Got a promotion or a bump in pay? Congratulations! But before you upgrade your apartment or start mindlessly spending that extra cash, there are a few critical moves you need to make to ensure that raise actually builds your long-term wealth.

Tune in to make sure your next paycheck goes further!

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The Department of the Treasury released fresh macro data examining where American household balance sheets stand today. In this episode, Ross and Ross break down the key findings—from real wage trends and consumer spending resilience to elevated debt costs and shifting household liquidity. We discuss what these top-line economic figures actually mean for your personal financial plan, savings strategy, and long-term portfolio allocation.



Read the report here: https://www.federalreserve.gov/publications/files/scf26.pdf

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Can you lower your income on purpose to hit the 0% capital gains bracket? Should you pull the trigger on Roth conversions while still making peak salary? And is there ever a good reason to make a non-deductible Traditional IRA contribution if you aren't doing a Backdoor Roth?

On this mailbag episode, Dan and Ross answer three tactical listener questions about managing tax brackets, avoid the IRS pro-rata rule, and time income strategies before retirement.

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Send your questions for upcoming show to checkyourbalances@outlook.com
@checkyourbalances on Instagram