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Module 3
Understanding the rules is step one. This module is about actively using them in your favor — sheltering income in the right accounts, timing investment sales strategically, and turning losses into real tax savings.
401(k), IRA, HSA, and 529 — how each account shelters income from taxes and when to use which one.
Short-term vs long-term rates, the 0% bracket most people don't know about, and how holding period changes everything.
How to turn losing investments into a tax benefit — and the wash-sale rule you must know to do it correctly.