How I borrowed over $250,000 at 0% interest, saving $30k in taxes, $6k+ in interest, and earning $2,000+ in bonuses.| Go Curry Cracker!
How we get the maximum value out of Hotels.com Rewards and Gift Cards. Hotels.com free nights| Go Curry Cracker!
Free furniture?! Yes, free, as in $0. We’ve all seen the “Free” sign on the street corner next to the fragrant, dirty, and ugly sofa. Is that urine I smell? Or remember that crappy couch that you had in college? The one you bought for $20, and you needed help getting up from the damn […]| Go Curry Cracker!
Credit card rewards: Free flights, free hotel nights, cash back| Go Curry Cracker!
Advertiser Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Opinions, reviews, analyses & recommendations are the author’s […]| Go Curry Cracker!
We retired in our 30s to travel the world and start a family. Through the power of travel hacking, tax minimization, geographic arbitrage, medical tourism, and financial independence through aggressive saving, we aspire to help others do the same.| Go Curry Cracker!
Once upon a time, President Obama told the nation, “If you like your health insurance, you can keep it.” Our insurance company recently sent us a letter informing us that because our policy did not comply with the requirements of the Affordable Care Act, it will no longer be available. We aren’t the only ones […]| Go Curry Cracker!
The health savings account is triple tax advantaged. But did you know it is double FAFSA blind? Using an HSA instead of a 529 can save thousands on college.| Go Curry Cracker!
GCC: Tax Day is just around the corner, so what better time to showcase someone who has gone head-to-head with the US tax code and come out the victor. Today’s guest post is by the Frugal Professor, and he is here to highlight how the Earned Income Tax Credit has accelerated his family’s path to […]| Go Curry Cracker!
After 6 years of early retirement and world travel, our tax minimization strategy is working harder than we are.| Go Curry Cracker!
In our years of retirement we have become accustomed to certain things... which means as far as employment is concerned, retirement has completely ruined me| Go Curry Cracker!
When we last checked in with our young aspiring early retiree, he was buried under a mound of mortgage debt, out of cash, out of hope, and spending his evenings playing David Gray songs on the guitar while imbibing gin and tonics so he could sleep Will he forever be locked in the pit of […]| Go Curry Cracker!
We have been retired for 10 years. Here are 10 things I've observed along the way.| Go Curry Cracker!
10:00 pm. Maybe I should go home, its been a long day at the office since I got here at 8 this morning. It’s been a busy few months actually. A trip to Japan, a trip to Korea, a couple days in China, several late night conference calls, and email from the time I rise […]| Go Curry Cracker!
It is a lot easier to sell a blog than I thought. It was interesting to explore how blogs are valued and how business sales are taxed.| Go Curry Cracker!
How we made some accidental income through blogging| Go Curry Cracker!
How we used our free night certificates and some points to get $2,665 worth of hotel stays for less than $800. With more to come.| Go Curry Cracker!
Do you qualify for ACA premium subsidies? See theFederal Poverty Levels (FPL) for Obamacare subsidies and how to optimize your health plan.| Go Curry Cracker!
How to reduce your tax burden through use of the Home Office tax deduction| Go Curry Cracker!
Depreciation can turn stuff we already own or were going to buy anyway into tax deductions for our business, and even a 0% loan from Uncle Sam.| Go Curry Cracker!
It’s that time of year again, when the world’s financial bloggers converge to communicate, collaborate, and carouse, aka FinCon. We will miss out since we are back in Asia, but hundreds of others will be converging in Dallas this week. As with any gathering that involves travel, there will be airplane tickets and hotel rooms, […]| Go Curry Cracker!
For the beginning travel hacker, which credit cards should you get first and why? This article walks you through your first 5 cards.| Go Curry Cracker!
Review of the latest changes to the Sapphire products.| Go Curry Cracker!
A review of the new Chase Freedom Flex - a big expansion of benefits and Ultimate Rewards earning opportunities.| Go Curry Cracker!
Advertiser Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Opinions, reviews, analyses & recommendations are the author’s […]| Go Curry Cracker!
