02/06/2026
💯 Priceless Tip of the Week (for anyone NOT on W-2)
Avoid unpleasant surprises in retirement.
If you’re self-employed, running a business, or showing losses year after year, your income history can impact future retirement outcomes — often in ways people don’t realize.
Yes, the system may change by the time we retire (and it probably will).
But understanding how income is currently treated helps you make informed decisions.
And if you’re in your 20s — this matters even MORE.
Years with little or no reported income can influence long-term averages.
📊 Questions to discuss with your CPA or tax professional this season:
• Does my business income currently count toward Social Security?
• How do low-income or zero-income years affect long-term benefits?
• What are the pros and cons of showing taxable profit vs. losses?
• How do tax strategies today impact retirement later?
• What options exist for balancing taxes and future planning?
☕ Small choices today can shape very different retirements tomorrow.
Educational content only — not financial or tax advice. Consult a professional for personal guidance.
