Podcast
The Power Of Zero Show
Hosted by David McKnight · EN
Tax rates 10 years from now are likely to be much higher than they are today. Is your retirement plan ready? Learn how to avoid the coming tax freight train and maximize your retirement dollars.
30episodes
Episodes
Newest firstAll episodes
How Roth Conversions Affect Social Security Taxes and IRMAA
6d ago00:08:09Tap to summarizeDavid McKnight dissects a topic that causes a lot of confusion for retirees and pre-retirees: How Roth conversions affect social security taxation and Medicare premiums (IRMAA). Some warn against Roth conversions in retirement as they can cause your Social Security to become taxable and could also raise your Medicare premiums. While that's true, David believes that the long-term benefits of Roth conversions can far outweigh the temporary, short-term pain they can cause. In order to determine whether your Social Security benefits will be taxed, the IRS tracks the so-called provisional income. If you perform a Roth conversion after you begin collecting Social Security, that additional income can push you above certain thresholds that cause your Social Security benefits to become taxable. Medicare premiums are also influenced by your income through IRMAA (Income-Related Monthly Adjustment Amount), and they look at your income from two years earlier to determine your IRMAA bracket, Remember: A Roth conversion today could trigger higher Medicare premiums two years from now. David also explains that Roth withdrawals are not included in provisional income. Not only do they not cause your Social Security benefits to become taxable, but they also do not count towards the income thresholds that trigger higher Medicare premiums. As David points out, with the approach discussed in this episode, you're essentially compressing the tax pain into a few years, so you can enjoy decades of tax-free income later on. The national debt continues to spiral out of control to the point where economists are now predicting massive tax increases within the next 10 to 20 years. If such predictions are accurate, the people who will benefit most are those who have already shifted large portions of their retirement savings into tax-free accounts like Roth IRAs. By performing Roth conversions today – while tax rates are historically low – you're effectively locking in today's tax rates and protecting yourself from the possibility of much higher rates down the road. When talking about Roth conversions affecting Social Security taxation and IRMAA, we have to remember that those impacts are temporary, while the tax-free benefits can last for the rest of your life. David touches upon two reasons why it may make sense to delay taking Social Security while you're performing Roth conversions. Increasing the likelihood that your money will last as long as you do should be the #1 goal of every retirement plan. Mentioned in this episode: David's new book: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com
Transcribe →How to Protect Against a Market Crash in the First Ten Years of Retirement
2w ago00:08:25Tap to summarizeDavid McKnight addresses one of the biggest threats to your retirement plan: sequence of returns risk. Are you retired or within 10 years of retirement? Sequence of returns risk may be the single most important concept you need to understand if you want to ensure your money lasts as long as you do. Sequence of returns risk refers to the danger of experiencing a market downturn early in retirement while you're simultaneously taking withdrawals from your portfolio. David explains why this risk is most dangerous during your first 10 years of retirement. Early in retirement, your money still needs to last 20 to 30 years – an early blow to your portfolio can significantly impact its ability to do so. To defend yourself in the most dangerous decade of retirement, you need an account that allows you to avoid touching your stock portfolio until the market has recovered. The reason for that is that, historically, most market downturns take 3-5 years to recover back to their previous peak. David discusses the 4% Rule and the "catch" that comes along with it. Some experts, like Suze Orman, recommend having 3-5 years' worth of expenses accumulated in an emergency fund. David goes over why it may not be a good idea. David brings Indexed Universal Life insurance (IUL) and the concept of volatility buffer into the conversation. Remember: if you're within 10 years of retirement, now is the time to start thinking seriously about how you'll create a volatility buffer. Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Suze Orman
Transcribe →How I'd Invest $2 Million Right Now
