{"id":268,"date":"2023-03-06T13:00:00","date_gmt":"2023-03-06T13:00:00","guid":{"rendered":"https:\/\/moneywithkatie.com\/investment-taxes-101\/"},"modified":"2025-09-03T20:43:56","modified_gmt":"2025-09-03T20:43:56","slug":"investment-taxes-101","status":"publish","type":"post","link":"https:\/\/moneywithkatie.com\/investment-taxes-101\/","title":{"rendered":"Investment Taxes 101 [2024-2025]"},"content":{"rendered":"<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<p class=\"\" style=\"white-space:pre-wrap;\">My friends, I have good news and I have bad news.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">The good news is that investment taxes are a lot simpler and easier than you may expect. The bad news is that you\u2019re about to hate your earned income by comparison.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Welcome to your crash course on everything from capital gains and dividends to tax loss harvesting and rebalancing\u2014feel free to Ctrl+F if you\u2019re here to answer a specific question. But if not, welcome to the chocolate factory\u2014I\u2019ll be your Wonka.<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Taxes on brokerage accounts<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Capital gains taxes<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Dividends<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Rebalancing<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Tax loss harvesting<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">What to expect at tax time<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<hr \/>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<p class=\"\" style=\"white-space:pre-wrap;\">So let\u2019s start with the best part:<\/p>\n<h3 style=\"white-space:pre-wrap;\">Unless you\u2019re retired and drawing down on your retirement accounts, you don\u2019t have to worry about your 401(k)s and IRAs during tax season.<\/h3>\n<p class=\"\" style=\"white-space:pre-wrap;\">Your 401(k) and IRA are great tax-advantaged investment vehicles. You aren\u2019t taxed on the growth in those accounts every year the same way you\u2019re taxed on the growth in your <em>taxable<\/em> accounts. After all, that\u2019s kinda the point.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">So what does this mean? You can buy and sell and rack up dividends and interest inside these accounts without worrying about paying taxes annually on any of the gains. It\u2019s all <strong>tax-sheltered<\/strong>.&nbsp;&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">The TL;DR: If you do all of your investing inside retirement accounts, nothing I\u2019m about to share really applies to your situation. We really only need to concern ourselves with investment taxes during our accumulation phase inside taxable brokerage accounts.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">(And a note: The term <strong>\u201ctaxable\u201d<\/strong> gets its name from the fact that it refers to pretty much everything that <em>isn\u2019t<\/em> a tax-advantaged retirement account.)<\/p>\n<\/div>\n<hr \/>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<h3 style=\"white-space:pre-wrap;\">So if you have brokerage accounts, what do you need to know about the taxes?<\/h3>\n<p class=\"\" style=\"white-space:pre-wrap;\">If you contributed to a brokerage account over the last 12 months, it\u2019s likely that you experienced some gain or loss. For example, if you invested $1,000 in March 2024 and today you have $1,200, that $200 difference is your <em>capital gain<\/em>. It\u2019s the <em>gain<\/em> that your <em>capital of $1,000 <\/em>earned.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">For most index fund investors, growth will be composed of two things:<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\"><strong>Capital gains<\/strong>, where the asset went up in value; in other words, it\u2019s worth more now than when you bought it<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\"><strong>Dividends<\/strong>, which you can think about like a token of appreciation from a company; the company is essentially distributing its profits to shareholders directly, and some companies offer higher \u201cdividend yields\u201d than others<\/p>\n<\/li>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">For example, if you buy a $20 share of a company that offers a dividend yield of 5%, you\u2019d earn $1\/share.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<p class=\"\" style=\"white-space:pre-wrap;\"><strong>Capital gains and dividends are taxed differently than earned income<\/strong>\u2014and if you\u2019re just dollar-cost averaging into an account and not selling anything, you won\u2019t pay any taxes on the capital gains.