Walter Boza
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Can an IRA Contribution Reduce Your 2025 Taxes?
Yes, a prior year IRA contribution can reduce your 2025 taxes—even if you make it in 2026. The rule: a Traditional IRA contribution counts toward the 2025 tax year as long…
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What Is the True Cost of Early Retirement Withdrawals?
Early retirement withdrawal true cost goes far beyond the 10% additional tax. You may also owe income taxes, may face state taxes, and lose years of potential growth* that can…
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How Do You File an Amended Tax Return? Fix Mistakes and Protect Your Refund
Need to fix a tax mistake? An amended tax return (Form 1040-X) lets you correct income you forgot, change your filing status, or claim credits you missed. The process is…
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Markets, Rates, and Davos: What This Week Means for Your Money
This week reminded markets how quickly confidence can shift when politics, policy, and perception collide. President Trump’s appearance at the World Economic Forum in Davos triggered a familiar pattern: caution,…
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One Year of Trump: What Does It Mean for Your Investments in 2026?
Summary from Carlos García’s (Finhabits) Live Stream — Thursday, January 22 This article summarizes ideas shared by Carlos García in an educational live stream for Finhabits. These are his personal…
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Debt Snowball vs Avalanche: How to Pay Off Your Debt Faster
Debt snowball vs avalanche: which is better for paying off debt? The debt snowball method targets your smallest debt first, giving you quick psychological wins that keep you motivated. The debt avalanche…
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What Happens If You Don’t File Taxes?
What happens if you don’t file taxes? Penalties can add up fast (often up to 5% per month on unpaid tax, capped at 25%), interest compounds daily, and IRS letters…
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Car insurance requirements in Houston, Texas : minimums, proof & penalties
Car insurance requirements in Houston (and throughout Texas) follow the state’s financial responsibility rules. The minimum liability limits are 30/60/25—meaning $30,000 bodily injury per person, $60,000 bodily injury per accident, and $25,000…
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Do I need a driver’s license in Houston, Texas? Rules, timelines & exceptions
Yes, you need a valid driver’s license to drive legally in Houston and anywhere in Texas. Texas residents must obtain a Texas driver’s license within 90 days of establishing residency.…