Tx Tax Gal

06/12/2026

Did you know??... if someone has $500,000 in a traditional IRA, they may mentally think they have $500,000 saved. But when withdrawals are made, every dollar is generally taxed as ordinary income. Depending on their future tax bracket, they might effectively keep only 70–85% of that balance after taxes.

This becomes especially important when people reach the age for Required Minimum Distributions (RMDs). Large tax-deferred balances can:

* Push them into higher tax brackets.
* Increase taxation of Social Security benefits.
* Increase Medicare Part B and Part D premiums through IRMAA surcharges.

That’s why some retirees intentionally convert portions of traditional IRA money to a Roth IRA during lower-income years—even though they pay taxes upfront—to reduce future tax surprises.

Many people spend decades focusing on growing the account balance and very little time planning for how they’ll eventually pay the taxes.

Want help planning and making moves? Call me!

05/31/2026

04/21/2026

So you procrastinated..It's ok, call anyway!!

04/08/2026

🚨 Tax Scam Alert for Seniors (65+) 🚨

I’m seeing ads going around saying that if you’re over 65, you must file “Schedule 1-A” or you could face penalties.

👉 That is NOT true.

Here’s the real deal:
✔️ Schedule 1-A is optional
✔️ It’s only used if you qualify for certain new deductions
✔️ There is NO penalty for not filing it

These ads are designed to scare you into clicking or signing up for services you may not even need.

💡 Bottom line:
If you’re over 65, nothing has changed about your filing requirements just because of this form.

If you’re unsure whether you qualify for any new deductions, I’m always happy to take a look and guide you the right way.

— Rachael, TxTaxGal 💚
“Maximizing Deductions, Minimizing Stres

03/04/2026

If you're looking at my page but haven’t reached out yet… this is your sign 👀

Tax season doesn’t have to feel overwhelming. I make it simple, organized, and stress-free — and yes, I actually explain things in plain English.

Whether you:
• Owed last year and don’t want that surprise again
• Started a side hustle
• Have stock sales, self-employment, or “it’s complicated” vibes
• Or just want someone who actually responds to messages

I’ve got you.

I run TxTaxGal myself, so when you message — you’re talking directly to me. No call centers. No runaround.

Spots fill up quickly once filing season ramps up, so if you’ve been thinking about it… go ahead and send me a message today.

Let’s get your taxes handled the right way ✔️

02/26/2026

💸 Did you just pay $400, $500… or more… for a SIMPLE tax return?

I’m hearing this over and over from people who went to big chains like Jackson Hewitt — and walked out shocked at the price.

Here’s the truth:
If your tax situation is straightforward and you just want it done right, you should NOT be paying hundreds and hundreds of dollars.

That’s where I’m different.

✔️ I personally prepare every return
✔️ I charge fair, reasonable fees
✔️ I take the time to do it correctly
✔️ And you’ll never feel like just a number

Most of my clients come to me after overpaying somewhere else — and never go back.

If you want your taxes done right without being overcharged, message me or call today.

Let’s keep more of your refund where it belongs — in your pocket. 💚

📩 Message me now to get started!

01/20/2026

💡 Tip of the Day: S-Corp Too Soon? Pump the Brakes.

Filing as an S-corp before your income is ready can actually cost you more in taxes and fees.

👉 S-corps only save money when there’s enough profit to justify:
• A reasonable salary
• Payroll taxes & filings
• Extra accounting and compliance costs

01/17/2026

Let's get started, no charge consults 🤠

01/17/2026

Just completed my daughter's taxes and a few other early birds, should have their refunds by 2/15!