How to Legally Avoid the Net Investment Income Tax

The Net Investment Income Tax is a twenty point eight percent surcharge that catches many middle- and upper-middle-class investors off guard. Lucas and Luna break down exactly how the tax applies to dividends, capital gains, and rental income, and walk through the specific dollar thresholds for single filers and married couples filing jointly in 2026. They explore practical strategies like municipal bond allocation and retirement account placement to legally reduce your net investment income below the trigger points. If you have more than two hundred thousand dollars in investable assets or earn over one hundred thirty thousand as a single filer, this episode explains why your standard brokerage strategy might be costing you extra at tax time. #NetInvestmentIncomeTax #NIIT #TaxPlanning #InvestmentIncome #CapitalGains #Dividends #TaxBrackets #WealthManagement #PassiveIncome #MunicipalBonds #RothIRA #TaxEfficiency #FexingoBusiness #BusinessPodcast #FinanceTips #EstatePlanning #TaxStrategy #LucasAndLuna Keep every episode free: buymeacoffee.com/fexingo