Money Mogul

Money Mogul

Sharp personal finance for everyday wealth builders

money-mogul

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Your 401(k) limit ≠ your employer match 💰

Oct 23, 2026

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3 min read

Your 401(k) limit ≠ your employer match 💰

The $24,500 employee limit doesn't include your match — that bonus goes into a separate bucket

money-mogul

+1

Prepay Jan mortgage by Dec 31 💰

Oct 22, 2026

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3 min read

Prepay Jan mortgage by Dec 31 💰

Itemizing in 2026 but taking the standard deduction in 2027? Bunch your deductions before year-end.

2026-10-21

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Your $4K refund = interest-free loan 💸

Oct 21, 2026

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3 min read

Your $4K refund = interest-free loan 💸

Stop giving the IRS free money. Adjust your W-4 by November, get $330/month back in your paycheck.

money-mogul

+1

Already maxed your 401(k)? Try this next 💰

Oct 20, 2026

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3 min read

Already maxed your 401(k)? Try this next 💰

You hit the $24,500 cap. Here's where your next dollar goes for maximum tax advantage.

2026-10-19

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Your ISO exercise = $18K phantom tax 💸

Oct 19, 2026

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3 min read

Your ISO exercise = $18K phantom tax 💸

Exercise incentive stock options without selling? The AMT spread just became real income.

money-mogul

+1

Your leftover 529 → Roth IRA ✅

Oct 18, 2026

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3 min read

Your leftover 529 → Roth IRA ✅

New rule lets you roll up to $35K from a 529 into a Roth IRA — no taxes, no penalties. The college-savings escape hatch.

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