← So Money with Farnoosh Torabi
So Money with Farnoosh Torabi
1920: Ask Farnoosh: Tax on Bitcoin? How to Negotiate Workplace Benefits?
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- [00:00]
Ryan Reynolds
Okay, only 10 more presents to wrap. You're almost at the finish line. But first. There the last one. Enjoy a Coca Cola for a pause that refreshes.
- [00:30]
Farnoosh Torabi
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You're listening to so Money with award winning money guru Farnoosh Torabi. Each day get a 30 minute dose of financial inspiration from the world's top business authors, influencers and from Farnoosh yourself. Looking for ways to save on gas or double your double coupons. Sorry, you're in the wrong place. Seeking profound ways to live a richer, happier life. Welcome to so Money.
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Welcome to so Money, everybody. I'm Farnoosh Tarabi. December 19, 2025. We have questions today about bitcoin. Believe it or not, Lori in the audience has just received the gift of bitcoin worth about $18,000. And she's wondering, because she listens to this podcast and she's financially responsible, what is going to be my tax responsibility when I sell this, when I sell this currency? We have questions about how to negotiate benefits with your employer, ways to invest in your health, and do you have to pay taxes if you get money from a whole life insurance policy and not a death benefit? We'll get to those questions in a moment. But before we get things going, I just want to say happy birthday to my bff Kathleen Kate. We call her Daly, whom I met in college, first day of school at Penn State. And I write about her in a chapter about FOMO in a healthy state of panic. And I just love her. So I wanted to kick off the show on that happy note. It's a big month for birthdays. In fact, my sister in law Hannah, so celebrated her birthday on December 15. My husband's birthday is he's a winter solstice baby and my son actually is a summer solstice. He's June 21st. What is that about? My, my son actually asked me, he's like, why, why did that phenomenon happen? I didn't have a good answer other than just, I don't know. Good luck. Just to let you know how the rest of the year is gonna play out, we're gonna be looking back over the next couple of weeks at the best episodes of the year. It's a tradition here on the podcast where we take all of the episodes, all hundreds of them, from 2025 and into different themes that seemed to pop up over the days and months of 2025. And we'll highlight them in case you missed any of them. It's an opportunity to get snippets and then go back and listen to them for more deep dives. But stay tuned for that all of next week and then the following week. Different themes from retirement to women and money to midlife money issues. So make sure you hit that subscribe button so you get those episodes in case you missed any of our episodes this week. On Monday, I sat down with Rose Hahn. She's a famous YouTuber and a money educator, author of the new book At a Zero. And she exposed how she went from having about six figures of debt to now a seven figure net worth. And it wasn't because she chased any fancy investments or any overnight wins, but really this radical rethinking of her relationship with money and work and freedom. And then on Wednesday, Dr. Corrine Lowe stopped by the podcast. She's a professor at Wharton at University of Pennsylvania and the author of a new book called Having it what Data Tells Us About Women's Lives and Getting the Most out of Yours. She has spent the last 15 years studying how women actually live, like how we work, how we partner, how we parent, and how we divide time and labor inside our homes. And her research is pretty sobering and uncomfortable, basically finding that as our careers have evolved, very much so, the structure of marriage and household label has barely changed since the 70s. So she walks us through the data, but also gives us a lot of new advice, fresh advice for how to reshape reorganize households, why talking about fair isn't always the right goal, and why sustainability, nourishment and evidence based decision making matters more than ever A quick announcement for anybody who is interested in joining my so Many Members Club. If you go to so Many Members right now, between now and the end of the year and you hit that subscribe button, you will get the first two months of your subscription for free. I've never done this before. I don't know why I'm doing it. So sign up before I change my mind. But I wanted to just offer this because I know many of us are really worried about 2026. We're looking for community. I know many of you have been curious about joining the club and this is my invite to you. I you can cancel at any time after the two months are over and you want to continue. Then you pay the regular price, which is $39 a month. So this is a savings at least of $78 for these two months. To try it out. We'll have live workshops, there'll be office hours. There's a library of financial workshops that I have led over the last two years covering everything from investing to making more money, insurance, maximizing your credit card points, side hustles, you name it, we have covered it and we'll cover it again in 2026. But so many members.com if you'd like to hang out with us over the holidays and into the new year again, this offer expires at the end of the month. So if you want to start that free two month membership, you got to sign up between now and December 31st. All right, let's hit the mailbag. Our first question