ACCOUNTANT EXPLAINS Why 1099 Income Is Better Than W-2 For Taxes

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  • Опубліковано 10 січ 2025

КОМЕНТАРІ • 77

  • @coachcortneyrose
    @coachcortneyrose 9 місяців тому +22

    This video sheds light on a crucial aspect of taxation that many overlook. The breakdown between W2 and 1099 income is eye-opening, showcasing the benefits of being a 1099 earner. It's all about maximizing your income and minimizing tax liabilities. Great insights!

    • @mycpacoach
      @mycpacoach  9 місяців тому +2

      Exactly! Thank you.

  • @SortaFresh
    @SortaFresh 7 місяців тому +13

    This is an excellent video in every aspect. The knowledge, the editing, the simplicity, etc. Thank you Sherman for the help. I really appreciate it.

    • @mycpacoach
      @mycpacoach  7 місяців тому +2

      Thank you, I sincerely appreciate your feedback. I am glad you found this helpful.

  • @dereknovaes4217
    @dereknovaes4217 18 днів тому +2

    Leaving the education system and going 1099! This was the first piece of research, I am SOOO THANKFUL!

    • @ChWilde25
      @ChWilde25 4 дні тому

      I know a great 1099 position! We work in finance and we offer 5+ income streams!

  • @patriciaterry5539
    @patriciaterry5539 6 місяців тому +3

    New subscriber! Newly retired and newly licensed Enrolled Agent. Excellent video. As a retired Revenue Officer many of the people I encountered were not disciplined or educated to make 1099 income work as a benefit, thus they often ran into tax issues.

  • @featheringitbrutha2696
    @featheringitbrutha2696 4 місяці тому +3

    Awesome insights! I'm recently transitioning from W2 to 1099,so I can't wait to use these tips during tax time.

  • @MarkM-xd2zo
    @MarkM-xd2zo 3 місяці тому +9

    Ive been a 1099 contractor for 15 years and love the tax benefits over a W2. Ive tried to explain this to some; they just don't get it and insist they are better off because they get paid vacation and benefits. For some, math isn't their strong point. :)

    • @Just_A_Name14
      @Just_A_Name14 25 днів тому

      Show me where mathematically it’s better to get paid a 1099 over a w-2 in a labor/hr job. Like horticulture/farm work.

    • @MarkM-xd2zo
      @MarkM-xd2zo 25 днів тому

      For starters, you pay leß taxes from the deductions you get from 1099 employment. As a w2 employee, all of us incomes is taxed and you receive what is left. With that paycheck you pay your expenses right? As a 1099er, you receive all of your pay upfront, were off your expenses and pay taxes and what's left. That's just one of many savings.

    • @Just_A_Name14
      @Just_A_Name14 25 днів тому

      @@MarkM-xd2zo 😂 you saving some money on gas doesn’t save you money when you pay 15.3% of your money on top of state and federal taxes. You’re paying approximately 32% of your money on 1099’s. You’re not writing off no where close to 15% of your expenses in a labor/hr scenario. It’s only beneficial if you open an LLC one year and write off all kinds of tool purchases and a vehicle then dissolve the company

  • @BBlongstroke1
    @BBlongstroke1 6 місяців тому +4

    I just started a few businesses and now this has came across my feed. I knew some of these benefits but wow. Now im wondering if i need to go to a professional and have them look at my stuff. Great video, now im confused as heck on this whole 1099 thing and what i can and cant write off. Feels like im missing out on lots of benefits.

  • @jackiekryske9580
    @jackiekryske9580 9 місяців тому +1

    Great info! Love your videos! Thank you!

  • @jaym3011
    @jaym3011 4 місяці тому +1

    Awesome video. Thank you. I learned a lot. I will make sure to check your channel in more detail. I’m sure you have videos that offer more detailed information.

  • @dareeltoro6681
    @dareeltoro6681 7 місяців тому +4

    In W-2, employers pays half of 15.3% owed taxes or 7.65%, 1099 employee pays the entire 15.3%

    • @mycpacoach
      @mycpacoach  6 місяців тому +6

      Correct, though 1099 contractors can 1) write-off the 15.3% and 2) use an entity like an S-Corp or C-Corp to shield themselves from this tax altogether.

  • @mr.rodriguez3908
    @mr.rodriguez3908 9 місяців тому +3

    Is there a tax advantage if your LLC is taxed as an S corp and you are a W2 employee of your own LLC?

    • @mycpacoach
      @mycpacoach  9 місяців тому +1

      Yes. Watch my full video on this topic here: ua-cam.com/video/SCpWeCLfqo4/v-deo.htmlsi=Q8gXMTZiPLeFEgTk

  • @foreverenyia
    @foreverenyia 2 місяці тому +1

    Can you do a video on how to e-file a 1099 form on your own ??
    I filed a couple of 1099 forms with Jackson Hewitt last year and in addition to paying $930 for self employment taxes I also had to pay Jackson Hewitt $623 .

