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Federal Taxes
Long-term capital gains tax rates (2025):
- 0% for income up to $44,625 (single filer).
- 15% for income between $44,626 and $492,300.
California State Taxes
California does not have a separate tax rate for capital gains; they’re taxed as regular income.
2025 California income tax brackets (estimated, based on recent years):
- For income up to $10,099 (single filer), the tax rate is 1%.
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Social Security claiming tips: Look before you leap.
“Important: Once you claim, your benefit is generally set for life. For married couples, the claiming decision by one spouse can have a dramatic effect on the other’s benefit.”
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30 Years Homesteading in Europe – Farming, Self-Sufficiency, Freedom 🇫🇷
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How much do you (really) need to save for retirement?
“Just how big your nest egg should be and how long it might last will depend not only on what you save and invest but also how you plan to spend money once you retire. Do you plan to work part time in retirement? Travel a lot? At what age do you plan to retire? Answers to all these questions will help you figure out how large a nest egg you may need to live the life you want in retirement. And don’t forget to factor in inflation and future market conditions.”
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“I’m not broke; I’m pre-rich.”
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The exact multimillion dollar figure the American Dream now costs, according to research
“The financial media site Investopedia has done the math and calculated that achieving those milestones now costs a staggering $4.4 million—over $1 million more than most Americans will make in their lifetime, according to the researcher.”