FOUNDER FINANCE
QBI 199A Phase-Out Math for Founders: How to Keep Your 20% Deduction Above $200K
The 2026 QBI deduction phases out starting at $201,750 (single) or $403,500 (MFJ) — here's how pass-through founders use aggregation elections, W-2…
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
Severance Negotiation for Founders: Keep 6 Extra Months of Runway
Most employees sign the first severance offer. Bootstrapped founders-in-waiting who know what HR can actually flex on can negotiate 20–50% more pay,…
FOUNDER FINANCE
Bonus Depreciation 2026 Small Business Guide: How Founders Should Spend $50K Before December 31
The OBBBA restored 100% bonus depreciation and raised Section 179 to $2.56M for 2026 — here is how bootstrapped founders should plan…
FIRE
HSA as a Stealth Retirement Account: 2026 Triple-Tax Strategy for Founders
Most founders drain their HSA on current medical costs—missing its most powerful use as a triple-tax-advantaged retirement account. Here is the 2026…
FOUNDER FINANCE
S-Corp Reasonable Compensation in 2026: The IRS Is Watching More, Not Less
The IRS is using automated ratio-flagging to audit S-corp owner salaries in 2026. Learn how to set a defensible reasonable compensation, document…
FOUNDER FINANCE
Section 174A Domestic R&D Expensing: Founders Recover 2022–2024 Refunds Before July 6, 2026
The OBBBA's Section 174A restored immediate domestic R&D expensing and gives small businesses (under $31M gross receipts) until July 6, 2026 to…
FOUNDER FINANCE
OBBBA Mid-Year Tax Audit: 5 Moves Every Solo Founder Should Make Before September 15
The OBBBA permanently changed the tax rules for 2026 — here is the five-move mid-year audit every solo founder should run before…
FOUNDER FINANCE
The ACA Subsidy Cliff Hit Founders Hardest: 5 Income Levers to Stay Under the 2026 Threshold
Enhanced ACA subsidies expired in 2026 — founders above $60,240 MAGI lose all premium tax credits. Here are 5 income levers to…
ENTREPRENEURSHIP
I Tried to Make My First $100 Online in 7 Days – Live, No Audience, No Shortcuts
I tried a 7-day first $100 online challenge with no audience. See the real funnel, outreach, and lessons that make demand validation…
ENTREPRENEURSHIP
Your First Product Will Fail If You Launch Before You Validate This
Product validation before launch cuts failure risk by testing demand, pricing, and timing before you build. Learn the tests that matter.
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