  • @bkfinancialplan
    @bkfinancialplan 6 місяців тому

    Nice job. Solo 401k all the way, can add spouse for their own solo if they “work” in business, plus the solo has catch up 50+ which SEP does not.

  • @markshard
    @markshard 3 місяці тому +3

    Little misleading on the car expense. Commuting miles are not covered. Only miles you drive while on the job.

  • @Falanu
    @Falanu 7 місяців тому +2

    Both right now. My day job funds my real plans. Real estate and perhaps other businesses until I can work what I want and how much I want in perpetual semi-retirement
    🏠🏠🏠🏠🏠🏠🏠🏠

  • @adalex08
    @adalex08 2 місяці тому

    Hi. I own a cleaning service. Been in business for 3 years, so still getting started. I've been wanting to switch my workers over to W2 but it seems very expensive. I'm hearing there's an additional cost after the Deductions out of your workers pay towards the owner. Is this true?

  • @carolangeli1025
    @carolangeli1025 19 днів тому

    I recently was advised to go 1099 but I didn’t have all of this information. Thanks!
    I was curious though… a friend told me that “employers” don’t have to pay me for orientation if I’m 1099. But yet I have to use the computer application they require for my charting. Can you offer any info about this?

  • @Hi-jx5oe
    @Hi-jx5oe 9 місяців тому +1

    Hi,are you keeping up with Social security change

    • @mycpacoach
      @mycpacoach  9 місяців тому

      Hi, what would you like to know?

    • @Hi-jx5oe
      @Hi-jx5oe 9 місяців тому

      @@mycpacoach will the changes to Social Security affect our investment if we go from W2 to 1099

  • @Wayne-qn6zo
    @Wayne-qn6zo 4 місяці тому

    I don't know if this will be seen by others, but W2, W4, 1099,1096,1097 are all class 5 gift and estate taxes and should use IRS form 706 or 709 gift and estate forms

  • @jimdandy8996
    @jimdandy8996 9 місяців тому +2

    But when you go S-Corp on that 1099 you have to pay estimated taxes upfront.

    • @mycpacoach
      @mycpacoach  9 місяців тому +2

      Yes, technically any individual that expects to owe more than $1,000 is required to make quarterly estimated tax payments.

  • @BESTDRIVINGACADEMY
    @BESTDRIVINGACADEMY 11 днів тому

    I have a person who only works maybe two or three days a month and he tells us when he wants to work. He was grandfathered in when I bought the business from my parents. This person can be considered a contractor correct? Or it doesn’t matter?

  • @amylandry8924
    @amylandry8924 2 місяці тому

    I thought I heard you say in the video that you had listed inexpensive bookkeeping info link in this info, but I do not see it....???

  • @tishg6053
    @tishg6053 3 місяці тому

    Excellent video. Thank you sir!

  • @Tracklyfe_T
    @Tracklyfe_T 7 місяців тому

    Great information broo!! As a Bussiness owner, Im allowed to deduct all of my 401k Contributions on my taxes for that year???

  • @ATK_adventuretimekennel
    @ATK_adventuretimekennel 4 місяці тому

    Can I work w2 and hold a LLC and can I take my w2 money out it in my LLC bank account

  • @ozemwogiemike8860
    @ozemwogiemike8860 4 місяці тому

    Is it possible to combine 1099 with w2 especially as couple filling taxes together Sir?

  • @evamiteva1065
    @evamiteva1065 5 місяців тому

    Hi, Great video. I have a question.
    What about if you are a salon owner who has only 1099 workers. Can you put yourself also on 1099 as an owner, if you are LLC under C corporation???

    • @mycpacoach
      @mycpacoach  5 місяців тому

      To clarify, are you saying that you operate as an LLC taxed as a C Corporation?

    • @evamiteva1065
      @evamiteva1065 5 місяців тому

      Yes! I put myself on w2 but the taxes I pay are extremely high. So I am trying to understand how can I pay myself under 1099 , or is it that I am under C corp that is making me pay those high taxes?

    • @hiv5798
      @hiv5798 4 місяці тому

      @@evamiteva1065yes, you are a C-Corp that pays about 15-20% you have to transition to S-corp for 0% taxes on you and your employees

  • @driamikala
    @driamikala 2 місяці тому

    I do a lot of gig work on the side... a gig customer service job 1099, 1099 paper route, gig driving jobs occasionally even! AND I work a main w-2. I need help, do you guys help with this? I can't see how much I can write off because I live with family.... so the home office write off probably wont work for me.....

