Tax and Money Mastery Cut taxes, crush debt, and grow your money — made simple
Are you tired of feeling lost when it comes to your money? Wondering how to get real tax help or how to legally pay less to the IRS? Have you ever asked, “How do I increase my income, save more for retirement, or finally get out of debt?” You’re not alone — and you’re in the right place. Welcome to Tax and Money Mastery, the podcast that makes taxes and finances simple, strategic, and surprisingly empowering. Each episode breaks down complex topics like tax-saving strategies, debt elimination, business write-offs, and wealth-building methods into practical, easy-to-follow steps. You’ll learn how to keep more of what you earn, create lasting financial security, and use the tax code to your advantage — all while avoiding costly mistakes. Whether you’re a business owner, investor, or everyday taxpayer, this show helps you uncover the tools and tactics that the wealthy use to grow and protect their money. You’ll discover how to structure your income efficiently, find hidden deductions, and prepare for retirement without draining your bank account. And if you owe the IRS or feel overwhelmed by debt, we’ll share proven strategies to help you take control and move forward with confidence. I’m your host, Ashley Freeman, and my journey into taxes began back in the early 2000s when I launched my first business as a real estate investor. I was a new baby Christian who was scared to death as a single mom with 3 children who depended on me for support. At first, taxes were intimidating — but soon, I realized they were like a game. The more I learned the rules, the easier it became to win. I mastered strategies that allowed me to make over $300,000 per year and still get a tax refund instead of paying more to the IRS. Now, I’m here to share what I’ve learned so you can do the same. Let’s be honest — most people would rather get a root canal than talk about taxes. The IRS letters pile up in the mail, and suddenly you’re playing a game of “peekaboo” with your mailbox. Or maybe you’ve stared at your tax return thinking, “Why does it feel like the more I make, the less I keep?” I get it — I’ve been there. Taxes used to confuse me too… until I realized they’re just like Monopoly. Once you learn the rules, you stop landing on “Go to Jail” and start collecting $200 every time you pass “Go.” I am known by my CPA friends as the self proclaimed “Shoebox Receipt Girl.” If I can do it, you can too!
Episodes
Dead or Alive? The Tax Pros and Cons of Gifting vs. Inheriting
Should you give assets away while you are alive—or wait and pass them on through your estate? The answer can mean the difference between millions in unnecessary taxes and a highly efficient wealth transfer. In this episode, we break down one of the most misunderstood areas of tax and estate planning: the strategic choice between inter vivos gifting and post-mortem inher...
Can you legally buy real estate inside your IRA or 401(k)? Many investors assume retirement accounts are limited to stocks and mutual funds, yet self-directed retirement plans allow the purchase of rental property, land, and even commercial buildings. Done correctly, this strategy can create tax-deferred or even tax-free real estate growth — but one misstep can trigger penalties, prohibited transactions, or unexpected taxes from th...
5 Paying Your Children Reducing Taxes and Instilling God's Work Principles
In this episode, we explore a powerful strategy that blends smart tax planning, family stewardship, and biblical principles of work. Learn how paying your children through your business—when done correctly and legally—can reduce your tax burden, keep more income within your household, and teach lifelong lessons about responsibility, diligence, and honoring G...
The REPS Advantage breaks down exactly how Real Estate Professional Status (REPS) works, why it is one of the most powerful tax tools in the Internal Revenue Code, and how you can qualify ethically, legally, and confidently.
In this episode, we explore the tactics that allow real estate investors to convert passive losses into active deductions, accelerate depreciation, leverage cost segregation studies, maximize material participa...
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The most common scams targeting individuals and business owners
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How IRS, banking, and government impersonation scams work
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Red flags that indicate fraud before money is lost
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Why urgency and fear are the scammer’s favorite tools
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How phishing emails, texts, and phone calls steal information
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Steps to protect your identity, finances, and business accounts
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What to do immediately if you...
No business owner wants an unexpected IRS audit. Yet, certain common mistakes and oversights can quietly put you on the IRS’s radar. In this episode, we uncover the most common IRS red flags, explain why they trigger audits, and share practical strategies to stay compliant and protect your business.
Whether you’re a freelancer, real estate investor, or small business ow...
Do you have a financial goal — or just wish for one? The difference between wishing and achieving often comes down to one simple habit: writing your financial vision down.
In this episode, we explore the transformative power of a written financial vision and why putting your money goals on paper is one of the most powerful steps an entrepreneur or investor ca...
