Ep. 152 | OB3's Impact on Small Businesses - Teaching Tax Flow: The Podcast

Episode Transcript
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John Tripolsky (00:03):
Hey, everybody, and welcome back to the Teaching
Tax Flow podcast episode onefive two. That's right. One
fifty two, we are looking back alittle bit deeper into the one
big beautiful bill act, o bthree, but this one
specifically, what that meansfor small businesses. So before
we get into this onespecifically, let's take a brief
moment and thank our episodesponsor.

Ad Read (00:28):
Hi. Chris Picciurro here, founder of teaching tax
flow, cohost of the teaching taxflow podcast, and pickleball
enthusiast. Yes. If you listento the podcast, you know almost
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(00:49):
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Alrighty. We are back here again on the teaching
tax flow podcast here, joined asalways by my wonderful cohost. I
was gonna say one big beautifulcohost, but that is completely
not what's happening. You knowwhat? We know we know you're a
beautiful specimen there, ChrisPacquero.
What's happening, brother?

Chris Picciurro, CPA (01:44):
Are you gonna say one big beautiful
bald? Another and then an aword. Dude. OB three. But I
guess maybe today you would.
I don't know. Oh, that isamazing. But that's alright. I'm
this always makes my day or dothis podcast.

Hey. You know what? That that may be the best
acronym we could ever come upwith on the

on this. Yes.

Alright. Well, let's let's wrap ourselves back
and do, something that we don'tnot just us thinks are funny. So
regarding the this act. Right?So we're looking at how it
relates to small businesses.
I'm excited about this onebecause, obviously, a lot of our
audience, listeners, communitymembers, either they're in
business already. They, youknow, they're thinking about it.

(02:29):
They're in process of it. Forthose of you that are listening
that are not real estateinvestors specifically, here's a
reality check for you. If youever do invest in real estate,
hey.
You're a business owner.Technically, you've done. Right.
Right, Chris? Or am I wrong in

saying investment and and right. And in
this podcast, when we talk aboutsmall business owners, it
doesn't necessarily mean yourbusiness is small. It really you
know, we'd like to use the termclosely held businesses, meaning
it's it's a small ownershipgroup. It might be one person.
It might be a couple familymembers.
You know, typically under fivepeople own the business. So,

(03:04):
yeah, we have some clients inour private CPA practice that
are we would call them smallbusiness owners, but it's really
just a small ownership group.Their business can be big, so
closely held business. But,yeah, what what I think, you
know, the IRS based on some ofthe rules and and when you could
be accrual basis versus cashbasis, they look at, quote,
unquote, small businesses asabout $20,000,000 or less of

(03:27):
revenue. So that's that's prettysignificant amount of revenue,
and the vast vast majority ofbusinesses are definitely under
that revenue amount.
So, yeah, we're gonna jump intoOB three. Yeah. You know me, and
we've already talked about somereal estate, some individual
provisions, and it the bill wasor some people like to call it
HR one, but the bill was veryfriendly to business as we could

(03:51):
expect. It is kind of aextension slash cousin of the
Tax Cuts and Jobs Act of 2017.So there's some things that were
that are very similar in OBthree than TCJA.
John, we're still waiting onyour sound effect for the
acronym that has

Don't worry. They play in my head every time
we say them, and I'm trying tothink of one that just doesn't
yeah. You know, we had we didhave cows mooing in one we did
way back in the day. So maybe,you we're just

want yes, but the the chickens are sound
still want their sound effect.

We'll come we'll come up with a good one. Let's
see. Hold on. We'll we'll cut itin right there. And right there.

