https://fiatisfake.org/ Bitcoin and personal finance education. Plain English. Verify everything. en-us Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/about/ https://fiatisfake.org/about/ What this site is, how it is funded, and the editorial philosophy. Steelman the opposing view. Verify everything. Plain English. No financial advice. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/federal-contractor-finance/ https://fiatisfake.org/federal-contractor-finance/ No TSP, no FERS pension, contract-renewal risk, government-shutdown exposure, clearance financial-disclosure rules, and the contractor retirement strategy. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/real-estate-agent-finance/ https://fiatisfake.org/real-estate-agent-finance/ Commission income, 15.3% self-employment tax, irregular cash flow, S-Corp election break-even, Solo 401(k), quarterly estimated taxes, and home office. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/lawyers-finance/ https://fiatisfake.org/lawyers-finance/ Median $130K+ law-school debt, BigLaw vs public-interest tradeoff, partnership-track income volatility, the IOLTA professional-ethics obligation explained. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/nurses-finance/ https://fiatisfake.org/nurses-finance/ Travel-nursing tax-home rules, shift-differential budgeting, 403(b) and 457(b) stacking, PSLF eligibility for nonprofit-hospital nurses, NHSC loan repayment. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/el-salvador-guide/ https://fiatisfake.org/el-salvador-guide/ Decree 57 made Bitcoin legal tender in 2021. The IMF agreement in early 2025 made acceptance voluntary. The honest assessment of what worked and what did not. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/india/ https://fiatisfake.org/india/ India taxes all crypto gains at 30% flat with no deductions or loss offsets. 1% TDS on transactions. India ranks among the top countries on Chainalysis index. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/switzerland-portugal/ https://fiatisfake.org/switzerland-portugal/ Switzerland: tax-free private gains, but cantonal wealth tax applies. Portugal: tax-free Bitcoin gains held over 365 days. Two European approaches. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/singapore/ https://fiatisfake.org/singapore/ Singapore has no capital-gains tax. Long-term Bitcoin gains generally tax-free. Trading activity can be reclassified as taxable income. Mining is taxable. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/uae/ https://fiatisfake.org/uae/ UAE has 0% personal income tax, 0% capital-gains tax, and Dubai VARA was the first dedicated virtual-assets regulator. Residency via Golden Visa or company. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/germany/ https://fiatisfake.org/germany/ Germany taxes Bitcoin at 0% if held over 12 months. The euro-600 de minimis covers small short-term gains. One of the most BTC-friendly jurisdictions. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/tools/roth-conversion-sweet-spot/ https://fiatisfake.org/tools/roth-conversion-sweet-spot/ Find the maximum Roth conversion that keeps you within your target federal tax bracket. Filling lower brackets in pre-RMD years saves lifetime tax. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/tools/backdoor-roth-pro-rata/ https://fiatisfake.org/tools/backdoor-roth-pro-rata/ See exactly how much of your backdoor Roth conversion is taxable when pre-tax IRA balances trigger the pro-rata rule. With Form 8606 reminder. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/tools/irmaa-estimator/ https://fiatisfake.org/tools/irmaa-estimator/ Estimate your 2026 Medicare Part B premium based on MAGI from 2 years ago. Cliff warnings for income near tier boundaries. SSA-44 appeal note. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/tools/72t-sepp-calculator/ https://fiatisfake.org/tools/72t-sepp-calculator/ Calculate your 72(t) SEPP annual distribution under all three IRS-approved methods (RMD, amortization, annuitization) for IRA early withdrawal without penalty. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/tools/cd-ladder/ https://fiatisfake.org/tools/cd-ladder/ Build a Certificate of Deposit ladder with 3 to 7 rungs. See the per-rung interest, blended APY, and the maturity schedule for your specific allocation. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/tools/money-market-comparison/ https://fiatisfake.org/tools/money-market-comparison/ Compare SPAXX, FZFXX, FDLXX, HYSAs, T-bills, and CDs on an after-tax basis given your federal and state tax brackets. Live recalculation as rates change. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/tools/refi-break-even/ https://fiatisfake.org/tools/refi-break-even/ Calculate how many months it takes to recover refinancing closing costs through payment savings. See if refinancing makes sense for your stay-time horizon. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/changelog/ https://fiatisfake.org/changelog/ Tax figures and content updates by date. The newest entries are at the top. The changelog tracks all major site additions, expansions, and figure refreshes. Mon, 27 Apr 2026 22:09:08 GMT https://fiatisfake.org/teachers-finance/ https://fiatisfake.org/teachers-finance/ 403(b) vendors range from predatory annuity sellers to low-cost mutual funds. 457(b) has no early-withdrawal penalty. Pension portability and post-WEP/GPO SS. Mon, 27 Apr 2026 22:09:08 GMT