Everyone spends so much time trying to take tax deductions to reduce their income but most spend no time investing with their self directed IRA's to accumulate tax free income that has the ability to grow exponentially. Here's an example: You open a Roth IRA in 2026 and contribute $625 per month for the entire year. Starting in 2027 you have $7,500 to invest. Everyone says yeah but what can I do with that tiny amount? You lend it out to someone that needs it. many people need a chunk of money until their next payday. Like Realtors. Realtors don't get a weekly check, they are paid by commission often times with large gaps in between paydays. You lend them $7,000 and in 2 months they give you back $8,500. You continue to make the $625 monthly contributions and you are in business! You made $1,500 from that one loan and pay zero taxes on the $1,500 for ever! If you do that 3 times in one year that would be $4,500 in tax free profit off of a $7,500 seed money investment! I hope you can see the potential to grow this thing into a monster in 5 or 6 years.