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">You only pay taxes on capital gains when you \u201crealize\u201d them, which essentially means when you sell at a gain for any reason. You may be wondering: If I\u2019m selling something within my brokerage account but then using the money to buy something else and <em>not<\/em> withdrawing anything, do I still have to pay taxes on the gains? The answer is yes.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Even if all the money stays within the confines of the brokerage account, those \u201crealized gains and losses\u201d from buying and selling still trigger a tax event.<\/p>\n<\/div>\n<hr \/>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<h3 style=\"white-space:pre-wrap;\">So let\u2019s talk about how capital gains are taxed, when you finally sell.<\/h3>\n<p class=\"\" style=\"white-space:pre-wrap;\">Your capital gains are taxed based on how long you held and your total income from all sources\u2014your salary, your side hustle, your investment income\u2014add it all together and imagine stacking the capital gains on the very tippy top.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">If you sell after\u2026<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\"><strong>Fewer than <\/strong>365 days: <a href=\"https:\/\/www.irs.gov\/taxtopics\/tc409\" target=\"_blank\"><span style=\"text-decoration:underline\">You\u2019ll pay your marginal tax rate on the gain<\/span><\/a>. This is definitely suboptimal and should be avoided if possible.<\/p>\n<\/li>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">For example, if we had sold our $20 share at $25 after, say, six months, and we\u2019re in the 24% tax bracket, we\u2019d pay $1.20 in taxes on the gain of $5. Gross. Of course, it\u2019s still better than nothing\u2014you still have $3.80 you didn\u2019t have before\u2014but you\u2019re <em>less<\/em> ahead than you could have been if you had waited or sold older shares first.<\/p>\n<\/li>\n<\/ul>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\"><strong>Greater than<\/strong> 365 days: <a href=\"https:\/\/www.irs.gov\/taxtopics\/tc409\" target=\"_blank\"><span style=\"text-decoration:underline\">You\u2019ll pay the capital gains tax rate<\/span><\/a> on the gains. The capital gains and qualified dividends tax brackets are a lot easier to navigate than the progressive tax system and can be way more forgiving.<\/p>\n<\/li>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">If you (as a single person in 2025) have <a href=\"https:\/\/www.bankrate.com\/investing\/long-term-capital-gains-tax\/#rates\"><span style=\"text-decoration:underline\">$48,350<\/span><\/a> or less in total declared income, you won\u2019t pay any taxes on your long-term capital gains. For married filing jointly, the 0% bracket covers up to $96,700 in total income.<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">If you have between $48,351 and $533,400 in income in 2025 (yep, that\u2019s not a typo), you\u2019ll pay 15%. For married filing jointly, it\u2019s $96,701 to $600,050.<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">And if you have $533,401+ in income, you\u2019ll pay 20%. If you\u2019re married, it\u2019s a total income above $600,051.<\/p>\n<\/li>\n<\/ul>\n<\/ul>\n<p class=\"\" style=\"white-space:pre-wrap;\">Because of how broad it is, most people fall into the 15% category.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">So remember our $1.20 in taxes on our $5 short-term capital gain before? If they were long-term capital gains, we\u2019d pay 75 cents. And even if you\u2019re bringing in $400,000 per year as a single person and would be in the 35% marginal tax bracket, your investment income (the capital gains) are only taxed at 15%.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">But what if you\u2019ve been dollar-cost averaging into various holdings over time? If you\u2019ve been adding little by little, how does the brokerage firm know what to sell? The shares I bought last week, or the shares I bought three years ago? My gain will be different depending on my cost basis (the amount I paid for it), so how do I know?<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Brokerage firms typically use FIFO\u2014first in, first out\u2014automatically, though it\u2019s definitely worth a Google for your brokerage firm. This means they\u2019ll sell your <em>oldest shares first<\/em> to satisfy a sell order. If you bought something three years ago that has a $5 gain and more of it last year that has a $2 gain, it\u2019ll sell the older shares with a lower cost basis first.