@networthnate: Your money might be working against you, and you don't even know it. 💸 Before you invest another dollar, you need to know three critical numbers about your portfolio—and most high earners have no idea what theirs are. First: How much of your money is pre-tax. This includes Traditional 401(k)s, Traditional IRAs, SEP IRAs, and Solo 401(k)s. These accounts give you a tax break now, but create a future tax bill. Second: How much is in Roth accounts. This is money you've already paid taxes on that will never be taxed again—giving you maximum flexibility in retirement. Third: How much is in taxable brokerage accounts. These accounts let you control your income and tax situation year by year. These three numbers make up your tax diversification, and if you're like most HENRYs, you probably can't say them out loud right now. You're saving. You're maxing accounts. But you don't know how your money will actually be taxed later because no one ever told you to look at it this way. Too heavy in pre-tax? You've built yourself a future tax bomb. Not enough Roth? You lose flexibility when tax rates climb. No taxable money? You can't control your income when you need to. It's like growing a plant without a lattice—it'll grow, but you have no idea what the final result will look like. Follow @networthnate for more financial tips that actually make sense. Hoskin Capital is a registered investment adviser. This platform is solely for informational purposes and is not offering advisory services or sales of securities. Investing involves risk and possible loss of principal capital. Comments by viewers and/or recognitions are no guarantee of future investment outcomes and do not ensure that a viewer will experience a higher level of performance or results. Public comments posted on this site are not selected, amended, deleted, or sorted in any way. If applicable, certain editing of personal identifiable information and misinformation may be deleted. Hoskin Capital is a financial advisor serving HENRYs (High Earners, Not Rich Yet). #moneytok #PersonalFinance #taxplanning #HENRY #investing

Nate Hoskin, CFP®, AWMA

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Friday 13 February 2026 23:31:22 GMT