10,000 years ago, the average cost of communicating with friends and family was zero. There were no phone bills, no cell phones, and no post office. Since extended families all lived in the same geographical area, there was really no need for these things. Somehow it worked, and friends were able to meet-up without calling […]| Go Curry Cracker!
How do you pack when you travel forever?| Go Curry Cracker!
Strategies for meeting credit card minimum spend requirement to maximize value.| Go Curry Cracker!
What are the best options for award flight redemption to Europe? We explore the options for Economy and Business class flights.| Go Curry Cracker!
Advertiser Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. A little over a year ago, with […]| Go Curry Cracker!
How we plan to bring a family of four to Disneyland for a week for less than $25/person/day, including meals.| Go Curry Cracker!
Travel transfer partners for American Express Membership Rewards points, with ideas for fair valuation and earning more points.| Go Curry Cracker!
2024 Go Curry Cracker taxes - living the good life with a very reasonable tax burden| Go Curry Cracker!
How we use a Roth IRA Conversion ladder to beat the RMD. How we minimize lifetime taxes and maximize wealth| Go Curry Cracker!
Thoughts on minimizing taxes and maximizing ACA subsidies.| Go Curry Cracker!
By living a semi-nomadic life outside the US, it is possible to pay no income taxes while earning more than $100,000.| Go Curry Cracker!
There are a lot of tax minimization tools at the disposal of early retirees. The FEIE and tax credits saved us nearly $10,000 in tax this year.| Go Curry Cracker!
What our early retirement portfolio looks like in 2021, with an assement of how things have changed over the past 9 years.| Go Curry Cracker!
How we routinely get 500%+ return on annual fees.| Go Curry Cracker!
2 common worries for beginning travel hackers are credit score and annual fees. This post explains why neither of those is cause for concern.| Go Curry Cracker!
I let Discover lend me nearly $20k at 0% and invested it in short-term treasuries yielding 5%+ for a quick and easy $2k profit.| Go Curry Cracker!
By combining cash back shopping portals and discount gift cards, we can get HUGE discounts on stuff we are already buying.| Go Curry Cracker!
Intentionally contributing to a 529 plan in order to maximize a future 529-to-Roth rollover seems like way more hassle than it is worth.| Go Curry Cracker!
If annual income is higher than estimated, repayment of advanced premium tax credits (APTC) may be limited. This results in 0% tax rate region.| Go Curry Cracker!
Tax planning and filing doesn’t need to be difficult. This calculator can help with estimating taxes and provide guidance for tax minimization both now and in the future. Tax Calculator Input Year 20182019202020212022202320242025 Filing Status SingleMFJ – Married Filing JointlyMFS – Married Filing SeparatelyHead of Household Ordinary Income Qualified Income Adjustments Itemized Deductions Foreign Earned […]| Go Curry Cracker!
Working a bit in (early) retirement is a good way to fill some time and pad the bank accounts. No right/wrong about it.| Go Curry Cracker!
Stepping outside the US for a year is a great way to kickstart your retirement. It is a clean break that provides substantial mental and financial benefits.| Go Curry Cracker!
Evaluating the overall financial impact of moving to California, including taxes and health insurance premiums. Now and in the long term.| Go Curry Cracker!
Blogging is a wonderful way to create rather than consume, building community and finding happiness in the process. Costs are low, so profit is quick.| Go Curry Cracker!
Free night certficates are a very nice credit card feature that easily compensates for any annual fees. We have many of these cards.| Go Curry Cracker!
Calculate your maximum health insurance premiums - includes ideas and suggestions to maximize subsidies and minimize income taxes.| Go Curry Cracker!
How much do I owe in Self-Employment Taxes? How much can I contribute to an IRA? This calculator answers both of these questions and more.| Go Curry Cracker!
About a year ago we flew from Asia to Europe to begin a 4 month tour. We spent a month each in Spain, Italy, and UK/Ireland, and a handful of weeks in Portugal, Czech, Germany, Denmark, and Iceland. This was a big chunk of Jr’s 16 countries visited in his first 16 months. Notably absent from this […]| Go Curry Cracker!
