Baobab Bulletin - Issue #1 - What we're building, watching, and reading to start 2026.
Baobab Bulletin • Issue #6 • March 2026
A twice‑monthly roundup from Baobab Wealth & Baobab Wealth Abroad
The Baobab Bulletin
Hi there,
Spring has a way of bringing taxes back into focus. But for many people, the real impact of taxes doesn’t show up just in April; it follows them into retirement through Social Security taxes, Medicare premiums, and the way their savings are structured.
In this month’s Baobab Bulletin, we look at how these hidden tax layers can affect your retirement income, the proportion of savings you should have in pre- vs post-tax retirement accounts, plus a bit on the secret math in your credit card.
We’ve also included a guide to help you evaluate whether a mega backdoor Roth contribution makes sense based on your income, your plan, and your long-term goals.
If you’d like to review how this applies to your situation, you can schedule a call by clicking the button below.
Have a question? Click HERE to schedule a screen share and we'll walk through it together.
The Secret Math That Checks Every Credit Card Number
How does the vendor know that your credit card is valid? Learn how the Luhn Algorithm and check digits use simple math to instantly catch common typing errors before transactions ever go through.
More savings is always better, but there’s real value in thinking strategically about how much you want in pre-tax accounts like 401(k)s and IRAs by the time you retire.
Welcome to Divorce the IRS, the Retirement Income Planning Podcast, built for people who want to pay the least amount of taxes possible and create retirement income that actually lasts. Inspired by Jimmy Miller’s bestselling book Divorce, the IRS, this show takes you behind the scenes of the tax rules, retirement strategies, and planning decisions that can quietly determine how much of your money you keep.
As a non‑US citizen living and working in the United States, you face many new challenges when it comes to learning and understanding a completely new financial and tax system. The goal of this podcast is to help non‑US citizens and cross‑border families implement effective strategies to take full advantage of the opportunities to create wealth in the United States-both while you're here and even once you've left.
Expat taxes are one of the biggest and most misunderstood challenges for Americans trying to live overseas—and in this episode, Jimmy Miller breaks down exactly how to navigate them.
Baobab Wealth Management and Baobab Wealth Abroad are DBA names of Baobab Wealth LLC, a Florida state Registered Investment Advisor.
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