The Biggest Tax & Wealth Lessons I Learned in 2025 Most People Miss These

As we wrap up 2025, I’m sharing the biggest tax, wealth, and business lessons I’ve learned this year—many of which even seasoned high-income earners and investors completely miss.

In this episode, I break down real strategies and mindset shifts around:

• Advanced tax planning most people never hear about
• How high W-2 earners can unlock liquidity before tax season
• Using credit card points, healthcare planning, and estate strategies more intelligently
• Why eliminating taxes at all costs is often a mistake
• The single most important question I now ask every client:
“What do you want to do with the cash?”
• How tax planning can buy back your time, not just save money

This isn’t theory. These are real strategies we’re actively using with entrepreneurs, real estate investors, and high-income professionals right now.

If you’re serious about reducing taxes strategically—while still building wealth, liquidity, and freedom—this episode will open your eyes.

Want to see what may be possible for YOU?
Request a personalized Opportunity Report here:
https://ProsperlCPA.com/opportunityre...

I’ll personally review your situation and send you a short video outlining potential tax strategies tailored to your income, investments, and goals.

00:00 End of 2025: why tax planning never stops
00:26 Building a system that adds new strategies every year
01:08 What I learned in 2025 and how it helps you
01:57 Credit card points: the advanced play
02:32 Turning payroll spend into points and deductible fees
04:31 Why points are not taxable and how gifting travel can work
05:04 Estate planning moves that can create deductions now
07:27 Healthcare deductions: HRA and when it works
08:59 Real estate investor workaround: spouse + HRA
10:21 The most powerful move: adjust W-2 withholdings
11:59 Stacking solar credits when deductions hit limits
13:05 Gift leaseback: income shifting and additional write-offs
14:40 Nonprofit strategies and the Google ad grant angle
16:05 Leadership lesson: setting expectations with clients and staff
18:12 The key planning question: what do you want to do with cash
20:40 “Never let a good tax bracket go to waste”
21:48 Roth conversions and low-bracket opportunities
22:36 Finding the “sweet spot” for deductions and credits
23:48 When paying some tax is actually the best move
25:09 Follow-through: accountability drives ROI on strategies
26:17 Oil and gas investing: structures, risk, and tax benefits
28:22 Focus: the 20% of the 20% that moves everything
32:14 Profit First and “vacation first” mindset
35:32 What tax planning is really for: liquidity, time, and life
36:18 Next steps: opportunity report and hiring