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Firms like Betterment make this pretty easy, too; they\u2019ll warn you of the tax impact of selling before you press any scary buttons, and confirm you still want to make the move.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">And don\u2019t forget about <strong>state capital gains<\/strong> <strong>taxes<\/strong>, which vary depending on where you live and how much you earn. Here\u2019s <a href=\"https:\/\/smartasset.com\/taxes\/state-capital-gains-tax\" target=\"_blank\">a list from SmartAsset<\/a>; Command-F to your heart\u2019s content to find your state\u2019s rates (now I know why everyone retires to Florida).<\/p>\n<\/div>\n<hr \/>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<h3 style=\"white-space:pre-wrap;\">But let\u2019s circle back to those dividends, because they\u2019re taxed a little bit differently<\/h3>\n<p class=\"\" style=\"white-space:pre-wrap;\">Your dividends will be taxed annually <strong>whether you reinvest them or not <\/strong>(that is, whether you keep them in the account and set them to \u201creinvest,\u201d or withdraw them). You pay taxes regardless, because they\u2019re always considered \u201cincome\u201d in the year you earn them.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">There are two types of dividends:<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Ordinary dividends are <a href=\"https:\/\/www.irs.gov\/taxtopics\/tc404\" target=\"_blank\"><span style=\"text-decoration:underline\">taxed like ordinary incom<\/span><\/a>e; in other words, you\u2019ll pay your regular tax rate on these bad boys.<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Qualified dividends that meet certain requirements <a href=\"https:\/\/www.investopedia.com\/ask\/answers\/12\/how-are-capital-gains-dividends-taxed-differently.asp\" target=\"_blank\"><span style=\"text-decoration:underline\">are taxed similarly to capital gains<\/span><\/a> using the more forgiving brackets described before.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" style=\"white-space:pre-wrap;\">Your 1099-DIV that you receive from the brokerage firm will clearly outline both your qualified and ordinary dividend amounts.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Now, it\u2019s important to note: If you\u2019ve set your dividends to reinvest (which is generally the advisable thing to do), you\u2019re technically being taxed on income that you never withdrew as cash\u2014which is different from the way you\u2019re taxed on the income you receive on your paycheck, because you\u2019ll <strong>essentially need money from another source to pay a tax bill associated with your dividends<\/strong>. This won\u2019t be much in the beginning, but if you have a huge brokerage account worth hundreds of thousands or millions of dollars, you could theoretically generate a dividend income tax bill in the thousands.<\/p>\n<\/div>\n<hr \/>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<h3 style=\"white-space:pre-wrap;\">You may not need to sell any holdings because you need cash, but you may find yourself in a position where you need to sell in order to <em>rebalance<\/em> your portfolio.<\/h3>\n<p class=\"\" style=\"white-space:pre-wrap;\"><strong>Rebalancing<\/strong> is effectively saying, \u201cOkay, my goal was to own 90% stocks and 10% bonds across my portfolio, but 5 years have passed, and my stocks grew way faster than my bonds did, so now, my actual allocation is 95% stocks and 5% bonds,\u201d which might be too risky for your liking.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">In order to get back to your goal allocation of 90\/10, you have two options:<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">You can sell stocks and use the money to buy bonds.<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Or, if you\u2019re still contributing and growing your accounts, you can contribute your new cash in such a way that it buys more bonds than stocks for a little while until your bond allocation is larger.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" style=\"white-space:pre-wrap;\">Keep in mind, though: It\u2019s helpful to think about your portfolio holistically, as the sum of its individual parts, because it\u2019s a lot easier to buy and sell within tax-advantaged accounts\u2014so it\u2019s possible you could handle the majority of your rebalancing within those accounts, depending on how much you\u2019ve squirreled away across them.