comes from Lori in the audience who has a question about bitcoin? She says farnoosh. My mom transferred gifted bitcoin to me this week. About $18,000. Woo hoo. We know it isn't taxable now or we believe it isn't, but if and when I sell it, how does that work? Will it be taxed at the transferred value or otherwise? All right, Lori, so I had to look into this for you. I had to go and check out what the IRS says about bitcoin. I'm not really following bitcoin. I've done a whole series on cryptocurrency on the podcast and my thesis has remained the since that series aired about a couple of years ago, which is that cryptocurrency is very new financial terrain. It's highly volatile, it's highly risky. It's not something that I'm going to look at for building true wealth. If you have extra money to throw at bitcoin like you would gambling or other sort of unpredictable financial turnout, then go for it. Look at it as this very volatile, risky endeavor, not something to really build a solid financial foundation upon. Are people going to get super rich off of cryptocurrency, particularly bitcoin? Of course, many people have already, as did people who bought Amazon for $5 a share or who bought real estate in 1960. For the most part, people build wealth in this country because they stick to a plan, investing in tried and true investments, creating a diversified portfolio and investing a little bit at a time and not taking huge risks, not putting too many eg in one basket. So in this case, Lori, I envy you. This bitcoin was essentially gifted to you by your mom. Question is, how will this $18,000 be treated by the IRS? So first things first, just to level set, Bitcoin, although it's a currency, is treated like property when it comes to tax regulation. Bitcoin and other cryptocurrencies classified as property for federal tax purposes by the IRS and as such they are subject to capital gains rules. The key here is understanding the concept of cost basis. When your mom gifted you the bitcoin, she also transferred her cost basis to you. And what is this? It means you inherited the price that she originally paid for the Bitcoin as your starting value for tax purposes. If you sell the bitcoin for more than you didn't say what she paid for it. So I'm not sure if it's less or more than the 18,000. If you sell the bitcoin for more than this original value, the difference is considered a capital gain and it will be taxed accordingly. Short term if it's held for less than a year, long term if held for longer. On the other hand, if the value of the bitcoin was lower at the time of the gift, so if it was, she paid more than $18,000 and you sell it at a loss, the IRS might adjust the cost basis to the fair market value at the time of the gift for calculating the loss. Just really important, you want to make sure you get the details of your mom's original purchase price because this is going to be a factor. It's going to be a critical factor when you report the transaction and it's how your taxes will be decided. And if you're unsure about any of this, always say consult with a tax professional for more guidance. But I think it's pretty straightforward in your case. You really want to go back to your mom and ask her how much did you pay for this? Do you have receipts? Then hold on to that when you go to sell it. If you sell it for more or less than what she originally paid for, then that is what will decide your tax impact. Coming up after our short break, we're going to talk about how to negotiate benefits at work from your salary to your 401k potentially and even equity getting a piece of the company pie. Also, smart ways to invest in your health more coming up after the break. Next, a question from Mary who writes in My question is about negotiating salary and other employee benefits when working for a small family owned business. I'm lucky my employer has given me a 6 to 8% raise every year I've been with them. However, I know this may not be sustainable for them and my yearly raise may eventually reflect the rate of inflation. They offer a simple IRA with a 1% match which isn't great but better than nothing. I contribute to that plus health insurance along with paying for my gas and cell phone bill. Are there any benefits I could be negotiating? My biggest question is should I consider negotiating equity in the company to set myself up for the future in case they sell the business? Thanks in advance for your expert advice and helping other women like me get rich. Mary, thank you so much for your question. You're doing a really good job reaching out, advocating for your yourself and I'm happy to know that you're getting some bit of a raise. 6 to 8% is above average. Typically employers give a raise that's commensurate with inflation, although not when inflation is high. Right. They usually just keep it at 2 to 3%, like target inflation. So 6 to 8% is above average. But I would like to see you making more eventually, like in the law, in the grand scheme of your career life, that is not going to be, I think, significant increases. So here are some ideas for you. The first is, can your employer do anything to enhance your current retirement plan? Can they increase the match in your IRA to 2%, 3%? This is actually an area for negotiation. And I think, in fact, with a smaller employer, it's at least a faster conversation, it's a faster line to the people who are in power to ask these questions. And before you go with your asks, I would actually talk to your colleagues about this and see if there's other interest of working together to create a proposal for your company. It