104
00:05:48,000 --> 00:05:51,000
Speaker 2: know what, I'm listening to the show today, but I'm

105
00:05:51,040 --> 00:05:55,720
Speaker 2: a little bit older, and you know, I haven't had

106
00:05:55,920 --> 00:05:58,760
Speaker 2: the money in there. Well, there's something called a ketchup plan.

107
00:05:58,920 --> 00:06:02,000
Speaker 2: If you're over fifty, you can put in bigger deductions.

108
00:06:02,480 --> 00:06:05,640
Speaker 2: And our legislators in their infinite wisdom and get this.

109
00:06:06,560 --> 00:06:10,760
Speaker 2: If you're sixty, sixty one, sixty two, or sixty three,

110
00:06:11,200 --> 00:06:15,560
Speaker 2: only those ages, you have a super catchup plan this

111
00:06:15,760 --> 00:06:17,720
Speaker 2: beginning this year in twenty twenty five, where you put

112
00:06:17,720 --> 00:06:20,960
Speaker 2: it even more. The bottom line is there's so much here.

113
00:06:21,520 --> 00:06:25,480
Speaker 2: And then what about taking money out of plans? He said, well, okay,

114
00:06:25,560 --> 00:06:27,000
Speaker 2: you know I need the money, but I don't want

115
00:06:27,040 --> 00:06:30,440
Speaker 2: to get hit with that penalty. There's all kinds of

116
00:06:30,440 --> 00:06:34,000
Speaker 2: exceptions to that. If you're a victim of domestic abuse,

117
00:06:34,400 --> 00:06:37,919
Speaker 2: you can take money out without the penalties. If you

118
00:06:37,960 --> 00:06:40,040
Speaker 2: need it for emergency purposes, you can take it out

119
00:06:40,080 --> 00:06:44,160
Speaker 2: wild penalties. If you take it out because of federally

120
00:06:44,520 --> 00:06:48,000
Speaker 2: declared disasters, think about O the wildfires in California, let's

121
00:06:48,000 --> 00:06:51,840
Speaker 2: mention Hawaii and other places. You can take it out

122
00:06:51,839 --> 00:06:56,520
Speaker 2: without penalty if someone's terminally ill. And also a no

123
00:06:56,760 --> 00:07:00,640
Speaker 2: to are firefighters. If they're age fifty or twenty five

124
00:07:00,720 --> 00:07:03,960
Speaker 2: years of service, they can take it out without penalty.

125
00:07:04,160 --> 00:07:05,599
Speaker 2: I have to go on and on and on. But

126
00:07:05,640 --> 00:07:10,120
Speaker 2: there's just so much here for everybody, and whether you

127
00:07:10,160 --> 00:07:14,800
Speaker 2: know with being a small business owner, this is just

128
00:07:14,960 --> 00:07:18,320
Speaker 2: the trumendous. Say I get so excited over this. But

129
00:07:18,680 --> 00:07:23,440
Speaker 2: if you're in business, there are so many benefits to

130
00:07:23,480 --> 00:07:26,640
Speaker 2: you just it's incredible, and it's all kinds of things.

131
00:07:26,640 --> 00:07:28,800
Speaker 2: For example, supposed to me says, you know, I'd like

132
00:07:28,840 --> 00:07:32,480
Speaker 2: to have an electric vehicle. Well, guess what, you know

133
00:07:32,520 --> 00:07:35,080
Speaker 2: the government will give you seventy five hundred bucks. And

134
00:07:35,120 --> 00:07:37,480
Speaker 2: you say, well, that's nice. I can go ahead and

135
00:07:37,480 --> 00:07:39,840
Speaker 2: take seventy five hundred dollars off my tax return, right

136
00:07:40,160 --> 00:07:43,360
Speaker 2: you can. But even better, when you're at the dealer,

137
00:07:43,400 --> 00:07:46,760
Speaker 2: you say, you know what, there's a special program where

138
00:07:46,800 --> 00:07:49,120
Speaker 2: I can say to the dealer, I'll give the credit

139
00:07:49,160 --> 00:07:52,600
Speaker 2: to you. You knock seventy five hundred bucks off the price,

140
00:07:52,920 --> 00:07:54,520
Speaker 2: so I never have to give you the money and

141
00:07:54,520 --> 00:07:57,120
Speaker 2: ask for it back. You get the seventy five hundred

142
00:07:57,160 --> 00:08:01,600
Speaker 2: from the government. There's so much, so much. Then there's

143
00:08:01,680 --> 00:08:05,320
Speaker 2: another thing that gets me really excited, something called opportunity zones.

144
00:08:06,400 --> 00:08:11,640
Speaker 2: Suppose you have this situation you sell something anything, some gold, coins,

145
00:08:11,920 --> 00:08:15,880
Speaker 2: some stock, real property, anything, and you have capital gain

146
00:08:16,440 --> 00:08:20,080
Speaker 2: and you say, well, all right, you know I realized

147
00:08:20,080 --> 00:08:23,520
Speaker 2: that there's three capital gains rates zero what's a nice one.