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">In a scenario where your money is primarily allocated to tax-advantaged accounts, you may decide to venture over to a 401(k) that\u2019s beefy and offload some of your longest-held stocks to reinvest in bonds and leave the brokerage account alone.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">If you find yourself rebalancing, you have a few considerations:<\/p>\n<ol data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">The first is to try to rebalance within tax-advantaged accounts where you won\u2019t get dinged with capital gains taxes.<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">The second is to be mindful of the upper capital gains tax bracket where you\u2019d creep into 20% territory. If you\u2019re a high earner and\/or selling a lot at once to rebalance, you want to ensure you don\u2019t accidentally breach the upper limit of the 15% bracket and begin paying 20% on some of your gains.<\/p>\n<\/li>\n<\/ol>\n<p class=\"\" style=\"white-space:pre-wrap;\">Ideally, this is something that can be done little by little over time, rather than all at once.<\/p>\n<\/div>\n<hr \/>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<h3 style=\"white-space:pre-wrap;\">So far, we\u2019ve mostly talked about how taxes affect your investments if your holdings are up\u2014but what if your stocks are down?&nbsp;<\/h3>\n<p class=\"\" style=\"white-space:pre-wrap;\">If you invested money that\u2019s at a loss (for example, how most of our portfolios looked at the end of 2022!), <strong>tax loss harvesting<\/strong> is effectively what happens when you say, \u201cHey, I invested $100 and now I only have $80. I want to take a tax deduction on the $20 I lost to help ease the pain of failure.\u201d Just kidding. You\u2019re not a failure. You\u2019re an investor along for the ride!<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Here\u2019s how it works: You sell a holding that\u2019s decreased in value so you can recognize a capital loss (your 1099-DIV should also list your capital losses), which can <em>then<\/em> be used to offset gains from other investments.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">The important part, however, is <em>not<\/em> that you\u2019re just cashing out and walking out of the stock market casino. You\u2019re reinvesting your $80 in something similar, but not \u201csubstantially identical.\u201d You could sell a position in the S&amp;P 500, lock in your loss for the year, then immediately turn around and invest that same cash into a Total Stock Market fund, which has such similar holdings that it\u2019s effectively giving you exposure to almost the same thing\u2014cap-weighted US stocks\u2014<em>but<\/em> you\u2019re also benefiting from the loss you experienced.&nbsp;<\/p>\n<\/div>\n<figure class=\"block-animation-site-default\">\n<blockquote data-animation-role=\"quote\" \n<p>   ><br \/>\n    <span>\u201c<\/span>There\u2019s no such thing as tax loss harvesting in an account where you aren\u2019t subjected to capital gains taxes, like a 401(k).<span>\u201d<\/span>\n  <\/p><\/blockquote>\n<\/figure>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<p class=\"\" style=\"white-space:pre-wrap;\">Unfortunately, you have to sell by the last day of the year, so it\u2019s too late to do this for 2024 securities\u2014but keep it in your back pocket in the future. If you use a robo adviser like Betterment, this happens automatically if you have the feature turned on.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">This is <em>only<\/em> a benefit in taxable accounts\u2014there\u2019s no such thing as tax loss harvesting in an account where you aren\u2019t subjected to capital gains taxes, like a 401(k).&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">This is a bit of a tricky maneuver: For one thing, you want to be careful of avoiding what\u2019s known as a <a href=\"https:\/\/turbotax.intuit.com\/tax-tips\/investments-and-taxes\/5-situations-to-consider-tax-loss-harvesting\/L06jlQWfl\" target=\"_blank\"><span style=\"text-decoration:underline\"><strong>wash sale<\/strong><\/span><\/a>.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">This is when you sell an investment at a loss, but buy a \u201csubstantially identical stock\u201d within 30 days <strong>before or after<\/strong> that sale. Note that the wash sale rule also applies to any substantially identical stocks or securities purchased by your spouse or a company you own, so if you were thinking of getting crafty by assigning bae some Robinhood homework, think again.