is more compelling for your employer and even a little bit more pressure, good pressure for them to listen to you when they know that you have the backing of your colleagues. And frankly, increasing your IRA match, it might be more manageable for them than continually giving you large raises. Another thing you could negotiate with them is tying your bonus to your performance so that way they don't pay you more until you help them make more money. And I'm not exactly sure what you do, but are there ways where you can actually measure your impact financially? So, for example, we've had people reach out on this show who are in college admissions. And I remember very specifically one listener wanted to make more money and her college said, sorry, we can't give you more. She said, but what if I bring in more applicants? What if I can increase our admissions by 1% or 50 more kids, if we can absorb that? And I'm helping to get us to that point. At that point, I'd like to structure a bonus where I'm making a bonus tied to that extra enrollment. And they went for it. So think about your role, how you are directly or indirectly impacting the bottom line. And if you go above and beyond your deliverables, your expected deliverables for the year, then tying a bonus to that might more doable for your employer because in their mind you've helped them make more money, so they're going to give you a cut of that. Some other benefits to explore, how about professional development opportunities covering certifications, memberships, conferences? How about additional paid time off? How about wellness benefits or even flexible work arrangements? So these aren't the sort of things that will put money in your bank account necessarily. But investing in your education and professional development will allow you to then be in a position to make more because of that, right? You might meet people that might hire you for bigger jobs and don't tell your employer that's your goal. But you know what I'm saying, right? When you invest in yourself with the help of your employer, it's it's a long term investment in your income, frankly, and your career positioning. And then of course getting more paid time off or getting a flexible work arrangement, some money back in your pocket. But maybe you can leverage that flexibility to be able to cut costs somehow in your budget. I know some parents who have Fridays off, for example. That's one day they may not have to get childcare. So I'm really just encouraging you to think about benefits that may not be direct financial positives, but do lead to a richer life. I'm Farnish Tarabi, host of so Money and this episode is sponsored by Gelt. Feeling like your CPA is always one step behind, causing you to miss valuable tax advantages? Questioning if your tax plan is truly as optimized as it should be? That's where Gilt comes in. Gilt is a tax planning and strategy solution for you and your business. They're the modern alternative for entrepreneurs who feel like their CPA is reactive, not tech forward, and maybe not asking the bigger strategic questions about how your business is growing. What I love about Gelt is this they make taxes part of the business plan. With GEL, your partner in taxes, CPAs and AI align your tax strategy to how your business grows. That includes the real levers that matter, choosing the right entity structure, maximizing retirement contributions and uncovering hidden credits and deductions. All handled alongside your business and personal compliance. And GHLT is proactive. Your tax strategy gets revisited every quarter by a dedicated cpa, not just a tax time. No more slow replies. No more surprises. No more spreadsheets and email chaos. Just a slick dashboard, clear next steps and year round support. Schedule a call@joingelt.com today and learn how your taxes can become a lever for growth. That's joing.com and schedule your discovery call today. Farnoosh tarabi listeners get 10 10% off their first year of service. Just mention my name on your intake form. When it comes to holiday gifting, I really want to give things people will love. Pieces that feel special they'll wear for years. That's why I'm going with Quince this year. From Mongolian cashmere sweaters to Italian wool coats, everything is premium quality at a price that actually makes sense. Quince honestly has something for everyone. Those Mongolian cashmere sweaters I was talking about. They're $50 but look and feel like the designer versions. They've got beautiful silk tops and skirts if you're dressing up perfectly, cut denim for every day and outerwear that actually keeps you warm. And I'll just say the cashmere feels incredible. It's soft, structured and it doesn't pill. It's the kind of quality I'd expect from a $200 sweater, not $50. And they're not just about clothing either. Quinn's has amazing home bath and travel pieces. 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- [19:03]
Ryan Reynolds
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Farnoosh Torabi
Wishing you a very happy half off.
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Holiday because right now Mint Mobile is offering you the gift of 50% off unlimited. To be clear, that's half price, not half the service.
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Ryan Reynolds
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Farnoosh Torabi
Equivalent to 15 per month required new customer offer for first 3 months only. Speed slow 135 gigabytes of networks busy.
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Ryan Reynolds
Taxes and fees extra. C mintmobile.com.