Whenever we use an acronym, that's our
new one. So so what is yeah.What did OB three do for
business owners? And in noparticular order, we're gonna
highlight the top provisions,that that are primarily
beneficial when you talk aboutlower tax rates. The first one

(04:50):
is gonna be the extension of theQBI deduction.
That stands for oh, wait. That'sanother acronym. Right?
Qualified business incomededuction or section one ninety
nine a. And this deduction, thespecial deduction came about
during the Tax Cuts and JobsAct.
It was set to expire after 2025.It got permanently extended. And

(05:12):
what the QBI does is it allows ataxpayer up to a 20% deduction
based on their business income.Now there are some limitations
based on income. There arelimitations based on if you are
in a SSTB, which stands forspecialized service trader
business.
We did talk about thatdesignation with Brady Weller,

(05:32):
who was on our QSBS. Oh, notanother acronym. You know, if
you're if you're if you're anSSTV, you're not eligible to get
the QSBS, you know, tax freecapital gain.

You keep dropping all these acronyms,
you're gonna become a real pita.I know. P I t a in my editing
world.

I know. I know. It's gonna be a now you
just have another acronym. Butbut it's not a that's not really
a tax acronym.

That one don't count.

So you can get up to a temp 20% deduction.
If you're phased out based onincome, you could potentially
get up get a QBI deduction basedon the wages your business paid
to other people or that you'reallocated or assets. UBIA, I
know you love love thisunadjusted basis in assets. So

(06:27):
the point is, when you thinkabout this deduction, the one
section one ninety nine eightydeduction slash QBI, It's a
deduction that's taken on apersonal tax return. If you
receive K ones, typically, checkout our other episode on K ones
for dummies.
We don't think you're a dummybut we kinda like that term that

(06:47):
that episode. If you receive a kone from my partnership or an s
corporation, there are things onthat k one that are really
important that help you takethat QBI deduction, and you
could you could have severaldifferent businesses that are
feeding into that one deduction.So really powerful tool up to a
20% deduction. We do a lot oftax planning in the private CPA

(07:10):
practice, and we you know, John,in all seriousness, we've seen a
spike in listeners and people inour private Facebook group
wanting to do personalized taxplanning with us through
teaching tax. So so they're veryhappy with their tax
professional, and and theyrealize tax planning and
strategy complements that.
So we're doing some one on one ala carte work with them, and one

(07:31):
of the things is maximizing thisthis qualified business income
deduction. So that's probablythe lowest the the the biggest
news for I'm actually I'm gonnaput that as number two. That's
the number two biggest news forbusiness owners. Now number 100%
bonus depreciation is madepermanent. Remember under the

(07:53):
Tax Cuts and Jobs Act, bonusdepreciation went to a 100%, and
there was a phase out.
Meaning, it was reduced year byyear and in 2023, bonus
depreciation went to 80%. In2024, 60%. Here in 2025, bonus
appreciation is going to be setto 40%. When you what bonus

(08:13):
depreciation is, it's it it is aprovision that allows you to
deduct the entire amount of ofasset purchase instead of write
it off over five, seven, orfifteen years. And when that
went to 40% here in 2025, thatsignificantly decreased the tax
benefit of purchasing newequipment, doing cost

(08:35):
segregation studies on realestate assets, and now that's
back up to a 100% for assetsplaced in the service, I
believe, after January 19.
So big, big win for businessowners, real estate owners. We
are going to see a huge spike incost segregation studies. We do
have a special episode on costsegregation studies in t in our

(08:55):
in our podcast catalog. And soBertie told me that we might
have to revisit that later thisyear as well. So.

And and, Chris, I'm really happy that you
mentioned that 100 depreciation.Not know, it's made permanent,
but not even just that, youknow, what it is. Right? And for
those of you that aren'tfamiliar with that, I think now
is probably a pretty good timeto, you know, mention, okay.
That doesn't mean you go out andbuy a half million dollar
equipment.
You take a 100% deduction thisyear, and you sell it next year,
and you're free and clear.Right? We don't have to get into

(09:25):
depreciation recapture at all.Right. But Right.
Just letting everybody know

I don't

think that is not a free card. Listen to this.
You're you're surprised that Iknow what that is.

