Strategies to optimize your finances

How the mega backdoor Roth works in 2026: after-tax 401(k) dollars converted to a Roth IRA, so high earners build tax-free retirement savings.

Form 9465 is the IRS installment agreement request taxpayers file to request a monthly installment plan when they cannot pay in full.

An IRS CP2000 notice proposes changes to your tax return when income doesn't match. How to respond, agree or disagree, and avoid a penalty.

An offer in compromise (OIC) lets you settle IRS tax debt for less than the full amount you owe. See who qualifies and how the IRS sets your offer.

How the wash sale rule works: sell a security at a loss, buy a substantially identical one within 30 days, and the IRS disallows the tax loss.

Form 8949 reports sales and other dispositions of capital assets. List each transaction, figure capital gains and losses, and total on Schedule D.