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Module 2
Deductions reduce your taxable income. Credits reduce your actual tax bill. Both matter — but understanding which ones you qualify for, and taking them correctly, is where most people leave money on the table.
The single biggest deduction decision you make every year — and how to know which one actually saves you more.
Deductions anyone can take regardless of whether they itemize — including 401(k), HSA, student loan interest, and more.
Credits are more valuable than deductions — they reduce your tax bill dollar for dollar. Here are the most impactful ones.