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- Major Business Tax Changes Hit 2026- Most Owners Are Unprepared
Major Business Tax Changes Hit 2026- Most Owners Are Unprepared
S-Corp mistakes, QBI losses, IRS crackdowns, and overlooked write-offs—plus why Tesla’s warning and silver misinformation matter right now.
Economic Ninja
December 31, 2025
Ninja News 12/31/25
December 30, 2025
💰 S-corp election becomes tax-efficient when business income exceeds $40,000, enabling owners to split income between payroll salary (subject to taxes) and distributions (avoiding the 15.3% self-employment tax) that sole proprietorships and standard LLCs cannot access.
📊 Qualified Business Income (QBI) deduction provides 20% of business income tax-free, and if your deduction calculates below this threshold, immediate CPA consultation is required to restructure and capture the full benefit.
💵 S-corp owners must establish reasonable compensation at local market rates for their actual role before taking distributions, as IRS and courts scrutinize this to prevent payroll tax avoidance through artificially low salaries.
📋 Accountable plans are mandatory documentation systems that separate personal from business expenses—without one, the IRS reclassifies reimbursements as taxable distributions or wages, triggering an additional 15.3% tax on those amounts.
🚗 Bonus depreciation under Section 168K allows 100% first-year expensing of vehicles over 6,000 lbs GVWR (new or used) when new to the business, even if previously owned personally, while Section 179 carries more restrictive limitations.
🔬 R&D tax credits apply beyond traditional tech companies to businesses like custom machine shops and plant species development engaged in qualifying research activities, requiring CPA analysis to identify eligibility and maximize credits.
🏦 Solo 401(k) plans enable self-employed individuals to contribute as both employee (up to annual limit) and employer (up to 25% of net self-employment income), creating substantially higher contribution limits than traditional employer-sponsored retirement plans.
⚖️ Worker classification requires consultation with an employment attorney in addition to CPAs, as state laws determine employee versus contractor status differently, and misclassification triggers significant penalties beyond tax implications.
📚 Business owners can deduct professional course costs (like tax training programs) as current-year expenses only when the education improves existing business skills and the business has established revenue and expenses, not for entering new trades.
⚠️ Employee Retention Tax Credits (ERTC) from 2020-2021 are triggering IRS audits with disallowance letters when claimed incorrectly, as the IRS cross-references revenue and salary data to verify eligibility, making retroactive claims high-risk without proper documentation.
Get the Business Tax Pro here: https://ninjataxpro.com/business
December 30, 2025
🚗 Tesla's Q4 2025 delivery forecast of 422K vehicles marks a 15% YoY decline and falls 10% short of Bloomberg's consensus estimate of 445K vehicles, according to analysis from DB, Wedbush, Canaccord, Cantor Fitzgerald, William Blair, and Wells Fargo.
📉 Tesla is positioning its two-year sales decline as relatively better performance compared to competitors experiencing the same 15% year-over-year decline across the entire auto industry.
🎯 The company's defensive strategy focuses on framing industry-wide struggles to prevent shareholder stock dumping by demonstrating they are less affected than other automakers facing similar headwinds.
December 30, 2025
🏢 Accountable plans enable businesses to reimburse employees for out-of-pocket expenses tax-free, yet most CPAs fail to inform clients about this strategy that could generate significant savings without triggering additional tax liability.
🏠 The Augusta rule permits businesses to rent an owner's home for a limited number of days annually as a legitimate tax deduction, but remains underutilized because CPAs rarely discuss this legal tax-saving opportunity with their clients.
🔬 R&D tax credits are available for qualifying business activities, representing substantial potential savings that most CPAs don't proactively mention to clients, leaving money on the table.
💰 Solo 401ks provide superior tax benefits for self-employed individuals compared to traditional 401ks, yet widespread lack of awareness prevents many from capitalizing on these advantages.
📊 IRS announced 2026 tax bracket adjustments that increase rates for higher earners while lowering rates for lowest brackets, creating nationwide impact across all taxpayer categories.
📈 The most efficient business growth method involves implementing tax strategies to generate savings, then reinvesting those recovered funds into the company's highest-return activities rather than paying unnecessary taxes.
December 29, 2025
🤖 AI-generated finance channels are breaking YouTube's algorithm with fear-based thumbnails and emotional content, with one channel gaining 50,000 subscribers in 3 weeks and 40,000 views in an hour, spreading misinformation about silver markets to drive fraudulent subscriber growth.
💰 December 2025 silver store data showed 30 people lined up with 85% selling versus only 15% buying, where most sellers were financially distressed paying rent and car bills rather than taking profits, contradicting AI-generated bullish narratives.
📊 Economic Ninja recommends taking profits at 250% gains by pulling back initial investments and reinvesting in conviction-based opportunities, rather than holding for unrealistic moonshot returns like wealthy investors who can afford to wait.
📉 YouTube allegedly suppresses 90% of Economic Ninja's views favoring AI-generated channels over his logical, experience-based approach to market cycles and timing investments, despite his channel's rapid organic growth.
💼 Economic Ninja's financial education company sales are booming despite platform suppression, providing sound investment advice focused on helping people act like wealthy investors through proper market timing.
🌊 AI-generated channels are flooding YouTube with fake silver market news, manipulating viewers to rush into buying silver paper through algorithm-breaking engagement tactics that prioritize emotional manipulation over educational content.
December 29, 2025
🚨 IRS warns against social media posts promoting fuel tax credit or sick and family leave credit that only apply to specific businesses or self-employed individuals during certain periods and don't qualify the majority of taxpayers seeking easy refunds
👻 Ghost tax preparers refuse to sign returns with their PTIN (Preparer Tax Identification Number), attempt to deposit refunds into their own bank accounts, charge fees based on refund size instead of flat rates, and won't provide identification numbers
📱 Social media schemes encourage filing W-2 or 1099 forms with false income and withholding information to generate fraudulent larger refunds that trigger IRS audits and penalties
💰 Offer in Compromise (OIC) mills advertise settling tax debt for pennies on the dollar, but taxpayers can negotiate directly with IRS for free using the OIC pre-qualifier tool without paying middleman fees
📊 Business owners can save 20% more profits in 2026 by adding a retirement fund inside their company as a write-off expense, a strategy 90% of business owners don't deploy despite its availability
December 28, 2025
🔄 Silver has spiked only twice in 120 years, making it a volatile perception-based asset that should be treated as a trading vehicle for profits rather than a savings account for long-term wealth preservation.
💰 The optimal silver strategy involves taking back initial investment and reinvesting profits through cycles investing, selling at peaks rather than holding indefinitely which the speaker identifies as a losing strategy.
🏠 Silver profits should be redirected to pay off debt and acquire real estate during market corrections, leveraging bank money through LLCs and DSCR loans rather than remaining in precious metals.
🇨🇳 China operates as a major but opaque force in the silver market with unknown bidders driving price increases, creating uncertainty that investors should factor into their decision-making process.
🪙 Numismatic coins are frequently overpriced through fear-based marketing, with genuine collectible value stemming only from true rarity and scarcity rather than simply being graded coins.
🎯 Diversification and debt-free living form the foundation for financial success, allowing the speaker to hold silver without pressure while teaching others to build multiple asset classes systematically.
Go out and crush it!
The Ninja is OUT!
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