March 18, 2026
Tax Season, Zero Panic: Get Organized Early and File Without the Stress
If taxes make you tense, it’s usually not the math—it’s the mess. Linda Grizely (personal finance educator and creator of the MeMoney™ Method) breaks down exactly what to collect, how to sort it, and how to stop second-guessing what “might matter” before you file your 2025 return. Expect practical steps, a sanity-saving document checklist, and a mindset reset that makes tax season feel manageable.
Ask Good Questions is broadcast live Wednesdays at 6PM ET on W4CY Radio (www.w4cy.com) part of Talk 4 Radio (www.talk4radio.com) on the Talk 4 Media Network (www.talk4media.com). Ask Good Questions is viewed on Talk 4 TV (www.talk4tv.com).
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WEBVTT
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The topics and opinions express in the following show are
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solely those of the hosts and their guests and not
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be directed to those show hosts. Thank you for choosing
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W FOURCY Radio.
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Welcome to to Ask Good Questions Podcasts, broadcasting live every Wednesday,
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six pm Eastern Time on W four CY Radio at
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W four cy dot com. This week and every week,
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we will reach for a higher purpose in money and life,
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as well as a focus on health and wellness. Now,
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let's join your host, Anita bell Anderson as together we
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start with Asking Good Questions.
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Welcome to the Ask Good Questions Podcast. I am your host,
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Benita bell Anderson, and today, as things usually happen in life,
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something changed. The guests I was going to have on
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with me today had a family emergency. So as you
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and me, baby, we're doing this all on our own
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and we are still going to talk about the topic
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at hand because I am fully qualified to talk about
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this as well. So today's title of this episode is
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called tax season zero panic, Get organized early and file
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without the stress. So if taxes make you tense, maybe
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because you're thinking I haven't even started yet, it's usually
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not the math. It's the mess that you may have
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unintentionally created for yourself. So we're going to break down
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exactly what to collect, how to sort it, how to
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stop second guessing what my matter before you file your
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twenty twenty five tax return. So we're going to talk
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about some practical steps sanity saving, document checklists that you
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can have, and a mindset reset that makes text season
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hopefully feel a lot more manageable for you. So with that,
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we are going to be looking at some PowerPoint slides
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today and so we're going to have some strategy, some tools,
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and some best practices for you. So here's what we're
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going to be talking about today, understanding some big changes
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that happen in twenty twenty six. Now I want to
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direct you to the when did we do it? I
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think it was in January that I did an episode
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with Marsha Mantel on the changes specifically for seniors, so
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that you know, you may have heard about the big
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beautiful bill. You may have heard there's no TAXNOSM. The
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whole thing with no taxes is not correct. There's just
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extra tax credits that you're getting this year. So we're
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going to talk about gathering and organizing essential tax documents.
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We're going to talk about tax preparation tools and services
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that you might use. We're going to talk about strategies
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for tax planning and optimization and avoiding the most common
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pitfalls and ensuring that you have compliance in all of
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this because you don't want to get on the wrong
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side of the IRS. I can tell you that from
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my life it's been an ongoing journey for learning how
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to deal with this every year, learning how to make
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it simpler for myself. And I can tell you that
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for me, I have used a CPA for doing all
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of this because of the complexity of personal taxes as
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well as business taxes. That's kind of changing for me.
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Things are becoming a little bit more simple. In the future,
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I'm going to be using something called TurboTax, so we're
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going to talk about that. We're going to talk about brackets,
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and deductions and credits and exemptions for you this during
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this time today. So there are some adjustments to corporate
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tax rates and revise capital gains taxation. You know, what
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I'm going to tell you too, is that there is
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so much online. If you go to i'd call them
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affectionately doctor Google, or if you go to chat GPT,
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you are going to be able to ask for what
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is the current federal tax rates. You can go and
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do this on your own. There's eligibility rules that have
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changed for key deductions, and there's new reporting requirements spanning
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compliance expectations for things like crypto and other digital assets.
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I'm not going to get into that sort of thing
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in depth. I overall want to give you some strategies
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and some ideas for just starting to pull this all
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together so that it's easier. So, the standard deduction increased
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up it was it's up six percent, so they they're
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calling them inflation adjusted brackets that generally raise income thresholds
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itemize caps, and it may shift itemization vers standard decisions.
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So you know what, in many many cases, and I
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know this applied to us and for me and my husband,
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we're not really itemizing anymore because the standard deduction that
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you're getting is way above whatever we might have possibly
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been able to itemize, and so that's something that should
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be simpler for you now. So there's other things that
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you know, they just kind of go up a little
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bit every year. Childhood dependent care, there's expanded eligibility and
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a higher maximum credit for families with qualified dependents. You
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may notice I'm kind of talking about things in more
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general terms because you know, everybody's situation is so different,
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and so we're just going to talk about some of
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the big things that may apply may not apply to you.
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So the Earned Income Credit, there's updated eligibility criteria to
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allow more low income workers to qualify it, So that's
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a pretty cool thing. And there's education exemptions. There's higher
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exemption limits for tuition and related expenses to encourage education investment.
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So those are all super cool things. So organizing tax documents,
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probably the easiest thing is throwing receipts into a shoe box.
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I'm hoping you haven't done that, And really that doesn't
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really apply anymore, does it, Because if you're not really
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if you really don't need to itemize that much anymore,
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than what's that going to do? For you. So hopefully
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if you haven't done it before, start doing it now.