3w ago00:10:22Tap to summarizeDavid McKnight breaks down the approach he would follow if he were to invest a $2 million 401(k) in retirement. David points out that when you retire, you're no longer just investing for growth; you're investing for income. Remember: If you get this wrong, you don't get a do-over. In the case David discusses, many financial advisors would recommend investing the $2 million in the market and withdrawing whatever your lifestyle requires. The problem with that way of doing things, however, is the exposure to the sequence of returns risk. If the market crashes early in retirement and you're pulling money out at the same time, your portfolio could go into a death spiral from which it never recovers. The main trap those planning their retirement and retirees should avoid is running out of money before running out of life. David touches upon the role that a guaranteed lifetime income annuity plays in retirement planning. As far as annuities are concerned, he's in favor of annuities that have what he refers to as "piecemeal internal Roth conversion feature." That means being able to gradually convert that annuity from tax-deferred to tax-free during the annuity's deferral period. David recommends investing discretionary funds with the following ratio: 70% in a total U.S. stock index, 30% in a total international stock index. He would automatically rebalance if his allocations ever got more than about 5% out of alignment. The reason why David's approach lacks bonds is simple: if your portfolio goes down in your retirement years, your guaranteed lifetime income gives you the luxury of watching it recover before you take further distributions. Long-term care is a piece of the strategy that most advisors completely ignore – David explains why it shouldn't be overlooked. Moreover, the cash value inside that policy can also act as a volatility buffer. David brings up a move that can increase the sustainable withdrawal rate on your stock portfolio from 4% to as high as 8% with a 95% confidence rate. "I believe we're currently experiencing the lowest tax rates we're likely to see in our lifetime," says David. Many experts believe that by 2035, when the debt-to-GDP ratio will hit about 150%, the Federal Government would have to begin phasing in tax increases over time to avoid an all-out economic crisis. That's why David would like to convert his IRA to Roth, little by little, over the next 10 years in the most tax-efficient way possible. David provides a bird's eye view of the entire strategy, which by his own admission, "checks every single box." An Ernst & Young study looked at this type of strategy combining investments with insurance-based solutions like annuities and life insurance – David discusses its findings. "I'm proposing a strategy that gives you certainty where you need it most, your income and tax-free flexibility everywhere else," he adds. Such an approach allows you to neutralize longevity risk and tax rate risks all in one cohesive strategy. Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Ernst & Young
Transcribe →What Is the 22% Roth Conversion Mistake?
4w ago00:07:57Tap to summarizeDavid McKnight explores the so-called "22% Roth conversion mistake," which he considers a common and costly mistake when it comes to Roth conversions. He points out that, despite Trump tax cuts being made permanent with the passage of the One Big Beautiful Bill Act in July 2025, tax rates can change at any time with a simple act of Congress. That's why he refers to this as a "temporary permanent tax cut." The $200 trillion underfunding of entitlement programs and the exploding interest on the national debt makes it clear that tax rates are unlikely to stay this low for long. Many Americans currently find themselves in the 22% bracket and refuse to bump into the 24% bracket for Roth conversion purposes – because they've been told to stay in their current bracket. However, if you stay in the 22% bracket, you are unlikely to be able to convert a meaningful amount of your IRA to Roth before tax rates go up for good. David shares an example that illustrates why, by trying to save a little bit on taxes today, you actually set yourself up for a massive tax bill down the road. The other scenario – where you allowed yourself to rise into the 24% bracket – buys you the ability to convert a lot more money every single year. Even though most people would be willing to pay 2% more in taxes today if it meant avoiding potentially much higher tax rates in the future, most people don't consider this option. That's because they have been conditioned to believe that any move into a higher tax bracket during the Roth conversion period is inherently bad… 10 years from now, you are probably going to look back at the 24% tax bracket as a good deal of historic proportions… Remember: you are not trying to minimize taxes this year, you are trying to minimize taxes over the rest of your life. For David, you shouldn't let the 22% Roth conversion mistake keep you from fully insulating your hard-earned retirement savings from the impact of future higher taxes. The goal, he reminds everyone, should be to get to the 0% tax bracket in retirement. Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com One Big Beautiful Bill Act
Transcribe →The Three Biggest Retirement Planning Mistakes I See All the Time