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Farnoosh Torabi
Now as for equity, if you think that the business is headed for a sale then I think it's an interesting conversation to have. I will say though that family operated businesses can sometimes be hesitant to share ownership. So in that case, if this is important to you, consider proposing profit sharing or phantom stock instead. And what this does is it ties your rewards to the company's financial success without requiring them to give up ownership stakes. So if you want to go down the equity route, make sure that you understand the company's financial health, their goals, have a clear agreement about how your equity would pay out if the business was sold, and again here, working with your colleagues to come up with an overall, like, employee plan. Because if they're going to do this for you, they may have to then start doing it for others. So if you can actually do the legwork for them and say, here's what we would actually like, I've talked to our senior leaders, we've taken a survey. Here's what we would propose that's more meaningful. And I think that also skips a lot of steps and saves you time. Ultimately, just whatever you're negotiating, frame it as. I want to stay here, I want to be more invested in this company, and I would love to learn how flexible you can be with our retirement plan and other sort of benefits and the equity. But in many of these cases, I think talking to your colleagues ahead of time to get the temperature in the room, so to speak, and see if they would have your backing. Going in as a collective is far more powerful than going in individually with an ask. Thanks for your question. A question from someone in the audience who's just earned their PhD, which, by the way, is quite a few of you. When I surveyed you towards the end of last year, I asked about your academic background, and I think about 10, 15% of you have PhDs. We have a very fancy audience. This person is now entering the job market and has maybe some concerns, which I don't know why. I would think that with a Ph.D. you're highly qualifiable. But also at the same time, it's probably a very competitive landscape. Like, my father has a PhD in physics, and it's a very specific type of physics. And I know that for him, when he got laid off in his early 60s, it was rather difficult to go back and find a similar job that paid a similar salary, that had a similar role. There are only so many people at his level and so many employers that want to employ people at that level. And so he had to pivot a little bit. He's fine now. You can actually listen to that episode on so Money, Adam Turabi. You can Google it. And so now our friend here in the audience, not in their 60s, in their early 40s, with a PhD, wondering if I have any tips for how to navigate the job market. So number one, if you haven't done this already, it's really important to clarify your goals. Really define what kind of work you want to be doing, who you want to be working for. Because with a PhD you could very easily, maybe not easily, but you could. A very viable path is to go work in academia. You could teach, you could become a professor. I know those jobs are very competitive, but if that's what you have your eyes set on, that's one option, then there are options in the corporate and nonprofit world, right? And so really making sure that you are clear on which path you want to take. And yes, you can pursue multiple paths, but there's probably one path that you're more excited about, you're more passionate about. I would suggest that you start there, if you haven't Already, update your LinkedIn, your resume. Your PhD is really special and I want that to be highlighted. And I think that's really, it's a standout in this job market. Detail your PhD research and other relevant experiences. If you were a teacher during your time during the program, that's also very applicable to the job market. Leadership skills there and then networking. Your university, wherever you got your PhD hopefully has a built in network. Your classmates are huge resources for you. I know I don't have a PhD, but I have a Master's in journalism. To this day I'm very much in touch with my classmates and to this day we very much help each other out. Even now, 20 years later, I can't believe it. So, so lean on your classmates. And then I would also reach out to headhunters and maybe even a job coach, but definitely a headhunter. Again, you have something special. You have a very special degree. You are an expert and you should get paid for that. And there should be some competition. You should have multiple bids. I would be very excited if I were you. I say this not knowing which industry you're in. The recent jobs numbers were not so hot. But obviously we have to take this and look at it specifically through the lens of the industry, the market that you want to work in. But I'm only here to cheer you on. I'm very excited for you. And one last thing I want to say about people who, whether you have a PhD or a master's or you have a double A major and you spent a lot of time in higher ed and now you're just emerging back into the job market. There may be a part of you that's feeling disconnected, wondering if people are going to judge you because you haven't been in the job market for a while, like being in the academic world and the theoretic world, that might be a little bit of an insecurity. I definitely had that when I got out of graduate school. But there are so many transferable skills that you have. Again, as a PhD candidate, there's incredible research. You've built up this expertise. You've worked with probably a small team, you've perhaps taught and you have taken an idea from start to finish right with your thesis. That again shows a lot of hard work and dedication and willing to take risks, willing to experiment. You're a critical thinker. These are highly valuable skills, traits to include on your LinkedIn, in your resume when you're talking to a job. Make sure you highlight all of that and good luck to you. All right, next up, a question about the best ways to invest in our health. What