One small bookkeeping habit can quietly destroy your liability protection.
Many business owners unknowingly commingle personal and business funds, thinking it’s a minor convenience. In reality, this single mistake can pierce the corporate veil, expose personal assets to lawsuits, disallow tax deductions, and create serious accounting problems...
In this episode, we break down how quarterly estimated taxes work, why entrepreneurs must pay them, and how to avoid IRS penalties using smart planning. Learn how to calculate what you owe, the safe-harbor rules, and simple strategies to stay compliant while keeping more of your hard-earned income. Perfect for small-business owners, freelancers, real-estate investors, and anyone wanting tax clarity. #QuarterlyTaxes #EstimatedTaxes ...
Line of Credit vs. Loan Interest: Which Financing Option Really Costs You More?
Not all borrowed money costs the same. In this episode, we break down how interest works on lines of credit versus traditional loans, uncover hidden financing costs, and explain which option delivers better cash flow for business owners and real estate investors. Learn how to borrow smarter, avoid interest traps, and choose the financing strategy that k...
Suzie Slip and Fall Is Looking for You :How to Own Real Estate Anonymously and Stay Protected.
If you own rental property, one unexpected lawsuit can put everything you’ve built at risk. Enter Suzie Slip and Fall — the fictional but all-too-real reminder that liability exposure is part of real estate investing. The question is not if someone might sue, but how prepared you are when it happens.
In this episode, we uncover how real e...
Hiring help should move your business forward—not expose you to IRS penalties, back taxes, and state labor violations. Yet worker misclassification remains one of the most common and expensive mistakes business owners make.
In this episode, we break down the real difference between W-2 employees and 1099 independent contractors, explain why “just paying th...
Many entrepreneurs unknowingly make tax mistakes that lead to penalties, audits, and missed deductions. In this episode, we break down five of the most common hidden tax traps that impact business owners, freelancers, and 1099 contractors—and how to fix them before they become costly.
In This Episode, You’ll Learn:-
Why misclassifying 1099 contractors can trigger IRS penalties
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How mis...
What does it mean to pursue growth without compromising faith? In a culture that celebrates hustle at all costs, godly entrepreneurs are called to build differently—with intention, stewardship, and trust in God’s direction.
In this episode, we explore how faith-based entrepreneurs can set meaningful goals that honor God, serve others, and sustain long-term success. This is not about chasing prof...
When it comes to accelerating deductions and reducing taxable income, few tax strategies are as powerful—or as misunderstood—as Section 179 and Bonus Depreciation. Business owners and real estate investors often hear these terms used interchangeably, but choosing the wrong one can limit deductions, create future tax problems, or leave significant money on the table.
In this episode, we break down how Section 179 and Bonus Depreciat...
Short-term rentals have transformed the real estate landscape—but are they truly more profitable than long-term rentals, and why do savvy investors keep calling them one of the most powerful tax strategies available today?
In this episode, we break down how Airbnb and other short-term rental strategies generate higher cash flow, unlo...
It is the most taxable time of the year. In this festive, fast-paced holiday game episode of Tax Me If You Can, we put Santa, his reindeer, the elves, and even the Grinch under IRS-level scrutiny. Naughty or Nice: Tax Edition blends real tax principles with holiday humor, testing whether seasonal myths hold up against federal tax law.
This episode is designed to entertain while quietly reinforcing core tax concepts—deductions vs. p...
Dead or Alive? The Tax Pros and Cons of Gifting vs. Inheriting
Should you give assets away while you are alive—or wait and pass them on through your estate? The answer can mean the difference between millions in unnecessary taxes and a highly efficient wealth transfer. In this episode, we break down one of the most misunderstood areas of tax and estate planning: the strategic choice between inter vivos gifting and post-mortem inher...
What if you could lock in a large charitable tax deduction today, reduce your current-year tax bill, and still decide where the money actually goes later—all while keeping your giving organized, flexible, and strategic? In this episode of Donor-Advised Funds Explained: The Smartest Way High Earners Give and Save on Taxes, we uncover why donor-advised funds have become one of the most powerful tax-planning tools used by high-income ...
The REPS Advantage breaks down exactly how Real Estate Professional Status (REPS) works, why it is one of the most powerful tax tools in the Internal Revenue Code, and how you can qualify ethically, legally, and confidently.
In this episode, we explore the tactics that allow real estate investors to convert passive losses into active deductions, accelerate depreciation, leverage cost segregation studies, maximize material participa...
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