Mario Cabral

The $47,500 Roth Door Hiding in Your 401(k)

Sep 21, 2026

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3 min read

The $47,500 Roth Door Hiding in Your 401(k)

Your 401(k)'s real limit is $72,000, not $24,500.

Mario Cabral

The 20% Deduction Most Side-Hustlers Never Claim

Sep 14, 2026

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3 min read

The 20% Deduction Most Side-Hustlers Never Claim

The QBI deduction 1099 earners quietly leave on the table.

Mario Cabral

The "Stretch IRA" Is Dead. If You're Inheriting One, Read This.

Sep 7, 2026

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3 min read

The "Stretch IRA" Is Dead. If You're Inheriting One, Read This.

The lifetime "stretch" quietly died in 2019. Most heirs still don't know the 10-year clock — and the tax bill — is already running.

Mario Cabral

The Retirement Account Disguised as a Health Plan

Aug 31, 2026

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3 min read

The Retirement Account Disguised as a Health Plan

Your HSA is a stealth retirement account. Use it like one.

Mario Cabral

You Can Pay Your Student Loans and Still Get the 401(k) Match

Aug 24, 2026

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2 min read

You Can Pay Your Student Loans and Still Get the 401(k) Match

The old "pay loans or get the match" tradeoff is legally over. Here's the provision most people have never heard of.

Mario Cabral

The Tax Rate You Won't Believe Is Real: 0%

Aug 17, 2026

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3 min read

The Tax Rate You Won't Believe Is Real: 0%

There's a 0% federal bracket on investment gains — and most people skip it in the exact years they could actually use it.

Mario Cabral

Aug 10, 2026

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2 min read

The 84-Month Car Loan Trap

Why a lower monthly payment can cost you the most.

Mario Cabral

Your Investments Beat You. Here's the Gap, Measured.

Aug 3, 2026

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2 min read

Your Investments Beat You. Here's the Gap, Measured.

The fund posts one return; the average investor earns less. The gap has a number — and doing less is how you close it.

Mario Cabral

Jul 27, 2026

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2 min read

The Subscription Tax

How $60 a month quietly becomes six figures.

Mario Cabral

The One Date That Sets Your Credit Score

Jul 20, 2026

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2 min read

The One Date That Sets Your Credit Score

Why your score drops even when you pay in full.

Mario Cabral

The SAVE Plan Is Gone. Here's the 90-Day Clock.

Jul 13, 2026

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2 min read

The SAVE Plan Is Gone. Here's the 90-Day Clock.

If you're on SAVE, the clock is already running.

Mario Cabral

Discipline Isn't Willpower. It's Engineering.

Jul 6, 2026

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2 min read

Discipline Isn't Willpower. It's Engineering.

Build With Intent — Wealth. Discipline. Intentionality.

Mario Cabral

Mario Cabral

The $47,500 Roth Door Hiding in Your 401(k)

The 20% Deduction Most Side-Hustlers Never Claim

The "Stretch IRA" Is Dead. If You're Inheriting One, Read This.

The Retirement Account Disguised as a Health Plan

You Can Pay Your Student Loans and Still Get the 401(k) Match

The Tax Rate You Won't Believe Is Real: 0%

The 84-Month Car Loan Trap

Your Investments Beat You. Here's the Gap, Measured.

The Subscription Tax

The One Date That Sets Your Credit Score

The SAVE Plan Is Gone. Here's the 90-Day Clock.

Discipline Isn't Willpower. It's Engineering.

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