Which cards offer the best cash back returns for normal everyday spending?| Go Curry Cracker!
Transfer partners for Chase Ultimate Rewards program| Go Curry Cracker!
For the 3rd year in a row we are circumnavigating the globe with free flights. This year we will spend time in Spain, the Baltic States, Scandinavia, and the US.| Go Curry Cracker!
The travel industry has experienced a gigantic upheaval since the onset of COVID-19. Stock markets are down 25-30%, jobless rates have reached unprecedented levels, and airlines have come to a screeching halt. Since it is unclear when things might return to “normal”, and many can benefit from cash now vs travel later, here are three […]| Go Curry Cracker!
The IRS updates the tax brackets every year. Here are the standard deductions, tax rates, and income levels for 2019, 2020, and 2021.| Go Curry Cracker!
Long-term capital gains have beneficial tax rates as low as 0%. Here are the capital gains tax rates that apply to different incomes for 2019, 2020, & 2021.| Go Curry Cracker!
2020 was our 8th full year of this thing we do. It’s been an incredible ride – we’ve traveled, adventured, and procreated, with the best yet to come. We’ve also done a fair amount of tax optimization, paying little tax each year while taking steps to minimize future taxes. Do these optimization efforts actually work? […]| Go Curry Cracker!
In the tax minimization game, which is more important, Roth conversions or capital gain harvesting? I explore the two in this post.| Go Curry Cracker!
As part of moving back to the US / California, we are considering harvesting massive capital gains. 15% tax now is better than 23%+ tax later.| Go Curry Cracker!
The FEIE can result in significant reductions in taxable income and adjusted gross income, leading many to assume there is an opportunity for harvesting large capital gains.| Go Curry Cracker!
For 5 years now we had income of $100,000 and paid $0 in income tax. Roth conversions and capital gain harvesting mean future income will be tax free too.| Go Curry Cracker!
How do I love off just dividends? Simple. I don't. Realizing capital gains and spending some principal is a fine way to pay the bills in retirement.| Go Curry Cracker!
We had a bit of a cash flow crisis this month. A margin account is a great solution.| Go Curry Cracker!
How to quickly get massive amounts of cash in foreign countries with no fee International ATM cards with market exchange rates via the International ATM Bonanza.| Go Curry Cracker!
There is an abundance of (seemingly) free crap in the world. Free latte! (just fill out this survey!) Free phone! (with two year contract.) Free whatchamacallit junk (just pay shipping and handling.) Free puppies! (take two!) But sometimes, there are some real gems to be had. In our old apartment, most of our high end […]| Go Curry Cracker!
Follow this simple 4-step tax strategy to reduce taxable income and eliminate taxes. It is our goal to never pay taxes again, legally and respectfully. Maybe you too can pay zero taxes.| Go Curry Cracker!
We got a mortgage on our house and invested most of the proceeds. This is how we have faired for total return on investment.| Go Curry Cracker!
About a year ago we bought a house, paid in full with cash. Then I got a small mortgage as an inflation hedge and to invest for fun and profit (or loss.) We used a chunk of the mortgage to fund moving expenses and to acquire all of the typical home accoutrements, put solar on our […]| Go Curry Cracker!
Another year of zero income taxes on dividends and blog income, but a massive tax bill on a capital gain harvest. Plus tax and travel hacking synergies.| Go Curry Cracker!
Prior to 3 weeks ago, I hadn’t seen my credit score in more than 12 years. I couldn’t care less about it. In fact, I don’t even need one. And yet this strange and mysterious number seems to loom over the lives of people like the specter of death. Comments and emails about credit score […]| Go Curry Cracker!
Why a ROTH IRA and 401k are the worst possible choice of investment vehicle.| Go Curry Cracker!
In retirement, we want 100% of our Roth conversions to be taxable income. The goal is to pay tax now at a lower rate rather than we would pay later.| Go Curry Cracker!
Solo 401k contribution calculator for the self-employed and side hustlers. Includes employee, employer, catchup, and after-tax contributions.| Go Curry Cracker!
