FIRE
Health Coverage Bridge: From Early Retirement to Medicare at 65 for Founders
A complete 10-year healthcare bridge playbook for founders retiring before 65 — covering ACA MAGI management, HSA drawdown strategy, COBRA transition, and…
Rafael Negreiros
Founder-operator with firsthand experience navigating multi-state tax planning for a distributed business. Rafael has worked across enterprise tech, retail, and media, building systems that optimize operational costs including state tax exposure. He covers founder finance, capital allocation, and the structural decisions that move the needle on seven-figure outcomes. Content reviewed against FTB Publication 1031 and Tax Foundation state profiles, June 2026.
FOUNDER FINANCE
Section 179, Vehicle & Home-Office Deductions Done Right: The Audit-Safe Founder Playbook
Section 179 and home-office deductions can save founders thousands — but the vehicle caps, business-use rules, and S-corp accountable plan requirements are…
FIRE
MAGI Engineering: How Founders Control Premium Tax Credit Eligibility in 2026
How self-employed founders with $50k–$130k income can use Solo 401(k) deferrals, SE health insurance, HSA contributions, and revenue timing to engineer MAGI…
FOUNDER FINANCE
Sales Tax Economic Nexus for SaaS Founders: 2026 State-by-State Trigger Map
Most states trigger sales-tax registration at $100,000 in revenue — and 2026 brought key changes. Here is the SaaS-specific economic nexus map…
FOUNDER FINANCE
DIY Dental and Vision Coverage for Self-Employed Founders: The Real Cost Comparison
Self-employed founders who recently lost employer dental and vision benefits face a maze of options — and routinely overpay by defaulting to…
FOUNDER FINANCE
Accountable Plans: How Founders Reimburse Themselves Tax-Free Through Their S-Corp
An accountable plan lets S-corp founders reimburse home office, mileage, cell phone, and internet costs tax-free — above the line, with no…
FOUNDER FINANCE
Health Sharing Ministry Pros and Cons for Self-Employed Founders (2026 Honest Analysis)
Health-sharing ministries cost 40-50% less than ACA plans, but they are not insurance — here is the full founder-specific risk/reward analysis, including…
FOUNDER FINANCE
The Augusta Rule (§280A) for Founders: Rent Your Home to Your S-Corp — Audit-Safe
Section 280A(g) lets S-corp founders rent their home to their business for up to 14 days per year — collecting tax-free income…
FOUNDER FINANCE
The Spouse-on-Payroll Benefits Strategy: Real Math for Founder Households (2026)
A married founder whose spouse does real work in the business can access a fully deductible group health plan covering the whole…
FOUNDER FINANCE
Quarterly Estimated Tax & Safe Harbor for Founders With Lumpy 2026 Income
A systems guide for self-employed founders with variable revenue: how to use the two 2026 safe-harbor tests and Schedule AI annualized installments…
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