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It’s called a 401K or HSA…

One is free from federal and state tax up to $23K (well $30.5K for me this year - check my username) and one is free from Federal, State and FICA up to $4250 if you’re single or $8500 if married.

That means I can shelter $39K from taxes.

That $20K is over half the allowable amount.



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