2 years of my tax returns went through an IRS field audit. April 2023: "No changes recommended." Zero adjustments. Zero penalties. Zero back taxes. Because every structure I used was already written into the tax code. → Here is what each of the 6 does: ▸ HSA (triple tax-advantaged) - Deduct the contribution from your W-2 today - Invest it, don't just hold cash - Pull it out tax-free for any medical expense, ever - Pay bills out of pocket, save receipts, reimburse yourself in 20 years when it's grown 10x ▸ Backdoor Roth IRA (high-income loophole) - Direct Roth phases out at $153K single / $242K married in 2026 - Contribute to a traditional IRA (no income limit) - Convert to Roth the next day - File Form 8606 - Watch the pro-rata rule if you have pre-tax IRA balances ▸ Solo 401k (self-employed cheat code) - Any self-employment income qualifies - Contribute as employee AND employer - Employee side: $24,500 in 2026 - Combined: $72,000 per year - Spouse on payroll can double it ▸ STR + cost segregation (W-2 tax killer) - Average guest stay under 7 days - Materially participate (100+ hours, more than anyone else) - Losses become non-passive and offset your W-2 - Cost seg study breaks property into 5, 7, 15 year assets - Bonus depreciate 100% under OBBBA - One $600K property creates $120K+ in paper losses ▸ Employing your kids - Pay them a reasonable wage for real work - Up to $16,100 per year = $0 federal income tax for them - 100% deductible to your business - No FICA or FUTA if sole prop or parent-only partnership - Their earned income opens a custodial Roth IRA - $7,500/year compounds to ~$1M by retirement untouched ▸ Augusta Rule (§280A) - Your business rents your personal home up to 14 days/year - Works with S-corps, C-corps, partnerships, multi-member LLCs - Charge fair market rate from local comparables - Rental income is 100% tax-free to you - Business deducts the entire rent - Document with a lease, invoice, and board minutes Every entry in my audit came from a page the IRS wrote themselves. The ones who stay stuck pay CPAs to file. The ones who break out pay them to plan. Follow for more. — @thelegacyinvestingshow TikTok