    • @iiilovemangoesss
      @iiilovemangoesss 18 годин тому

      Hey have you found answers ? Im having the same issue

  • @jamieriddle9684
    @jamieriddle9684 3 місяці тому

    So if a 1099 employee for a semi trucking company can I have my own LLC or any of those?

  • @lseh4720
    @lseh4720 9 місяців тому

    Can property owners with LLCs deduct things like meals, when husband and wife go to talk about the things that need to be done on the properties. Is that allowed?

    • @JimLMA
      @JimLMA 5 місяців тому +1

      (not a tax prof.) My wife works for my LLC. She has a company email address and at the end of the year she receives a 1099 from the LLC. It's only a couple grand and really just shifts LLC profit from one pocket to another. However it is proof that she works with/for the LLC). So if there is a leaky faucet and other issues at a property, and over dinner you and your wife determine who is going to email companies to get estimates for the work, that would technically be a business dinner.

  • @AiPhan-h8m
    @AiPhan-h8m 9 місяців тому

    I’m 1099 self employed and have to pay lots of taxes this year. Could you please guide me how to open an LLC. Thank you!

    • @mycpacoach
      @mycpacoach  9 місяців тому +3

      As a 1099 earner, you have access to the same tax deductions as you would with an LLC. An LLC will only provide you with added legal protection, unless you want to be taxed as an S-Corp or C-Corp. Nonetheless, I'd suggest the following two videos:
      - 30 Best Business Tax Write-offs: ua-cam.com/video/cephBVusUS4/v-deo.html
      - The Best Entity for Every Stage of Your Business: ua-cam.com/video/SCpWeCLfqo4/v-deo.html
      Hope this helps!

    • @AiPhan-h8m
      @AiPhan-h8m 9 місяців тому

      Great. Thank you so much. I will watch your videos now. I learn a lot from you and always support your channel.

  • @celinalima1194
    @celinalima1194 2 місяці тому

    Thank you 😊❤

  • @Just_A_Name14
    @Just_A_Name14 25 днів тому +1

    As a 1099 without an LLC you’re getting bent over. 15.3% tax plus state and federal lol. That’s 33% of your money

    • @mikewhite8848
      @mikewhite8848 25 днів тому

      That's why you have to use the tax write offs to your advantage.

    • @Just_A_Name14
      @Just_A_Name14 25 днів тому

      @ yeah but the gas and expenses don’t equate to that extra 15.3%

    • @mikewhite8848
      @mikewhite8848 25 днів тому

      @@Just_A_Name14 car maintenance...ect make it equate that 15%

    • @Just_A_Name14
      @Just_A_Name14 24 дні тому

      @@mikewhite8848 not when it’s 10 mins from my house

  • @JLW667
    @JLW667 3 місяці тому

    7:02

  • @ATK_adventuretimekennel
    @ATK_adventuretimekennel 4 місяці тому

    People say I can work w2 and hold LLC

  • @JLW667
    @JLW667 3 місяці тому

    Thank You

  • @SeanMHolloway
    @SeanMHolloway 9 місяців тому

    A) This assumes a certain level of income and
    B) It's not surprising that a CPA is advocating for the method that requires the hiring of an accountant to file for you 🙄

    • @mycpacoach
      @mycpacoach  9 місяців тому

      Where does it assume a level of income?

    • @SeanMHolloway
      @SeanMHolloway 9 місяців тому

      As a basic premise for a 1099 being better. Some people do not earn enough for it to make sense. Some people do not have enough qualifying expenses to deduct. This may be true for earners of a certain type, but to say that it is better as a blanket statement is false. If a W2 was worse for employees in all cases, then no one would earn that way because no business would pay under a W2 as it costs them more. I can't fault you for drumming up business for yourself and your industry, but a 1099 is not better in all cases. Clearly.@@mycpacoach

    • @mycpacoach
      @mycpacoach  9 місяців тому +1

      Did you watch the full video?

    • @SeanMHolloway
      @SeanMHolloway 9 місяців тому

      Yes. You mentioned jobs that are full of business expenses and generally have higher incomes. You're a CPA. Run the numbers on someone who works at Walmart, rents an apartment, and walks to work. Like I said, it makes sense for certain earners, but it is not BETTER as a default. W2 is the default for a reason. @@mycpacoach

    • @mycpacoach
      @mycpacoach  9 місяців тому

      How would someone in your example not benefit more from the QBI deduction (benefit #1)?

  • @KhadiB
    @KhadiB 4 місяці тому

    Sounds like 1099 is the way to go. I need to hire me a CPA

  • @Theillest13
    @Theillest13 3 дні тому

    1099 all day

  • @ATK_adventuretimekennel
    @ATK_adventuretimekennel 4 місяці тому

    How can I contact you