If I have to pay some taxes, I at least better get a free trip to Hawaii out of the deal. With credit card signup bonuses, we can.| Go Curry Cracker!
Early retirees willing to earn up to $2k/year/person can use the Saver's credit to do massive Roth conversions at a 0% federal tax rate.| Go Curry Cracker!
A detailed tax review of an early retirement household, highlighting how to maximize the tax code to never pay taxes again.| Go Curry Cracker!
The core recipe to tax free living shown with our actual tax return.| Go Curry Cracker!
Earning a little income in your retirement years is becoming increasingly common. Some choose to work part-time for benefits or socialization or fun, and others accidentally make a little extra while pursuing their hobbies or passions. With a powerful investment portfolio behind these (early) retirees, this income is often just added to a Roth IRA […]| Go Curry Cracker!
What are transferrable currencies? And what makes them so valuable for booking flights and hotels for pennies on the dollar?| Go Curry Cracker!
Advertiser Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CardRatings.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Opinions, reviews, analyses & recommendations are the author’s […]| Go Curry Cracker!
An introduction to Award Travel - leveraging rewards programs to travel more frequently and luxuriously while paying less out of pocket.| Go Curry Cracker!
How to get to Hawaii using Ultimate Rewards Points| Go Curry Cracker!
A few years ago we bought a house, paid in full with cash. Then I got a small mortgage as an inflation hedge and to invest for fun and profit. We used a chunk of the mortgage to fund moving expenses and to acquire all of the typical home accoutrements, put solar on our roof, and pay the […]| Go Curry Cracker!
The process I used to select our ACA health insurance policy.| Go Curry Cracker!
Tax-loss harvesting - transform low-value capital losses into high-value ordinary losses and get regular portfolio withdrawals with no taxable income.| Go Curry Cracker!
How we use the 4% rule to live the life of our dreams with a minimum number of years working| Go Curry Cracker!
Over the long term, a greater percentage of stock sales become capital gains. The tax impact can be significant. Capital gain harvesting is a solution.| Go Curry Cracker!
How we get access to cash that is legally restricted and minimize taxes in the process via legal money laundering.| Go Curry Cracker!
Advertiser Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. Every sovereign nation has a different name […]| Go Curry Cracker!
So you’re retired. And now you want to buy a house without paying cash? Yes, that is doable. Asset Backed Mortgages A typical bank wants to see predictable income in order to lend money. I suppose the logic is that if you get paid regularly then you will pay them regularly (actually, you will pay […]| Go Curry Cracker!
How I paid off $40k of student debt in 5 years despite making all of the classic mistakes| Go Curry Cracker!
The end of the calendar year is quickly approaching, and that means it is time to run through our year-end tax checklist. The simpler the better. Here are a few important items to review and actions to take. Year-End Financial and Tax Checklist Re-Subscribe to Go Curry Cracker! I am ending my email distribution list. […] The post A Simple Year-End Tax Checklist appeared first on Go Curry Cracker!.| Go Curry Cracker!
I avoided selling stock to pay our bills during a down market by using low-APR loans and 0% credit cards, for a profit of up to 40%.| Go Curry Cracker!
“Are you ready to learn how to change the oil in the car?” 12-year-old me: “Dad… when I am old enough to have a car, I will pay somebody to do that.” Now adult me finds himself doing all kinds of things (no oil changes though cuz EV.) Why is that? DIY – Do It […] The post D I Why? appeared first on Go Curry Cracker!.| Go Curry Cracker!
The Go Curry Cracker 2023 taxes - faring well on the quest to never pay taxes again, with high taxable income and minimal taxes.| Go Curry Cracker!
At age 59.5, all access restrictions to 401ks and IRAs are removed. Sometimes people want to retire before then. (Hard to believe, I know.) But what if most/all of your savings and investments happen to be in a retirement account? Or you prefer to hang on to the investments in your taxable account? Fortunately there […]| Go Curry Cracker!
Retirement is the part of life where you spend more than you earn. Spending money comes from stock sales. That is normal and sustainable.| Go Curry Cracker!