Is GAP Insurance Worth It?
Executive Summary GAP Insurance is financially vital for low-down-payment buyers, but purchasing it from a dealership is a…
Smart Spending
Latest Articles
Financial strategies, news, and insights for your wealth journey.
Smart Spending
Dealer Financing vs Credit Union: Never Walk In Unprepared
Executive Summary Never walk into a car dealership without financing in hand. Dealerships act as middlemen for loans…
Smart Spending
How Much Car Can I Afford?
The 20/4/10 Rule Defined To prevent financial overextension, follow the 20/4/10 rule when buying a car: Put down…
Smart Spending
New vs Used Car: Why Buying New Keeps You Poor
Executive Summary Buying a slightly used car (3–4 years old) is mathematically superior to buying new. A new…
Smart Spending
Leasing vs Buying: Which One Wastes Less Money?
Executive Summary In most financial scenarios, buying a car results in a lower total cost of ownership over…
Tax Tips
The Side Hustle Tax Bible: 1099s, Write-Offs, & LLCs
Plan 007 Roadmap (Extended Edition) BMT Tax Research Team Reviewed by Certified Public Accountant (CPA) · Feb 2026…
Tax Tips
Hobby vs Business: The IRS “3‑Year Profit” Rule Explained
Hobby vs Business: The IRS "3-Year Profit" Rule Explained Did you buy $5,000 worth of camera gear for…
Tax Tips
Sole Prop vs LLC: Do You Really Need an LLC for a $500/Month Gig?
Sole Prop vs LLC: Do You Really Need an LLC for a $500/Month Gig? Every "Tax Guru" on…
Tax Tips
Business Startup Costs: What Can You Deduct Before You Launch?
Business Startup Costs: What Can You Deduct Before You Launch? You spent $2,000 on a course to learn…
Tax Tips
Separate Your Money: Why Using Personal Cards for Gigs Is Dangerous
Separate Your Money: Why Using Personal Cards for Gigs Is Dangerous You just got paid $500 for a…
Tax Tips
Schedule C for Beginners: Filing Your Side Hustle Taxes (Line-by-Line)
Schedule C for Beginners: Filing Your Side Hustle Taxes (Line-by-Line) If you earned money without a boss, you…
Tax Tips
Quarterly Estimated Taxes: Do You Really Need to Pay 4 Times a Year?
Quarterly Estimated Taxes: Do You Really Need to Pay 4 Times a Year? The US tax system is…