Apr 1500:07:21Tap to summarizeDavid McKnight discusses the three biggest retirement planning mistakes that show up over and over again. Avoiding them will dramatically increase the likelihood that your retirement savings will last as long as you do. Mistake #1 pertains to over-accumulating in tax-deferred accounts like 401(k)s and IRAs – a mistake that surprises many people as they feel they're doing everything right. The problem here is that you're taking a deduction at historically low tax rates only to postpone the payment of those taxes to a point in the future where tax rates are likely to be much higher than they are today. The moment you hit age 73 or 75, Required Minimum Distributions (RMDs) kick in. In other words, the IRS is forcing you to take money out, whether you need it or not. Those RMDs get combined with all your other sources of income: The taxable portion of your social security, your pension(s), and your investment income. David notes that, before long, you can find yourself in a higher tax bracket in retirement than you were during your working years. Remember, RMDs count as provisional income, which can cause up to 85% of your social security to become taxable – plus, it can trigger IRMAA surcharges on your Medicare premiums too. Building a retirement plan that is almost entirely tax-deferred looks good on paper but leaves you entirely exposed to the impact of higher taxes in the future. The second mistake is waiting too long to execute Roth conversions. David touches upon the so-called "retirement income valley," the ideal window within which to fully execute your Roth conversion. Many people ignore it. They're hesitant, reluctant to pay a tax to the IRS before it's absolutely required of them. Failing to take advantage of the "retirement income valley" puts you at risk of having your social security become taxable, while also paying higher Medicare premiums for the rest of your life. When it comes to Roth conversions, David recommends having a "rip the band-aid off" approach. It may hurt a little during the conversion period but once that money is in the Roth bucket, it's tax-free for the rest of your life. The third big mistake David sees over and over again is underestimating future tax rates and overestimating your control over them. Most retirement plans today are built on the dangerous assumption that tax rates in the future will look a lot like they do today. However, David stresses that looking at the fiscal trajectory of our country paints a different picture. The national debt will grow by $2 trillion per year over the next 10 years, and $3 trillion per year after that. With the rising interest costs and $200 trillion in unfunded obligations for Social Security, Medicare and Medicaid, there will be a financial day of reckoning where tax rates will be forced higher. David predicts that to be around 2035 – which gives you around 10 years to plan and execute on your plan. People spend their entire lives focusing on building as big a retirement nest egg as possible, but they give almost no thought to the type of accounts within which that nest egg is being built. The lack of consideration for the tax implications upon distributions is a huge oversight, says David. At the end of the day, the only thing that really matters in retirement is how much money you get to spend after taxes. David concludes by highlighting that the best way to regain control over your after-tax income retirement is to pay taxes on it preemptively at historically low tax rates and on your terms (rather than on the IRS' terms). Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com
Transcribe →Why Retirees with Guaranteed Income Spend More (and Are Happier!)
Apr 800:08:55Tap to summarizeDavid McKnight explores a retirement planning phenomenon that almost nobody discusses, but that has been documented repeatedly in academic research. It's the idea that when retirees convert some of their savings into guaranteed lifetime income through an annuity, they actually spend more money and enjoy retirement more than those who rely on their liquid retirement savings alone. Even though many people assume that doing so would make retirees more conservative with their spending, research actually shows the opposite. According to academic studies, when retirees have reliable lifetime income, they actually feel more comfortable spending money. Moreover, when retirees rely purely on investment accounts for income, they often underspend even when they have more than enough money to support their lifestyle. One of the findings of David Blanchett's and Michael Finke's License to Spend research has found that retirees treat guaranteed income very differently than they treat investment portfolios. In some cases, those who have money sitting in investment accounts – rather than guaranteed income – spend about 40 to 50% of what financial models say they could safely withdraw from their portfolios. Behavioral economics, and the so-called loss aversion, more specifically, highlight the fact that human beings are wired to fear loss more than they value gain. David notes that guaranteed lifetime income annuities can actually increase the amount retirees spend and enjoy during retirement. David breaks down the concept of the Retirement Consumption Puzzle. People are comfortable spending income but are terrified of spending principle. In other words, if you give someone a monthly payment, they treat it as income and spend it freely. On the other hand, if you give them a large investment account and tell them to withdraw money from it each year, they all of a sudden become cautious and tighten up the purse strings. When it comes to the stock portfolio, David suggests allocating 70% to a total U.S. stock market index and 30% toward a total international stock market index – and rebalance every time that allocation gets more than 5% out of whack. Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com David Blanchett Michael Finke Fidelity The Urban Institute Ken Fisher
