Tax deductions introduction

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Tax deductions introduction발음듣기

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In this video I now want to cover one of the other most misunderstood ideas when people think about taxes. and that's the idea of deductions.발음듣기

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So one of the most common tax deductions is the deduction you get on interest on your mortgage.발음듣기

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So let's say that this year on my mortgage, of the part of my mortgage that is interest.발음듣기

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Let's say it's $10,000 interest on my mortgage.발음듣기

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And you'll either already know, or someone might tell you, that this is tax deductible!발음듣기

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And the misconception that I've seen many, many times is that people think that since this is a tax deduction that this $10,000 should be deducted from their taxes.발음듣기

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So in the previous example we showed this scenario where this person making $100,000 would have to pay $21,720 in taxes.발음듣기

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And based on that misconception they would say "Ok I get a $10,000 tax deduction now I would pay $11,720."발음듣기

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And that is wrong!발음듣기

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The deduction doesn't happen from the taxes you pay.발음듣기

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The deduction happens from your stated income.발음듣기

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So if this person right here had a $10,000 tax deduction, instead of saying they made $100,000 that year they would say that they made $90,000.발음듣기

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So once again, the deduction does not come directly from the taxes.발음듣기

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That would be a tax credit.발음듣기

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The deduction comes from the reported income.발음듣기

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So what would be the actual effect on the taxes?발음듣기

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Well we just have to look at this $90,000 that still kind of shows up in the top bracket.발음듣기

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So the real difference is just going to be this $10,000 difference before he was paying 28% on this $10,000.발음듣기

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Now he won't have to pay 28% on that incremental $10,000, on this incremental $10,000.발음듣기

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Another way to think about it, instead of this being $17,750 times 28%, it would now be $7,750, because the reported income is now only $90,000.발음듣기

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So the actual number, we can get our calculator out and just calculate it.발음듣기

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There's two ways you could do it.발음듣기

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You could just say if my income is deducted by $10,000 and I'm going to save 28% on that $10,000.발음듣기

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You can just subtract $2,800 from this.발음듣기

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But just to show you how it'll all work, that it all works out to the same thing.발음듣기

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Let's just go through the same calculation again.발음듣기

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We have $7,750 times 0.28 plus $48,300 times 0.25 plus $25,600 times 0.15 plus $835 and that's $18,920.발음듣기

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So now the taxes will be $18,920.발음듣기

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And as you can see the difference between the old and the new is exactly $2,800 because that's essentially what the amount that we would be taxed on the $10,000 if we had made that much money.발음듣기

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Anyway hopefully that doesn't confuse you too much.발음듣기

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