are some things that we can buy, we can do, we can invest in for longevity for mental health and well being. One is preventative care. Regular checkups and screenings to see if you have any health issues early on. Make sure you do have health insurance. That is the I think number one way to invest in your health to have access to medical professionals and care. Early detection. Taking care of issues today, not only a lifesaver, but saves you significant amount of money in the long run. And then we know the benefits of sleep. We talked about this earlier, but a consistent sleep routine, a comfortable sleep environment, this impacts both, both your physical and your mental well being. I think back to the days when I was a new parent and not sleeping in the middle of the night, it is real. Sleep deprivation is a real thing. It's dangerous. I have a friend who's now disabled because he didn't get enough sleep one night and it was actually a pattern. Several nights, several weeks worth of bad sleep, got into a car accident and almost died. Father of five and this is something that has never escaped me, that reminder of how important it is to rest. And so I take those naps if I'm short on sleep. It doesn't replace my evening sleep, but it's something and it helps me to feel more revived and more focused. And by the way, when you are more alert, when you are more awake and in tune with your body and with your mind, you make better decisions. It's not about just not operating heavy machinery. It's also about when you're operating your finances and your relationships and also treating your yourself like having sleep. It is an incredibly free way to invest in yourself and in your Health. Now, I know time is not free. And so maybe you're thinking sleep is not free, but you gotta prioritize your sleep. You just have to. And the list goes on. Nutrition, exercise, seeing a therapist if that's what you need. All of this stuff, it does matter. But I think one thing that we've talked about a lot on so money is the burnout factor. And so when you're at work and you're stressed, stress is a killer. There's a great book I read called the Upside of Stress. So if you're stressed, how to work with your stress or how to interpret your stress to figure out what it is that you need. And stress manifests in many different ways for people. For me, when I was completely stressed out one year because I was launching a side business and I've talked about it on the show, right? It was called she Stacks. Stacks House was our financial museum in la. We launched the thing, but it was financially so stressful and production wise so stressful. But I started to get an itchy scalp. I couldn't sleep, I was having breathing problems. It was manifesting physically in my body. And when that project went away, I started sleeping better. And it continued to haunt me though, because we had debt. But at least the project was done. And then I saw my body improve, I saw my health improve, I saw my relationships actually improve with my partner and with my kids. It was a time. So my friend, investing in your health, it starts with things that don't cost any money. Creating boundaries. I think that's what I learned about my time on that project was I just didn't have any boundaries. I was doing everything. I was just working 24 7, stressed all the time. I wasn't talking about it with anybody, so probably could have used a therapist. At the time, I wasn't sleeping, which we just discussed the benefits of. And healthcare is really important. It's not something that unfortunately is a given in our country, but to the extent that you can afford even a basic healthcare plan, invest in a basic healthcare plan that gets you access to trustworthy doctors and a medical community. Because they are the people that are going to be at the front line of seeing the signs, potentially before you do those routine checkups, those regular mammograms, all of that. So important we know is what can prevent health failure down the road. And last but not least, next question, last question. Do you have to pay taxes if you get money from a whole life insurance policy and not a death benefit? So I looked this up. I don't have a whole life insurance policy on purpose. I don't really believe in them for most people. I think most people just need permanent or term life insurance. It's much cheaper. It expires of course after a term. But a whole life insurance policy is very expensive to maintain. It's a complex product, a lot of fees. Most people don't need them. But this person apparently has access to one and wants to know if they start making withdrawals, what does that mean from a tax perspective? So the taxation of funds from a whole life insurance policy, it really depends on what kind of withdrawal you're doing. Now this person said this is not a death benefit withdrawal. So death benefit withdrawals are paid out to the beneficiaries upon a person's death and that is typically not subject to income tax. So this person already knows this. But just to reiterate, it sounds like more of a cash value withdrawal. So a whole life insurance policy, there's a death benefit, then there's this cash value. If you withdraw the cash from the policy's cash value, the amount that you're going to receive, it might be tax free up to the total amount of the monthly premiums or the annual premiums that you have paid into the policy. Any withdrawals exceeding the total premiums paid may be subject to to income tax. But this is something that I would highly recommend you talk to a tax professional or a financial advisor or both for their take. All these policies are very different, they're unique and might have their own nuances. That is what I've discovered and I hope that is helpful to you my friend in the audience. Thanks so much for tuning in everybody. That's our show for this Friday. Stay tuned for next week's Weekend Review where we're going to be spotlighting some of our favorite guests that covered important themes. I'll see you back here on Monday. And I hope your weekend is so money.
- [32:48]
Ryan Reynolds
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