Transcribe →The Best Tax-Free Account for Retirement
Apr 100:08:42Tap to summarizeDavid McKnight touches upon what he considers the most overlooked tax-free income stream. What he's referring to is to leave enough money in your traditional IRA so that your required minimum distributions can be completely offset by your standard deduction in retirement. David believes that focusing on tax-free retirement strategies is more crucial than ever, since it's becoming increasingly clear that taxes are likely to rise dramatically in the future. The United States is $39 trillion in debt and, as interest on that debt continues to grow and compound, the Government will eventually have to find ways to service it. Historically, when Governments face massive debt burdens, they typically do a combination of two things: cut spending or raise taxes. David lists what he considers the best tools for tax-free income in retirement – and why you can justify their inclusion in your balanced, comprehensive tax-free retirement plan. The first resource is Roth IRAs, which allow your money to grow tax-free and be distributed tax-free in retirement. Plus, they provide tremendous liquidity too. Then there are Roth 401(k)s. They have many of the same tax-free benefits as Roth IRAs, but also have an additional advantage. Many employers provide matching Roth 401(k)s contributions in their retirement plans. Hence, you can receive free money from your employer while still building tax-free retirement income. When it comes to Roth conversions, they're beneficial in that they allow you to convert money from tax-deferred accounts like traditional IRAs or 401(k)s into Roth accounts. Additionally, Roth conversions don't have limits on how much money you can convert each year – as long as you're willing to pay the taxes today, you can shift large amounts of money into the tax-free bucket. When designed correctly, cash value life insurance policies allow money to grow tax-deferred and to be accessed tax-free through policy loans. Moreover, they also provide a death benefit that you can receive in advance of your death for the purpose of paying for long-term care. In case you need a volatility buffer, you can use cash value life insurance to draw money from the policy after a down year on the market instead of selling stocks at depressed prices. Leaving enough money in your traditional IRA so that your required minimum distributions can be completely offset by your standard deduction in retirement is the most overlooked tax-free income stream – David illustrates "the Holy Grail of financial planning". HSAs, health saving accounts, are the only other financial tool that allows contributions to be tax-deductible, the growth is tax-deferred, and withdrawals can be tax-free if used for qualified medical purposes. However, HSAs come with certain restrictions on how the money must be spent… David notes that, in a perfect retirement plan, you may have as many as six different streams of tax-free income. The idea behind it is to take advantage of every nook and cranny in the IRS tax code instead of relying on just one tax-free account. Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Mitt Romney
Transcribe →Convert to Roth… But Not TOO Much: The $400,000 Rule Explained
Mar 2500:08:27Tap to summarizeDavid McKnight addresses an issue he sees more and more in his conversations with retirees and pre-retirees: the so-called Roth over-conversion trap. The problem stems from converting too much money with the result of shortening the lifespan of your retirement savings. David believes that the reason why many Americans are racing to convert everything they have in their IRAs and 401(k)s has to do with the fear about where the country is headed financially. Penn Wharton has warned repeatedly that, if we don't right our fiscal ship by 2043, no combination of raising taxes or reducing spending will arrest the financial collapse of the country. According to former Comptroller General of the U.S. Government David M. Walker tax rates could have to double to pay for the country's massive $200 trillion unfunded obligations for Social Security, Medicare, and Medicaid. The debt-to-GPD ratio, which is one of the simplest measures of a nation's financial health, keeps climbing higher: By 2035 it will be at 150%, while by 2043 at nearly 200%. David warns that what most people don't realize is that in their zeal to avoid higher taxes, they may actually be marching straight into an over-conversion trap – which is just as dangerous as not converting enough money into tax-free. If you end up not having taxable income left to be offset by your standard deduction, you'll end up having a tax shield with nothing to protect. In other words, your deduction will sit idle, completely unused, and will go to waste every single year. That's why David suggests leaving a small, strategic amount of money in your tax-deferred bucket. The idea is to want enough in your IRA or 401(k) so that when required minimum distributions begin at age 73 or 75, those distributions are offset by your standard deduction. David touches upon what he refers to as the "Holy Grail of retirement planning:" You got a deduction on the way in, you grew your money tax-deferred and then you took the money out 100% tax-free by offsetting it with a standard deduction. The million dollar question is how much should you leave in your IRA or 401(k) to make everything work? That's roughly $400,000 for married couples, around $200,000 for single retirees. If you aren't strategic with your retirement planning approach, you may have up to 85% of your Social Security taxable at your highest marginal tax bracket. David sees ensuring your money lasts as long as you do as the #1 retirement planning goal. Remember: you shouldn't reflexively convert 100% of your tax-deferred retirement savings to tax-free. You want to be aware of how the standard deduction in retirement works and execute your Roth conversion strategy accordingly. Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com Penn Wharton David M. Walker