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">This can be complicated if you have a lot of multiple accounts that are dollar-cost averaging into similar holdings. To extend our earlier example, if I sold my S&amp;P 500 holdings at a loss to repurchase the Total Stock Market in my brokerage account, but my 401(k) plan purchased the S&amp;P 500 two weeks later as part of its standard operating procedure, I\u2019m pretty sure this would trigger a wash sale and invalidate the whole thing.&nbsp;<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Regardless, when executed correctly, you can typically deduct up to $3,000 of losses per year, and if you have losses in excess of $3,000, you can <a href=\"https:\/\/www.sofi.com\/learn\/content\/tax-loss-carryforward\/\" target=\"_blank\"><span style=\"text-decoration:underline\">carry them forward<\/span><\/a> into the future to offset Future You\u2019s gains.<\/p>\n<\/div>\n<hr \/>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<h3 style=\"white-space:pre-wrap;\">Phew, okay. So, should all this talk about taxes scare you away from investing?<\/h3>\n<p class=\"\" style=\"white-space:pre-wrap;\">Well, would you turn down a raise because it means you\u2019re going to have to pay taxes on that incremental money? No, probably not.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">But this post makes a decent support case for maximizing your 401(k) and IRA contributions first, since the ongoing tax situation on those bad boys is pretty simple.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">For everything else, there are ways to help minimize the pain. First and foremost: Try your best not to sell assets that you\u2019ve had for less than a year. That\u2019s one great way to help minimize your tax liability on growth, since once you cross the one-year mark, you\u2019ll be dropped down into those sweet, sweet capital gains tax brackets.<\/p>\n<\/div>\n<hr \/>\n<div class=\"sqs-html-content\" data-sqsp-text-block-content>\n<h3 style=\"white-space:pre-wrap;\">What can you expect at tax time?<\/h3>\n<p class=\"\" style=\"white-space:pre-wrap;\">Most firms will send you something called a 1099-DIV (or maybe a 1099 Composite) by mid-February. This will list your capital gains, ordinary dividends, qualified dividends, etc., and you\u2019ll upload the form to your tax software of choice or give to your CPA.<\/p>\n<p class=\"\" style=\"white-space:pre-wrap;\">Even if this feels like a lot to manage yourself, you have options:<\/p>\n<ul data-rte-list=\"default\">\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">If you invest with a roboadvisor, it\u2019s likely they\u2019ll have automatic rebalancing and tax loss harvesting features you can turn on so you <em>don\u2019t<\/em> have to worry about doing it manually.<\/p>\n<\/li>\n<li>\n<p class=\"\" style=\"white-space:pre-wrap;\">Plus, your 1099-DIV forms will spell out the results of each account for you, so get familiar with them! It\u2019s relatively easy to plug the numbers into tax software, but there\u2019s no shame in hiring a CPA to handle it for you\u2014they can answer questions and make suggestions that may lessen your tax burden.<\/p>\n<\/li>\n<\/ul>\n<p class=\"\" style=\"white-space:pre-wrap;\">And remember the best news of all. If you&#8217;re making enough income from your investments to be taxed on it, you&#8217;re in #RichGirl territory. Embrace it.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>My friends, I have good news and I have bad news. The good news is that investment taxes are a lot simpler and easier than you may expect. The bad news is that you\u2019re about to hate your earned income by comparison.&nbsp; Welcome to your crash course on everything from capital gains and dividends to [&hellip;]<\/p>\n","protected":false},"author":178814,"featured_media":2441,"comment_status":"closed","ping_status":"open","sticky":false,"template":"si-template-single-post-taxable-investing.php","format":"standard","meta":{"footnotes":""},"categories":[35],"tags":[44],"class_list":["post-268","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing-and-taxes","tag-taxable-investing"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Investment Taxes 101 [2024-2025] - Money with Katie<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneywithkatie.com\/investment-taxes-101\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Investment Taxes 101 [2024-2025] - Money with Katie\" \/>\n<meta property=\"og:description\" content=\"My friends, I have good news and I have bad news. The good news is that investment taxes are a lot simpler and easier than you may expect. 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