Deborah Ann Fox, CPA

10/29/2026

OTD 10/29/1965 The Autobiography of Malcolm X is published, 9 months after his assassination.
"All of our experiences fuse into our personality. Everything that ever happened to us is an ingredient.” - Malcom X

10/27/2026

Don't Oversleep
And Don't Forget To Next Week.

10/26/2026

"Find the smallest yes
Here’s the shift that changes things for a lot of families.
Instead of asking, “Will you move into Assisted Living?” the more useful question may be: “What’s the smallest amount of help that would make life safer or easier, without taking away what matters."

"No single sign automatically means Assisted Living. A fall is a reason for a medical fall-risk evaluation, not a moving truck. But these are signals to revisit the question with a doctor, a care manager, or both."
♥️ I love the objectivity shown above. A fall can be researched before drastic life changes are made. Be a voice of reason, not panic. Preserves quality of life and $. ♥️

When a parent refuses senior living, "no" isn't the end. Discover how to find the smallest yes and navigate care with confidence. Read more...

10/25/2026

I wanted to combine an "old" quote with an "old" photo. Could not do it in one step, nor two steps. Creating s/t new to accomplish my goal. Pairing an early 10/25/2014 () memory post with a newly scanned "mom" photo I got while in MI for our family 8/22/2026 Family Decade BD party.
"Our Emotions are Like a Bank Account. Deposits & Withdrawals. If you are feeling "overdrawn", feed the deposit side- Deb Fox Financial Wellness " - Deborah Ann Fox, CPA
Example: This photo feeds the deposit side. Beautiful Memories of my 40th birthday. This photo surprised me because -

10/24/2026

Good Visual provides
Things I can : My words, My actions, My ideas, My play, My effort, My Mistakes, My behavior
Things outside my control belong to other people.

10/22/2026

"Passive Activity Interest - When borrowed funds are used in a passive activity, such as many rental activities, the interest is traced to that passive activity.
The deduction is then subject to the passive activity loss rules, so even though the interest is properly classified, the tax benefit may be limited by the taxpayer’s passive loss capacity." -

Interest deductibility often depends on how borrowed funds are used. Learn how tracing rules apply to business, investment, home, and personal debt.

10/20/2026

“Bracket” is the popular term for what an economist would call a marginal rate. It’s the incremental tax on a financial move. You are thinking about moving $10,000 from a pretax retirement account to an aftertax one, or cashing in a stock with a $10,000 gain or donating $10,000 to a charity. What does that do to your tax bill?
A rate table, such as the one shown below, doesn’t do justice to the question. The tax code is so full of phase-outs, phase-ins, claw-backs, surtaxes and other gotchas that the table gives only a hint." - Forbes

Marginal tax rates drive choices about investment portfolios, Roth accounts, side gigs and charitable donations. Here’s how to calculate yours before you make any end-of -year moves.
Read more: https://www.forbes.com/sites/baldwin/2026/10/16/whats-your-true-tax-bracket-the-answer-might-shock-you/?utm_source=ForbesMainFacebook&utm_medium=social&utm_campaign=ForbesMainFB
Illustration: Fernando Capeto for Forbes via Google Gemini

10/17/2026

CPA in TX and FL. Tax focused. Saves Money.
Birth to Grave and Beyond (post- death). Beneficiaries.
Widows. Adult Children wanting to learn to help their parents as they age. Want/need to learn to understand.
What to do when someone dies and before. Teach.
The need for Financial Education is everywhere.
Imagine, if we all understood.

The need for Financial Education is everywhere.

Imagine, if we all understood.

10/17/2026

A little less than 4 years ago, I shared this graphic and said "This makes me want to put on my traveling shoes." Sharing again because I love being reminded of this Aunt Martha Swales Sulkowski quote "Travel to our house." It was a smile maker then and now.

This makes me want to put on my traveling shoes