Leaving a job with an outstanding 401(k) loan? You could be hit with unexpected taxes if you’re not careful. This post breaks down what happens when a plan loan is "offset," what qualifies as a Qualified Plan Loan Offset (QPLO), and how to avoid paying unnecessary taxes by understanding your rollover options. Simple, practical advice—no jargon required.

Confused about gift tax returns? Learn when you need to file IRS Form 709, how the $19,000 annual exclusion works, and why the lifetime exemption — rising to $15 million in 2026 — means most gifts won’t trigger tax. Clear up the confusion and plan your gifting strategy with confidence.

Your tax withholding affects your refund or tax bill. Learn how adjusting it can help you avoid surprises and keep more of your money.