Up there. Is. I never thought a
depreciation recapture wouldcome from your mouth. So this is
impressive.

Can you and it came out so and so natural.
Right? So, yes, I know what thatis because I was one of those
people that thought, why can'tyou just once it's written off,
quote I'm doing air quotes foranybody that, you know, isn't
watching this. Written off. Oh,well, great.
Then I can get rid of it and,you know, I'm good. I'm good. I
just made all my money back and,you know, did all this stuff.
There's it's not that easy. Sowe won't get into it, but I do

(10:02):
wanna mention that if anybody'swheels are turning, that you
have a not a scapegoat, but ashortcut.
Doesn't exist that way. But soI'm glad I made you proud today.

Look at that. That is the it's a proud
moment. I think one of the thenext thing I'm gonna talk about
for business owners is somethingthat we're not a lot of people
are thinking of right now. Iactually think this is might be
the biggest opportunity, no punintended, with OB three. I'm
gonna drop another acronym onyou just to get your feathers

(10:35):
ruffled.
QOZF. Oh, what is that?Qualified Opportunity Zone Fund.
So OB three extended andreformed those qualified
opportunity zone fund programswith new compliance requirements
and extended exclusion windowsfor capital gains. So what that
means is that if you have anytype of capital gain, it doesn't

(10:57):
have to be real estate and youhave to do the ten thirty one
exchange.
We talked about that ten thirtyone exchange in our podcast
episode of the OB three for realestate investors. Any type of
capital gain, you could actuallydefer it using opportunity zone
funds. And this has not onlybeen extended, but it's been
enhanced because it was youknow, back when the Tax Cuts and

(11:18):
Jobs Act first came out,opportunity zone funds were very
prominent because of the taxdeferral and the step up in
basis. So I think this issomething that a lot of people
are overlooking, and we aregoing to lean into. We are
working right now.
We are efforting, as they say inour business, in in getting a
special guest on to specificallytalk about opportunity zone

(11:41):
funds and their tax benefits. SoI'm excited about that.

And I look forward to that one too because
that's one that I don't know awhole lot about. You know, I say
some things that roll off thetongue easy. But OZ funds, I'm
not I'm I'm pretty in the darkwith those personally, so I look
forward to that one.

When that's something to consider,
yeah, there there are a lot ofcompliance requirements when it
comes to, you know, just buyinga property in an opportunity
zone doesn't give you taxdeferral. You have to have a
qualified opportunity zone fund.And and we're gonna dive into
that in a future episode. Andbut if you have questions, jump
into our defeating taxes privateFacebook group. We 're happy to

(12:17):
answer them.

And, actually, Chris, on that note too, because
I know we do have that planhere. I don't I don't have the
number in front of me, our ourtentative date for that, but
it's definitely within the nextmonth, I believe. Anybody that's
listening to this, send us thequestions that you may want
answered on that podcast ahead

of time.

And we'd love to whoever the guest is on that,
we'd love to put them out there.So if you have some questions or
you know nothing about it, eventell us that you know nothing
about it and you're interestedin

it would be helpful. Absolutely. And I I
think feel like I feel likewe're broken record sometimes,
but our our people in ourcommunity, the teaching tax flow
community, the voice of taxplanning, by the way, you drive
our content, not us. You know,we've got some we've got some
spreadsheets and some things inthe cloud that I mean, it could

(13:02):
be John, I remember I wastelling you when I was up in
Michigan in July, ran inrandomly ran into a friend at a
smoothie shop. It's because mydaughter was was was badgering
us for a smoothie and having adiscussion with her, and it
actually led to a whole podcastepisode.

Mhmm.

About what to consider when you're changing
jobs, which is a very popularpodcast. Absolutely. Know where
the content's gonna come frombecause the the people drive it.
What, you know, what what yourconcerns are as a taxpayer, as a
tax professional, you know,drive this content.

