How the Net Investment Income Tax Hits High Earners in 2026

Episode 68 of The Tax Strategy Podcast breaks down the Net Investment Income Tax (NIIT) — a 3.8% surtax that catches many high-earning investors by surprise. Lucas and Luna explain how the tax works, who triggers it, and why a single real estate sale or mutual fund distribution can push a taxpayer over the threshold. They walk through a concrete example: a married couple filing jointly with $250,000 in wages and $50,000 in investment income — a total of $300,000 — showing how only the amount above the $250,000 threshold gets hit. They also discuss a little-known strategy: deferring investment income into a year with lower adjusted gross income to reduce or avoid the surtax. No fluff, just the numbers and one actionable tip. #NetInvestmentIncomeTax #NIIT #Surtax #HighEarners #InvestmentIncome #TaxPlanning #TaxStrategy #Fexingo #FexingoBusiness #BusinessPodcast #Finance #PersonalFinance #TaxDeductions #WealthManagement #CapitalGains #RealEstateTax #MutualFunds #IncomeThreshold Keep every episode free: buymeacoffee.com/fexingo