Cam Marzi

There's a 0% federal capital gains tax rate. It's not a loophole. It's sitting in the tax code, available to millions of people every single year. Most Americans have no idea it exists. Here's how it works:

@SparkingFIRENC Have you tried budgeting a good chunk of unexpected expenses each month.. that way when there’s none it feels like a win and when they do come up it feels like part of the plan?

So far this week we have spent $120 that we weren’t expecting -$30 because our cat ate our leftover meatloaf so we had to go out for lunch 😅 -$35 bill -$55 in stuff we were asked to pick up for a party Anyone who knows me knows that unexpected expenses like this make me physically tense up Sure, we make plenty to be able to afford it, but my scarcity mindset comes out anytime an unexpected expense comes up I’m doing my best to remember to live in the moment and not let things get to me Slowly and surely I am in fact getting better at spending money “unintentionally” when needed

@T_Rey_19 Yep I agree

@Invested_In_You All the “tax loopholes” people talk about are just in the tax code, but no one reads or understands it. All the “secrets the wealthy don’t want you to know” aren’t secrets. It’s storytelling marketing. Not hating on this, it’s good info. Just highlighting what you said 2nd.

There's a 0% federal capital gains tax rate. It's not a loophole. It's sitting in the tax code, available to millions of people every single year. Most Americans have no idea it exists. Here's how it works:

@darrelltalksfi The best account of them all!

Grabbed drinks with a buddy of mine last night He already maxes out his 401(k) and IRA But still has $20k sitting in savings and doesn’t know where to invest it I told him: open a brokerage account Most people miss this step 5 reasons brokerage accounts are so underrated: 🧵

@thejohnhenry_ Avoid debt at all costs if it isn’t buying you an asset

Debt is a trap. It can start with: - $40,000 in auto loans. - $20,000 on credit cards. It can lead to a: - $20,000 personal loan. - $20,000 buy now pay later loan. That's $100,000 of stressful debt. Not playing this game = A freer life.

@lindsaybitcoin That’s a great tradition!

Every year my wife and I take PTO for the first 2 days of March Madness. We go to the spa before the Thursday games start then we park ourselves on the couch with a 3 tv set up, hangout, watch basketball and eat. It’s my favorite weekend of the year!

@Greiser It’s a shame so many people don’t know about it

@Invested_In_You The 0% bracket is one of the most powerful and most ignored tools in tax planning. Low income years, early retirement, career transitions. The window is real. Most people don't know to look for it.

@thealexxroy Seriously!

@Invested_In_You Sounds like a hidden gem in the tax world. Reminds me of finding that perfect spot while traveling ... unexpected surprises can be the best.

@FranWalsh73 Always comes in handy

@Invested_In_You Great piece here. With the right planning this can be a game changer in retirement

@Greiser Very interesting! There’s so many niche rules like this for each state. Great thread!

Pennsylvania gives you a choice most people don't know they have. Pay taxes to the State. Or fund private school scholarships. Same dollars. Your call. Here's how one client is redirecting $9,000 of her state tax bill away from Harrisburg every year: ↓

@Ashton_1nvests When you feel uncertainty creep in, there are opportunities around

The biggest opportunities come with the most doubt. That’s the price of upside.

@TheMattViera Thanks Matt💯

@Invested_In_You Valuable information Cam. All the more reason for people to explore their options by consult with financial or tax professional.

@SparkingFIRENC True that! Having optionality fixes a lot of stress

There is so much less pressure at work when you're financially stable

@FranWalsh73 A guaranteed after tax return of 7% is hard to beat!

Your mortgage rate is the key variable in this decision. Below ~5%: investing the difference may win on paper. Above ~6%: paying it off starts to compete. Above ~7%: the math often favors paying it off. Here's the full framework ↓

@TheMattViera I know long term teachers making around that much. There’s definitely a pretty low ceiling but $100k is fairly common

For everyone asking, “Where are teachers making $100k+?” One place teachers make $100k+ is New York City.

@MarketPalmer_ It’s one of the most crucial skills

If schools are teaching us: – Cursive – Calculus – Bunsen burners – How to dissect a frog They should be teaching personal finance as well.

That's a wrap, thanks for reading! If you enjoyed this thread, make sure to: 1- Follow me @Invested_in_You for more content like this 2- Share the first post in this thread with someone who needs to see it! Disclaimer: this thread is for educational purposes only.

Most people treat capital gains as something that just happens to them. The ones who plan around it treat it as one of the most powerful levers in their entire financial picture.