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Start having things as you get them, put them into
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a tax file. Now. I still like to have a
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paper copy of something to look at, but I have
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my digital I have my tax file on my computer,
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and then I have in my file cabinet thing that
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I have at my desk. I have a taxes folder
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that I'm putting everything in, okay, and so then I
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organize things according to income and things that you know,
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like bank statements that have of the information about interest earned,
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dividends earned, investment, like year end year end statements for
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investments is important because possibly for required minimum distributions if
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you're over seventy two seventy three. Right, So here's some
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things you know. So let's go into it a little
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bit more depth. Income and employment records. What does that mean? Well,
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if you have a job that means you're getting a
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W two, that company that's that you're receiving that W
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two from is going to have some statements for the
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year end. Okay, so you're going to collect that. They're
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going to be giving you a tax statement that tells
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you what what the totals are for twenty twenty five.
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Ten ninety nine's are like you know, like if you're
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self employed, you're going to get what's called the ten
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ninety nine NEC. Those are four more self employment type
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jobs that you might have had. You're going to receive
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a ten ninety nine for that. And then you have
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things that are like ten ninety nine cake, So there
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could be some different ten ninety nine type things. So
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file all of those together or put them all together
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in one place so that you have that because all
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of that sort of thing is going to go on
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your tax form in one place at the very beginning
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of the form. All right, So the other thing that
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you're going to have to start trying to figure out
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is what's going to be taxable and what's not. So
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one of the things that lower income people have available
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to them is like going to the library. So if
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you do not have a bookkeeper, or if you don't
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want to do it yourself, or if you have some
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kind of situation where this is just not going to
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happen for you, contact your local library find out what
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you can do. A lot of times in the past,
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the H and R Block have set up times to
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help people with their tax returns at the local library. Okay,
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so go and see if that's available for you in
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your area. Okay, deductions If you have a business, I
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mean I've been a business owner in my whole life.
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I have had some kind of business ever since I
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was in my twenties, and so business expenses especially, really
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that's the only thing you need to keep out of
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my three seedts for travel and meals and supplies, and
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you want to have what the business purpose was and
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the date to each record. All of those things are
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then going to go on a special tax return for
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your business, and if it's it should be the type
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of business where the income and expenses flow to to
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your personal tax return. But that's one category that if
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you like, for instance, turbo tax can be a good
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solution for helping you organize what's a business expense and
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what is a personal expense? Medical expenses. If you are
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unfortunate enough to have to deal with some fairly large
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medical expenses, store those receipts and the invoices and the
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insurance statements because you never know you might be eligible
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for some medical and dental costs, So keep track of that.
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The other big area is going to be charitable donations. Again,
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I'm not going to be telling you about all the
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ins and outs. There's crazy things you can do, like
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sending a distribution from an IRA can go to a
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charitable donation and that doesn't add to your personal income.
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But I'm not getting into that. I'm just saying for
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charitable donations again, maintain receipts, acknowledgment letters for those donations
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and proof of payment for every contribution. You never know
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when you're going to be able to use a charitable
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donation on your income tax return. And then of course
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there's other deductions. There might be deductions for education costs,
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mortgage interests, and other irs required deductible items. It's hard
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to tell what I just want to do today and
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what I do every time with the Ask Good Questions
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podcast is give you something where you can take some action.
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You're either going to go get some help with like
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an online tax gathering program like Turbo Tax, or you're
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going to go to library and you're going to find
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out what help you might be able to get there,
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or you're going to gather things yourself, or you're going
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to you know, find out where you know, maybe maybe
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you have somebody that can help you with all of
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this as well. So let's talk about investments. Hopefully you've
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got afford Hopefully you've been you know, if you've been
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listening to me, hopefully you've been paying attention to doing investing,
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making sure that you have all of that. That's going
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to fall into two big categories. One is going to
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be bank statements. The other is going to be investments accounts.
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Now like for me, I'm my wealth management company is
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called ten Cap. We have a custodian called Altruist, and
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through that custodian we get investment statements. All right, So
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you're going to gather brokerage and retirement account, your end
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statements for all of the any type of accounts that
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you have. Only thing that's really going to matter on
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investment accounts is those individual retirement accounts. Right. That means
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that if you have if you are of retirement age
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and you have been taking distributions from a retirement account,
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that counts torture income and hopefully you've been sending a
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little bit of taxes to the irs because they take
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whatever income you've had during the year, plus those distributions
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from an ir IRA account. To factor in how much
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you're going to need to pay for taxes, so it's
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important to have your investment accounts. And then you've got
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bank statements. Now, bank statements are going to be like
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interests ten ninety nine i INT. You're going to identify
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gains and dividends from banks, and you're going to use
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those statems the capital gains because those are all at
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those even though they may be smaller, they're all you know,
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little bits of income here and there. So that's all
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income reporting that you have to do. The other type
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of I INT not I in T, but ten ninety
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nine d IV. Those are dividends that might be dividends
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coming from a regular investment account, okay, And so those
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are three very likely places where you're going to be
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looking for some kind of statements, either from banks or
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investment companies. So you're going to confirm retirement contributions if
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you've had retirement contributions to a regular ir A though
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those contributions can be deducted from your income. Right if
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you have been making contributions to a WROTH, you are
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not you are being you're being taxed on whatever that
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income is this year. But then down the road when
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you start drawing in retirement from a roth iray, then
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there's no taxes that come out of that. So you're
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going to confirm what kind of retirement contributions and documents
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that you need for those types of things, and just
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you know, try to get yourself into a space where
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you prepare for these types of things. A lot of
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times when people say I hate taxes, what they're really
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reacting to is either they don't like doing math, or
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they have a fear of mistakes, or they're feeling disorganized.
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So the information in most cases is just likely scattered, right,
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So what that looks like in real life is going
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to be not having your everything in one place. So
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I'm just going to stress that to you that if
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