The 3.8% Tax You Didn’t Plan For (What High Earners Need to Know) In this episode of BA Podcast Guys, host Robert Lovaglio sits down with certified financial planner Austen Jacks, CFP® to break down the 3.8% Net Investment Income Tax (NIIT) — the additional tax that can apply once your income crosses the $200,000 threshold. Many high earners focus on capital gains rates, dividends, and overall investment returns, but fewer people realize there may be an additional 3.8% tax layered on top of those gains. Aust...
The 3.8% Tax You Didn’t Plan For (What High Earners Need to Know) In this episode of BA Podcast Guys, host Robert Lovaglio sits down with certified financial planner Austen Jacks, CFP® to break down the 3.8% Net Investment Income Tax (NIIT) — the additional tax that can apply once your income crosses the $200,000 threshold. Many high earners focus on capital gains rates, dividends, and overall investment returns, but fewer people realize there may be an additional 3.8% tax layered on top of those gains. Austen explains who it applies to, how the $200K threshold works, how modified adjusted gross income factors in, and why certain investors — especially business owners and executives — need to pay attention. They also discuss practical planning considerations, including how selling private company stock, capital gains timing, and investment income structure can impact your total tax liability. If you’re a high-income earner, investor, or someone approaching that $200K mark, this conversation could save you from an unexpected tax surprise. This podcast is for educational purposes only. Always consult your CPA or financial advisor before making financial decisions. Subscribe to BA Podcast Guys for more conversations on wealth building, tax strategy, investing, and financial planning. ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ Timestamps:
00:00 – When Success Changes Your Taxes
00:31 – Podcast Introduction
01:00 – Question of the Day
01:21 – What Is Net Investment Income Tax?
02:13 – Why It’s Hard to Plan For
03:22 – Example: How the 3.8% Applies
04:43 – Why the Extra 4% Hurts
05:08 – Can You Avoid the Tax?
06:54 – Key Takeaways and Summary ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖
📈 Welcome to Best Advice Podcast Guys! We bring you expert financial advice, success stories, and insights from top industry leaders. Hosted by Rob Lovaglio and a panel of experienced financial professionals—including Frank Lovaglio, RFC®, David Allen, CFP®, Mitchell Walk, AAMS®, Austen Jacks, CFP®, and Mitch Allen, CFP®—we break down the strategies that drive wealth, success, and financial freedom. ➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖➖ 🎧 Listen & Subscribe:
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