Ryan Sterling
speaker
807 appearances
4 recordings
1 series
first heard Feb 2026
last heard 7 Sep
Ryan Sterling’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 4 in all, peaking in Sep 2026 with 1.
Appearances
And if you don't have any gains offset, you can actually use $3,000 a year to offset your income.
A couple other points on this too.
From an estate planning perspective, let's say you never need to use this taxable brokerage account.
And let's say you have massive capital gains and you want to pass on something to your kids.
Well, when your kids inherit the taxable brokerage account, they get what's called a step up and basis.
Okay, what does that mean?
So let's say you bought something at $1 a share and it's gone up to $10,000 a share.
Well,
If you were to sell it, you would pay capital gains taxes on that.
But if you pass it on to your kids, they get what's called a step up in basis, which means when they sell it, they actually don't pay any taxes or very little taxes on it.
So there are some estate planning advantages to a taxable brokerage account that a lot of people don't realize.
Um, but but the answer could be yes.
That's what I'm saying.
Like the HSA, like this actually could find itself above an HSA.
I would say it would not find its way above a four one K match.
That's free money.
So you definitely want to do that match first.
It would not be above the emergency savings fund because you need to have that moat, you need to have that safety.
And this is a great tool for high earners to be able to put more money into a Roth IRA.
As we alluded to before, a Roth IRA is money that you don't get a tax deduction when it goes in, but it grows tax free.
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