148
00:08:23,520 --> 00:08:25,080
Speaker 2: But you have to be making less than forty seven

149
00:08:25,160 --> 00:08:28,800
Speaker 2: grand for that or fifteen percent, which is between forty

150
00:08:28,840 --> 00:08:32,840
Speaker 2: seven grand and over just half a mil. You know,

151
00:08:33,080 --> 00:08:36,280
Speaker 2: most people are making under half of mil. Fifteen percent bad,

152
00:08:37,120 --> 00:08:39,480
Speaker 2: and it goes to twenty percent if you're over five

153
00:08:39,520 --> 00:08:42,160
Speaker 2: hundred and eighteen thousand. But the bottom line is you say,

154
00:08:42,160 --> 00:08:45,120
Speaker 2: you know, I don't want to pay that either. So

155
00:08:45,160 --> 00:08:49,360
Speaker 2: you can go into an opportunity zone and you can

156
00:08:49,360 --> 00:08:54,120
Speaker 2: defer the taxes until twenty six. As you say, when

157
00:08:54,200 --> 00:08:56,719
Speaker 2: somebody gives you something nice, what do you.

158
00:08:56,720 --> 00:08:58,360
Speaker 1: Say thank you?

159
00:08:58,400 --> 00:09:04,040
Speaker 2: Of course, no, say more? I want more. And what

160
00:09:04,160 --> 00:09:07,760
Speaker 2: happens is there's a provision with these opportunities zone. Suppose

161
00:09:07,800 --> 00:09:11,680
Speaker 2: I do this. Suppose what is an opportunity zone. There's

162
00:09:11,679 --> 00:09:14,880
Speaker 2: designated areas in our country where the government says, invest

163
00:09:14,960 --> 00:09:17,199
Speaker 2: here and we'll give you special tax benefits. And there's

164
00:09:17,240 --> 00:09:19,160
Speaker 2: a tremendous number of them. So you go ahead and

165
00:09:19,160 --> 00:09:22,320
Speaker 2: do that. And let's assume that you buy a real

166
00:09:22,400 --> 00:09:28,040
Speaker 2: property for million bucks. Ten years later you sell it

167
00:09:28,080 --> 00:09:31,280
Speaker 2: for one hundred million. You've made a gain of ninety

168
00:09:31,360 --> 00:09:34,319
Speaker 2: nine million. You know, I can calculate the tax on

169
00:09:34,400 --> 00:09:37,280
Speaker 2: that right now in my head. You know, the taxes zero.

170
00:09:38,240 --> 00:09:43,120
Speaker 2: What Steve Wait talk about, there's a special provision that

171
00:09:43,160 --> 00:09:45,240
Speaker 2: if you hold this property for more than ten years,

172
00:09:45,520 --> 00:09:48,120
Speaker 2: when you sell it, there's zero capital game, there's no

173
00:09:48,200 --> 00:09:50,080
Speaker 2: cap on it. So in my example, you made a

174
00:09:50,080 --> 00:09:54,640
Speaker 2: profit of ninety nine million bucks, you pay zero taxes.

175
00:09:54,920 --> 00:09:58,720
Speaker 2: Talk about an incentive. So you see, that's why I

176
00:09:58,440 --> 00:10:02,280
Speaker 2: get so excited about this and our laws filled with

177
00:10:02,320 --> 00:10:02,880
Speaker 2: these things.

178
00:10:03,679 --> 00:10:06,360
Speaker 1: Stephen Moscowitz found our tax Atturning moscow at s LP

179
00:10:06,520 --> 00:10:09,520
Speaker 1: is online, longtime tax advisor of the show and our friends.

180
00:10:09,600 --> 00:10:11,840
Speaker 1: So Stephen, in a couple of minutes, we have left

181
00:10:12,360 --> 00:10:16,920
Speaker 1: what notable changes to the tax code have happened recently

182
00:10:17,040 --> 00:10:20,079
Speaker 1: or do you expect to happen as the Trump administration

183
00:10:20,160 --> 00:10:20,559
Speaker 1: gets going.

184
00:10:22,280 --> 00:10:25,080
Speaker 2: So I think there's going to be a lot with

185
00:10:25,240 --> 00:10:29,160
Speaker 2: the Tax Cuts and Jobs Act. When President Trump was

186
00:10:29,160 --> 00:10:30,840
Speaker 2: president in the first term, he had a lot of

187
00:10:30,840 --> 00:10:33,720
Speaker 2: stuff that was going to be Basically he expected to

188
00:10:33,720 --> 00:10:35,120
Speaker 2: be re elected and he had a lot of stuff

189
00:10:35,120 --> 00:10:38,560
Speaker 2: in the tax law that was expiring right after where

190
00:10:38,559 --> 00:10:41,439
Speaker 2: there's the second term, so it's expiring now they're probably

191
00:10:41,480 --> 00:10:43,640
Speaker 2: going to make changes and keep a lot of the things.

192
00:10:44,160 --> 00:10:46,480
Speaker 2: And also a lot of things that have changed are

193
00:10:47,320 --> 00:10:50,080
Speaker 2: the numbers, like the standard deduction went up a little

194
00:10:50,080 --> 00:10:55,280
Speaker 2: bit for twenty twenty four, and a little bit of numbers.

