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Taxes

Taxes articles from the Planned team.

Taxes
Matt SchubergMatt Schuberg, CFP®

Should I Adjust My W-4 for a Smaller Refund? (The Math)

Yes, if you get over $1,000 back each year. How to adjust your W-4 for a smaller refund, what that cash is really worth, and the penalty line to stay above.

·7 min read
Taxes
Matt SchubergMatt Schuberg, CFP®

Itemize or Take the Standard Deduction? (A Quick Test)

Itemize only if mortgage interest, state and local taxes and giving beat the standard deduction: $16,100 single or $32,200 married. See the 2026 numbers.

·7 min read
Taxes
Matt SchubergMatt Schuberg, CFP®

Is a Backdoor Roth Worth It? (Run These 3 Checks)

A backdoor Roth is worth it if you're over the 2026 Roth IRA income limit and hold no pre-tax IRA. Here are the three checks to run before you move a dollar.

·7 min read
Taxes
Matt SchubergMatt Schuberg, CFP®

HSA vs FSA: Which One Should You Pick?

HSA vs FSA: pick the HSA if your health plan qualifies, since the money rolls over and stays yours. See the 2026 limits and how to size your contribution.

·8 min read
Taxes
Matt SchubergMatt Schuberg, CFP®

Roth vs Traditional 401(k) in Your 30s

Roth or traditional 401(k) in your 30s? The answer turns on one comparison: your bracket now versus in retirement. See the 2026 numbers and a simple rule.

·6 min read
person holding paper near pen and calculatorTaxes
Matt SchubergMatt Schuberg, CFP®

Tax-Advantaged Accounts Explained (2026 Guide)

Tax-advantaged accounts like 401(k), IRA, and HSA can save you thousands each year. Learn how each account works, contribution limits, and which to prioritize.

·9 min read