Yeah. It's like dad jokes. We can tell dad jokes
all day long. We're the onlyones that think they're
interesting and funny. So if wekeep talking about all the
topics we think are interesting,you know, that's not what
everybody wants.
So it's always always good tohave the community drive.

Chris Picciurro, CPA: Absolutely. So the next and, you (13:49):
undefined
know, what I call the bigprovisions with OB three. The
next one is another big one. Nowwe've got some other ones we're
gonna talk about at in a coupleminutes, but I call these this
the fourth of the big four. Thesalt tax deduction raise and the

(14:12):
PTE workaround.
Oh, no. No. Two more acronyms.

They're coming out of left field. We're gonna
we'll put them subtly in these.We don't wanna turn this into a
Star Wars film.

Right. Remember, one of the three laws
of teaching tax law, taxagencies are your involuntary
business partner. Tax laws arein the encouraging, discourage
certain behavior. So when o bthree was working through the
senate and the house narrowlypassing, they had to put some
provisions in that made bothsides of the aisle happy. One of

(14:44):
those things was increasing thestate and local income tax
deduction.
That's what we call SALT taxdeduction. When you itemized
your deductions, it was only at$10,000. That increased to up to
$40,000 per year when youitemize your deductions. That
that obviously helped high taxstates. Cali oh, we always talk

(15:05):
about California, New York, NewJersey, Pennsylvania, Virginia,
Michigan, Ohio, you know,Wisconsin, Minnesota.
These are states just off thetop of my head that tend to have
a higher income tax. And so,John, if you live in Michigan
and you paid $60,000 of state ofMichigan tax, you were only able

(15:29):
to deduct $10,000 of that onyour federal tax return
previously. Now you could deductif you're married up to $40,000.
There are some income phase outsthere. Step two, there's
something called oh, there'sthat second acronym.
P T E T. Sounds like a medicaltest. Right? It does. How many
have for the P T E T?
Let me get the machine ready.

It really

beep beep beep beep. E t e t stands for
pass through entity tax. Sowhat's what happened was, let's
say you're an s corporationshareholder in the state of
Michigan. You're paying $60,000worth of state state income tax
personally, and you're getting adeduction for only a fraction of
that. You could make a passthrough entity tax election,

(16:11):
have the s corp pay the statetax on your behalf.
Okay? So you're still paying thestate tax, but it becomes a
federal tax deduction, and youget a deduction for the entire
$60.00. So, the point is ifyou're a business owner, you're
paying a significant amount ofstate and local income tax. That
doesn't even include any, like,is it local taxes? Like, if you
work in the city of Detroit,city of Grand Rapids, in in

(16:34):
Michigan's case, New York City.
Now, between the increased saltcaps deduction and the PTET
workaround being preservedbecause that PTET was some
states adopted it, some statesdidn't. There was some question
as to the if the IRS is gonnaallow it. They said, okay.
That's fair. We're gonna allowit.

(16:55):
This has really helped businessowners in these higher income
tax states do what I think ispersonally, I think is fair,
allow them to deduct the statetax they're paying on the
federal tax return. So those arethe big, big things.

And, Chris, on that one specifically, right, I
I think it would I I wouldregret if I don't say this.
Right? So the way you justdescribed that, right, I think
is a perfect, like, a five starreview of what tax planning
could actually be like. Right?Because if if somebody's a, not
familiar with something, butthen they're also, you know, not

(17:34):
familiar with how to trulyexecute and plan for something
like that, you're you're in Imean, I wouldn't say you're in
trouble.
You're missing out onopportunities, but you can't get
in trouble. Right? Because I Imean and I say this personally.
I don't think there's anyshortage of information on
anything on the wonderful, youknow, worldwide web that we have
now. Right?
But I think where a millionthings, you know, fall short,

(17:57):
and that's what everybody waslistening to. This this is what
we try to get around is we veryrarely will say something or
discuss something and not give alittle bit more insight on how
to actually see it through.Right? And that's obviously, we
can't do it all becauseeverybody's situation is
different. There's no easy taxreturn, etcetera, etcetera.
Right. But the way that youreally described that one really

(18:18):
stuck with me because you saidit, you explained what it is,
and, you know, we kinda wrappedit up as, like, this is a piece
of something, and you need toplan for this. It's not there's
not a box you check and say,yes. I wanna do this.