Transcribe →5 Years from Retirement? Here's Your Planning Blueprint
Mar 1800:08:13Tap to summarizeIn this episode of the Power of Zero Show David McKnight gives you a blueprint with the key steps to follow for a successful and stress-free retirement if you're about five years away. The first step is figuring out your retirement income shortfall, the income you'll need every month in retirement, as well as how much of that will be covered by sources like Social Security and pensions. The retirement income shortfall represents the amount of income your retirement assets need to produce in order to fund your lifestyle. One strategy many retirees rely on is taking a portion of their liquid retirement savings, often from a traditional IRA or 401(k), and rolling it into an annuity designed to produce inflation-adjusted lifetime income. The second pillar of the blueprint discussed by David are investments: Roughly 70% to a total U.S. stock market index fund, and 30% to a total international stock market index fund. While things like paying the electric bill or putting food on the table are covered by your guaranteed income sources, this portfolio is designed to fund discretionary expenses (e.g. taking the grandkids to Disneyland, traveling, etc.) and unexpected shock expenses. David emphasizes that, by investing this discretionary bucket entirely in stocks rather than bonds, you increase the likelihood that the portfolio will last through your actuarial life expectancy. "When properly structured and funded, an index universal life policy or IUL can serve as a volatility buffer within your retirement plan", says David. Furthermore, a IUL policy can also provide a death benefit that can be accessed in advance of your death for the purpose of paying for long-term care… Remember: Retirement planning isn't about guessing what the market will do, it's about building a system where your basic needs are guaranteed, your growth assets continue compounding and you have the tools in place to manage volatility and unexpected risks. Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com
Transcribe →Which Retirement Accounts Should You Draw from First?
Mar 1100:07:00Tap to summarizeToday's episode of the Power of Zero Show sees David McKnight address one of the most important decisions you'll ever make in retirement: where you should withdraw money from first. It's important to note that the sequence in which you draw down your retirement dollars can dramatically affect how long your money lasts and how much of it you get to keep. Since the Trump tax cuts were permanently extended on July 4th, 2025, retirees have been presented with one of the most significant tax planning windows they may ever see. The national debt continues to grow – with Social Security and Medicare obligations expanding every year, and interest on the national debt taking up a larger and larger share of the federal budget. Analysts at the Congressional Budget Office and several independent economists agree that, although the 2025 extension has delayed the inevitable, it has not solved the underlying math… In or around 2035, the Government will have to raise revenue to keep pace with rising expenditures. Every dollar you withdraw from tax-deferred accounts – like IRAs, 401(k)s, 403bs, 457s – is a dollar tax rate that may be the lowest you're likely to see in your lifetime. "The goal isn't to eliminate RMDs entirely but to shrink your tax-deferred bucket to the point where these distributions are completely absorbed by your standard deduction", says David. "That means tax-free distributions from IRAs and 401(k)s. Many experts have warned people: if the U.S. doesn't right its fiscal ship of state by 2043, no combination of raising taxes or reducing spending will arrest the financial collapse of the country. You're living in a decade where taxes are as low as you've seen in your lifetime… …and even though the tax cuts were extended indefinitely, the long-term fiscal math still points in one clear direction. Mentioned in this episode: David's new book, available now for pre-order: The Secret Order of Millionaires David's national bestselling book: The Guru Gap: How America's Financial Gurus Are Leading You Astray, and How to Get Back on Track Tax-Free Income for Life: A Step-by-Step Plan for a Secure Retirement by David McKnight DavidMcKnight.com DavidMcKnightBooks.com PowerOfZero.com (free video series) @mcknightandco on Twitter @davidcmcknight on Instagram David McKnight on YouTube Get David's Tax-free Tool Kit at taxfreetoolkit.com
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