Helping small business owners make smarter moves with taxes, money, and markets
Most people hate numbers. Luckily, I'm not most people. I make this fun.
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– Caroline Caruso, CPA
This Week
December 1st, 2025
📊Man, did 2025 fly by fast.
The Fed finally cut rates (a few times), AI’s coming for your job (maybe), consumer debt hit an all-time high, and you still don’t know what “6 7” means. (Honestly, I’m scared to know what the kids are up to). 😤Meanwhile, the IRS? Doesn’t care. 🏛️Tax Day is still April 15th. So, before you get drunk 🍾 off Uncle Smitty’s eggnog, and blackout on all those Amazon returns you will be making, let’s talk tax strategies. Here are 6 year-end tax moves to make before the clock runs out.
Back Tax Tickers
November 23rd, 2025
Unemployment just hit a four-year high. So much for the “soft landing” fantasy that J Powell kept whispering (honestly, I almost feel bad for him… almost). To be fair, I can’t say I’m shocked. J Powell has been moonlighting as a magician channeling his inner “David Copperfield’: sleight of hand over here, missing jobs report over there. Here’s what happened in plain English: the BOL (Bureau of Labor Statistics) says that unemployment is 4.4%. Sounds mild, until you realized that this is the worst it’s been in years (and remember, their unemployment math is based on formulas last updated when Blockbuster was still a growth stock.) Now normally, we would look at the monthly CPI and Jobs Reports for clues, but….
November 2nd, 2025
🏚️Nothing screams, “American Dream” like 6-decades of debt (just ask college students). The President has a solution to getting young people to buy homes. Stretch the mortgage until you qualify for Social Security. Our leader: Mr. Bold Strategies has come up with a plan that is like rearranging the chairs on the Titanic, but with shabby terms and higher closing costs. Back in 2006, they floated 40-year loans right before the Great Financial Crisis (GFC). But now it’s 2025. POTUS wants everything bigger, better, and more beautifuler. (I know it’s not a word, don’t at me, I’m channeling my inner Bush 43). There are two camps on 50-year mortgages (let’s be real, there’s only one camp): “Have you lost your damn mind?”
November 2nd, 2025
The Fed cut rates again last week, and the reaction was “meh.” Jerome Powell pulled the trigger one more time, slicing rates from 4.00% to 3.75%. Romeo, is this “Boo-yah”? Nope! Mr. Market responded like a kid with too many toys: unimpressed and still whining for more. Because no sooner had J‑Pow sat down to finish his sentence, Wall St. leaned in and whispered, “Daddy… December too, right?” Embracing his inner “Tall Paul”…
October 26th, 2025
Congress Passes the IRS Math Act. Oh boy, your favorite topic: “Maths”. If you believed that the IRS understood Maths, you’d be wrong….
Three Strikes and you’re bankrupt. In case you missed it, lenders are getting smoked! Two used car financiers and an auto parts supplier just hit the wall. PrimaLend just joined the “distressed-debt disco” with Tricolor and First Brands…
October 19th, 2025
Your boy made it onto the airwaves. Fame level: podcast-famous (mom’s super proud). Just dropped an episode with David Yu on the Jet Setting Wealth Advisory Podcast. David’s a wealth advisor who helps aviation pros keep more of their altitude (financially speaking) …if you’ve ever wanted to hear me rant about taxes into a microphone, your time has come.
October 12th, 2025
They finally meant it. Washington stopped pretending to work and just stopped. It’s been a week since the government decided to put the “Out-of-Office” sign up. But don’t get too excited. The circus may be closed, but the 
clowns are still getting paid. Here’s your GOV Shutdown Roll Call…
October 6th, 2025
It’s that magical time of year again, when tax season ends, and scam season begins. Scammers are coming out of their basements, armed with Gmail addresses and bad grammar, pretending to be the IRS. Their goal? To scare you into handing over your money faster than Congress can approve another spending bill…
September 28st, 2025
Mr. Market feels….frothy. Enter: The Shiller PE Ratio (a.k.a. the CAPE ratio). But before we roll out the red carpet for this Nobel Prize-winning metric, a quick detour into everyone’s favorite subject: 
Maths!. Don’t worry, not too much Maths (this will be low-calorie Maths.)…
September 21st, 2025
People aren’t just missing their car payments, they are trying to give back the keys. I’m not taking about a few missed payments. I’m talking about people ghosting their auto payments like a bad Tinder date. This isn’t just a blip, this is a blinking red light…
September 14th, 2025
Wall Street started daydreaming about cheaper money, and it looks like their dreams finally came true. At first, J-Pow tried subtlety. He lit his favorite scented candle, put on some Barry White, and whispered sweet nothings to Mr. Bond Market’s ear: “Pretty, pretty, please… lower rates.”…
September 7th, 2025
The Jobs report strikes again! The wizards at the Bureau of Labor Statistics (BLS) have once again pulled a rabbit out of a spreadsheet. Last month, they proudly reported a gain of 14,000 jobs for June. Turns out they were off by a smidge. Only about 27,000 jobs…