Joshua Krafchick

Joshua Krafchick Founder of 369 Financial.

Big tax changes aren’t just a possibility Many of them are already drafted. ⁠ For high earners, the strategies that work...
09/08/2025

Big tax changes aren’t just a possibility

Many of them are already drafted.
⁠
For high earners, the strategies that worked over the past decade may no longer offer the same advantages under new legislation.
⁠
The proposed “Big Beautiful Bill” represents the most significant potential tax shift since the 2017 reform. And it’s not just about rate changes.

Key areas under discussion include:
🔹 Potential changes to estate and capital gains treatment
🔹 New retirement account contribution and withdrawal rules
🔹 Revisions to business entity taxation
🔹 Limits on deductions and timing-related planning considerations

⁠
Questions to Consider are:
:
✔ How might updated Roth rules affect long-term planning?
✔ Is it appropriate to evaluate unrealized capital gains before year-end?
✔ Does your current business or trust structure align with the potential 2026 tax environment?
⁠
The goal isn’t to react in fear — it’s to prepare with clarity. Proactive planning helps position you to adapt effectively as details become final.

Having “enough” doesn’t protect you from losingIn fact, it’s often the opposite.When you’ve worked hard, earned well, an...
08/27/2025

Having “enough” doesn’t protect you from losing

In fact, it’s often the opposite.

When you’ve worked hard, earned well, and built something solid—it’s easy to assume you’re set.

But I see it all the time:

People with plenty slowly bleeding wealth in three subtle ways they don’t even notice.

❌ Not through lavish spending.
❌ Not through bad luck.
❌ Not even through a market crash.

It’s far quieter—and much more common.

This year, the market dipped into bear territory—but has since bounced back, closing in on positive gains.It’s not the f...
07/03/2025

This year, the market dipped into bear territory—but has since bounced back, closing in on positive gains.

It’s not the first test we've seen. Over the past 5 years, the U.S. economy has weathered:

A global pandemic (COVID-19)

Surging inflation

Interest rate hikes

Global supply chain disruptions

Tariff shocks and trade policy shifts

Despite it all, corporate earnings have steadily risen. According to FactSet, S&P 500 earnings are expected to grow 10.5% in 2025 after strong rebounds in late 2024.

Now, with advancements in AI, companies are seeing productivity gains that reduce overhead—enabling leaner teams without sacrificing output. A recent McKinsey report estimates AI could add up to $4.4 trillion annually to the global economy.

What does this mean for investors?
Resilience, innovation, and long-term growth still define the American economy. Staying invested and informed is key.

PS

Which Pic is your favorite?

(Sources: FactSet, McKinsey Global Institute, WSJ, Bloomberg)

This year, the market dipped into bear territory—but has since bounced back, closing in on positive gains.It’s not the f...
07/02/2025

This year, the market dipped into bear territory—but has since bounced back, closing in on positive gains.

It’s not the first test we've seen. Over the past 5 years, the U.S. economy has weathered:

A global pandemic (COVID-19)

Surging inflation

Interest rate hikes

Global supply chain disruptions

Tariff shocks and trade policy shifts

Despite it all, corporate earnings have steadily risen. According to FactSet, S&P 500 earnings are expected to grow 10.5% in 2025 after strong rebounds in late 2024.

Now, with advancements in AI, companies are seeing productivity gains that reduce overhead—enabling leaner teams without sacrificing output. A recent McKinsey report estimates AI could add up to $4.4 trillion annually to the global economy.

What does this mean for investors?
Resilience, innovation, and long-term growth still define the American economy. Staying invested and informed is key.

(Sources: FactSet, McKinsey Global Institute, WSJ, Bloomberg)

Ever feel like you're being rewarded for spending money you haven’t yet earned?That’s part of the appeal.Credit card com...
06/18/2025

Ever feel like you're being rewarded for spending money you haven’t yet earned?

That’s part of the appeal.

Credit card companies design rewards programs to feel exciting—earning “points” can be as satisfying as grabbing a free sample at Costco. But here’s what many people overlook:

👉 A significant portion of cardholders carry a monthly balance. With average interest rates now exceeding 20%, the cost of carrying that balance can quickly outpace the value of rewards. For example, a $1,000 flight “earned” through points might effectively cost much more if interest accrues over time.

👉 Reward terms aren’t guaranteed. Redemption rules can change, points may expire, and the value of rewards can fluctuate. It’s important to read the fine print and stay informed.

👉 These programs aren’t just about perks—they’re also a business model. Many card issuers rely on emotional spending behaviors, and some marketing strategies, including influencer partnerships, are designed to reinforce that cycle.

Looking for guests who have taken an "Unconventional" approach to finding success in their lives.Send me a DM if you'd l...
04/08/2025

Looking for guests who have taken an "Unconventional" approach to finding success in their lives.

Send me a DM if you'd like to come on the show!

Chillin’ like a villain with the coolest kid I know. 🧊👧🏼
01/09/2025

Chillin’ like a villain with the coolest kid I know. 🧊👧🏼

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