195
00:10:55,280 --> 00:10:57,640
Speaker 2: You know, for example, the art didn't come credit. So

196
00:10:58,760 --> 00:11:00,800
Speaker 2: we talked about the other end of this. For example,

197
00:11:00,800 --> 00:11:04,199
Speaker 2: suppose you have three kids and you're making under sixty

198
00:11:04,200 --> 00:11:08,079
Speaker 2: six eight nineteen. The government will give you seven eight

199
00:11:08,120 --> 00:11:10,280
Speaker 2: hundred and thirty dollars, but is give them will give

200
00:11:10,280 --> 00:11:14,439
Speaker 2: you the money, so you have those things. There's also

201
00:11:14,440 --> 00:11:17,640
Speaker 2: a change to the kittie tax. It's a small change

202
00:11:18,400 --> 00:11:21,960
Speaker 2: for kids that are under age nineteen. The first thirteen

203
00:11:22,040 --> 00:11:26,360
Speaker 2: hundred bucks is tax free. The next thirteen hundred bucks

204
00:11:26,440 --> 00:11:28,800
Speaker 2: is taxed at the child's right, so it's a little something.

205
00:11:29,600 --> 00:11:33,600
Speaker 2: Then the amounts for the flexible spending accounts and the

206
00:11:33,600 --> 00:11:38,720
Speaker 2: health savings accounts have gone up. So what are those things. Basically,

207
00:11:39,040 --> 00:11:42,079
Speaker 2: there are two different types of accounts where you can

208
00:11:42,120 --> 00:11:44,880
Speaker 2: put some pre tax money at i e. Don't get taxed,

209
00:11:45,960 --> 00:11:50,359
Speaker 2: and then you use it for healthcare. Now there's differences

210
00:11:50,360 --> 00:11:54,960
Speaker 2: between them, so and with an exception, you can't have both.

211
00:11:54,960 --> 00:11:58,079
Speaker 2: There's an exception, but we won't get into that right

212
00:11:58,080 --> 00:12:00,679
Speaker 2: now on Michelle. But for the most you say, well,

213
00:12:00,679 --> 00:12:03,679
Speaker 2: what's more important to me? And you look at these

214
00:12:03,720 --> 00:12:06,920
Speaker 2: and basically the best way to do it is their charts,

215
00:12:06,960 --> 00:12:09,440
Speaker 2: and you say, okay, well, a flexible spending account, here's

216
00:12:09,480 --> 00:12:14,640
Speaker 2: the advantages. With the health savings account, here's the advantages.

217
00:12:14,880 --> 00:12:18,199
Speaker 2: But basically the idea here is you get a tax deduction,

218
00:12:19,040 --> 00:12:23,000
Speaker 2: you use the money for medical and isn't that nice?

219
00:12:23,040 --> 00:12:25,600
Speaker 2: You don't have to pay tax on that amount of

220
00:12:25,640 --> 00:12:29,000
Speaker 2: your earnings. And the bottom line, for example, with a

221
00:12:29,000 --> 00:12:31,840
Speaker 2: health savings account, you can triple benefits. There's no taxes

222
00:12:31,840 --> 00:12:34,679
Speaker 2: on the money you put it in, it grows tax free,

223
00:12:35,040 --> 00:12:37,240
Speaker 2: and there's no taxes when you use it for medical bills.

224
00:12:37,440 --> 00:12:39,880
Speaker 2: So again, I mean, you look at this stuff and

225
00:12:39,920 --> 00:12:43,600
Speaker 2: you say, well, okay, why shouldn't I have it? There's

226
00:12:43,600 --> 00:12:45,880
Speaker 2: so much in tax Lobbrady complaints about their taxes. My

227
00:12:45,920 --> 00:12:50,719
Speaker 2: taxes are too much. They're that, but people overlook all

228
00:12:50,800 --> 00:12:54,400
Speaker 2: these benefits. And again I'm just throwing out a few

229
00:12:55,040 --> 00:12:58,680
Speaker 2: samples and teasers. There's so much there. If you're interested

230
00:12:58,720 --> 00:13:02,320
Speaker 2: in this to me. This has fascinated me my whole life,

231
00:13:02,520 --> 00:13:05,040
Speaker 2: and it's here. It's available for everybody.

232
00:13:05,600 --> 00:13:07,280
Speaker 1: Well, if you want to get in touch with Stephen,

233
00:13:07,600 --> 00:13:09,720
Speaker 1: his number is one Triple A Tax Deal. It's one

234
00:13:09,760 --> 00:13:12,680
Speaker 1: triple A tax Deal, Stephen. It's always a pleasure. Thanks

235
00:13:12,679 --> 00:13:15,520
Speaker 1: for the time, interesting and fun as always, be well.

236
00:13:16,200 --> 00:13:18,079
Speaker 2: Thanks so much. I had a great time as always.

237
00:13:18,080 --> 00:13:19,720
Speaker 2: Thanks for inviting me all right.

238
00:13:19,640 --> 00:13:19,960
Speaker 1: Thanks

239
00:13:21,559 --> 00:13:22,880
Speaker 2: Extra large