Understand the taxation of dividends vs. interest income

Defer income strategically across tax years

Know the difference between itemized and standard deduction

Use loss harvesting to offset gains and reduce tax liability

Understand how capital gains are taxed short vs. long term

Check if you qualify for the earned income tax credit

Plan charitable donations for maximum deduction value

Use tax-advantaged accounts like HSAs and 401(k)s

Track business expenses throughout the year, not just at tax time

Use a CPA if your finances include business or investments

Understand how tax brackets apply to your full income

Maximize your refund by organizing deductions early