Yeah. I'm gonna get a T shirt that says
ideas are cheap. Implementationis valuable. We say it all the
time in our private practice,and you nailed it. There isn't
over there is too muchinformation out there.
Mhmm. It it can confuse people,and they don't know what applies
to their situation. That's whyit's great to have a lot of
information, but it's importantto work with a tax professional

(18:50):
that can apply all the stuff toyour situation.

Yeah. I mean, think about it as it relates to
everybody now, you know, thathas an email address. Right?
Twenty years ago, you got anemail. You knew it was for you.
Like, it was not junk mail. Itwas for you most likely. You
read every one of them. Right?Now you maybe read one out of 20
emails you get because most ofthem are junk.

(19:17):
Like, it's where there's anoverabundance of stuff out
there.

And, again, your email basically
filters out what they think isimportant, what they think might
be important, and what theythink is junk.

Exactly.

And then you make rules, obviously, but
absolutely. Mhmm. It's it'scrazy. Well, let's jump back.
Let's wrap up here with a coupleof the maybe lesser known rules.
I I maybe they're not lesserknown. They're just not gonna
apply to as many people, but thepeople they apply to, it's super
important. So the first one'sgonna be the expansion of the

(19:48):
FICA tip credit. So if you arein the restaurant business and
you know that you get a crediton your tax return for FICA,
which are payroll taxes paid toyour employees and and reported
through payroll. Why why wouldemployer get a credit?
Tax laws are encouraging todiscourage certain behavior.
Gee. Because a lot of these tipsmaybe weren't getting reported.

(20:08):
So the government said, look,employer. If you report the tips
properly, we're gonna give you acredit for it.
And you and that's why you see alot of in my opinion, see a lot
more restaurants basicallysaying, we're cashless. We want
we want everything going throughour register. Well, this tip
credit expanded to the beautyand service businesses. So,
obviously, with my hairdo, I'mnot gonna get into the beauty

(20:31):
into the the salon often, butbut it was usually limited to
food and beverage. Now if I gettip credit now extends to
salons, spas, aestheticians, andwellness businesses.
So, John, when you start workingon that dad bod, you can the tip
you give, yeah, that thatemployer can give a credit. And
employers can claim a dollar fordollar credit on FICA taxes they

(20:53):
pay on reported tip income. Andremember, we have an episode.
What a long episode, a long timeago, We talked through, and this
is important, the differencebetween a deduction and a tax
credit. Tax credits are betterin general than tax deductions.
Absolutely.

If you already forgot about that one.

Yeah. That was a great show. Make sure you
report things properly.

Absolutely. And now we think about that too.
Right? There's there's a couplerestaurants that we go to in
town, you know, our little townhere that have gone yeah.
They've gone cashless, really.

Mhmm.

Interesting. I and that would make sense why.
Right? Because you're literallyforcing you're forcing people to
adopt to it.

Right.

So makes sense.

So for employ a couple another one.
Let's talk through a couple morefor employers. So there's an
increased, dependent care limit.So when you talk about,
childcare, dependent care, youtip you have two options. You
typically can put money in ifyour employer allows it pretax
through your pay through throughyour w two, and that then they

(21:55):
you you're reimbursed or for theday care you paid, but you're
getting it off of your w two, oryou could just pay it out of
pocket and take a credit for it.
So starting in 2026, employersmay now allow workers to
contribute. This is a higherlimit up to $7,500 annually
pretax in in the to for todepend for dependent care. And

(22:18):
that used to be only 5,000. Andas you know, John, luckily, my
kids are out of the out of thedaycare age. I wanna know where
the

heck somebody's find a daycare for $7,500 a
year.

Well, no. They they doesn't say that. Just
it's say it's saying that theyat least this first $75,000 is
pretax under affection onetwenty five plan. So that's
pretty good.

That makes sense. Yeah. These these little
these little minions are pricey.Everything helps.

Well, because, John, now that those
contributions are exempt fromfederal tax, Social Security,
and Medicare tax. So it truly isnow when you're taking your
first $7,500 with the day careexpenses and making it truly
pretax.

Nice. So that's a good one. Yeah. Of course,
this would come out when, youknow, when we have eight months
left of day care for

our Oh, I know.

I know. Child. Right? But it's all good.
Everybody else can benefit.

Now employees, and this affects more
employers, but it getsconsidered small businesses, but
employees can deduct up to12,500 and over qualified
overtime compensation even ifthey don't itemize. So this is
gonna fall on to the employers.We're gonna actually talk about
this particular change in moredetail. We're probably just

(23:30):
gonna do a podcast episode onthat because the w two just got
redrafted, and there's somechanges to it that I think are
important. So this kinda thisaffects, employers, I got
business owners, not necessarilyit doesn't necessarily benefit
them on a tax perspective, butit definitely changes their tax
compliance.

(23:51):
Let's put it that way. That'swhy we want to put it into this
podcast episode. I'm gonna andI'm gonna finish with so that's
the overtime deduction. Now thetip income deduction for
workers. That's another thingthat employers I don't to say
they're burdened with it mightbe a little harsh, but employers

(24:12):
now have to properly reportqualified tip income.
So taxpayers in customarilytipped occupations may deduct up
to $25,000 of cash tips per yearfrom their income. And it
actually applies to gig workersalso. Remember, we have a whole
episode on gig workers.

Right. So even, like, there's worker drivers.

For the employer, yes, we we are gonna
do more content on this, butwith the employer, you have to
determine is someone customarilyto a customarily tipped
occupation. IRS is gonna provideguidance. And if the business is
an SSTB, oh, and not again,server specialized service
trader business, then then whatwe think right now is that those

(24:57):
tips are still gonna be taxable.

Mhmm. And this is something obviously the IRS
is gonna expand on, provide theguidance right now. It's just
kinda it's there. It's out

there. Right? Why we put it in this
podcast episode, if you're anemployer with w twos, just be
talking to your payroll servicecompany, your tax professional
about the new tip rules and theovertime rules. And then let's
celebrate my top four. Let'sright?
Section one ninety nine a, I a ka qualified business income
deduction. Bonus depreciationback to a 100%. Opportunity zone

(25:31):
funds and assault tax deductionsslash PTE workaround. Ultimately
saying your state income taxwith the proper planning will be
deductible on your federal taxreturn for, these business
owners.

Awesome. Awesome. And, Chris, I know you
came up with this list probablywhile you're, you know, either
in the shower. You know, I can'tsay using shampoo. You know,
drawing it drawing it in theshower tiles, you know, your top
10 or sitting there readingyour, your periodicals.
You know, magazines is what weolder folks call those things
that are printed, you know, nextto the the toilet and the

(26:05):
restrooms reading up on thisstuff. But as you mentioned, I'm
glad you went through this list.I know we talk about them kinda
casually just in conversations,me and you and with clients and
community members and a lot ofit. Right? There's direction
with it, but there's not there'snothing concrete with a lot of
this from the IRS.
Right? You're we're taking thisthousand page full document that

(26:27):
is extremely overwhelming toanybody with a pulse if you were
to look at it as one thing.We're taking out these little
bite sized chunks of it,digesting it, talking about it
as it is, and who knows? Youknow, we're here we are talking
about this stuff here inSeptember. It's likely gonna
change a little bit.
It's gonna get tweaked. Right?

Yeah. I mean, the rule the the I don't
think the tax laws are gonnachange, but what happens is just
because a law changes, right,now it's up to the IRS to
interpret it interpret it andhow it's going to be ruled on,
how it's going to be enforced,and that's where we'll see what

(27:05):
happens. We have some guessesright now, but, yeah, we're
gonna see how it goes.

Yeah. Yeah. So we'll we're here if anybody has
any questions the best we can. Imean, again, we don't I mean,
why should I say we, Chris? Imean, obviously, I don't have
many answers when it comes to Imean, hell, I said, our
depreciation recapture, and I Ithought Chris was about to start
lighting candles and fireworksfor me.
I had a proud friend momentthere. But, yeah, it I'm I'm you
know what? We're gonna make areel out of this, and I'm just

(27:30):
gonna play it. It's gonna beyour ringtone when I call now.
I'm just gonna Alright.

That's cool.

It'd be fun. But yeah. I mean, probably and,
Chris, tell me if I'm wrong.Right? I think it's the business
owners, taxpayers, as a whole,things like this are great just
for you to be aware of them.
Right? And I think too if yourtax professional probably is is
keeping in tune with the stuffis probably gonna relay
information to you as well itcomes. But, again, the tax
planning part of it, just youknowing what's on the horizon is

(27:57):
a huge, huge benefit just foryou to be aware of things.
Right? Because who knows?
Some of these may change the waythat you are growing and
expanding your business. Whoknows? It may it may direct
things in certain ways, pro orcom, but I look forward to these
episodes we got coming up.Chris, I know you mentioned some
really good topics, personallyinterested, you know, myself, so
I imagine some others are aswell.

Chris Picciurro, CPA: Absolutely. As in as IRS (28:18):
undefined
guidance comes out, we are gonnakeep you updated. My best tax
advice to you right now, it'scompletely free advice. People
pay a lot of money for ouradvice in the private CPA firm,
to be honest with you. Justsubscribe to the teaching
textile YouTube channel.
I know it sounds like selfpromotion, but trust me. It is

(28:39):
we put a lot of content outthere. When new laws come out,
when new guidance comes out, wemake a video and share it. So
Absolutely. And I'll put

the link too in the the show notes for this as
well directly to an an OB three.So that's that one big beautiful
bill act. We have a playlistthat we hit on a couple of these
topics a little bit morein-depth too. So I'll drop the
link in here. It'll take youstraight to it.
Also put the link in there.Really, really, really easy.
Click on it once, and you cansubscribe to the channel. You
don't gotta go click, click,give your social number, sell

(29:11):
away your first child unless youwant to. That's whole another
conversation.
We won't force you to do that.But check it out. As Chris
mentioned, great content onthere, tons of it, 550 some odd
videos we have on this thingthat you can search by topic. So
take advantage of it. Freeadvice.
Won't cost you anything but acouple clicks, and we'll see
everybody back here again nextweek on the teaching tax Full

(29:31):
podcast. Same day of the week,different date, completely
different topic. Have a greatweek, everybody.

Disclaimer (29:41):
The content provided is for educational purposes
only. We encourage you to seekpersonalized investment advice
from your financialprofessional. For all tax and
legal advice, please consultyour CPA or attorney. Investment
advisory services are offeredthrough Cabin Advisors, a
registered investment advisor.Securities are offered through
Cabin Securities, a registeredbroker dealer.
The content of this podcast doesnot constitute an offer of

(30:03):
securities. Offerings can onlybe made through an offering
memorandum, and you shouldcarefully examine the risk
factors and other informationcontained in the memorandum.

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Ep. 152 | OB3's Impact on Small Businesses

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.css-14f5ked{margin:0;word-break:break-word;display:-webkit-box;-webkit-box-orient:vertical;box-orient:vertical;-webkit-line-clamp:2;overflow:hidden;}Ep. 152 | OB3's Impact on Small Businesses