Tax and Money Mastery Cut taxes, crush debt, and grow your money — made simple
Are you tired of feeling lost when it comes to your money? Wondering how to get real tax help or how to legally pay less to the IRS? Have you ever asked, “How do I increase my income, save more for retirement, or finally get out of debt?” You’re not alone — and you’re in the right place.
Welcome to Tax and Money Mastery, the podcast that makes taxes and finances simple, strategic, and surprisingly empowering. Each episode breaks down complex topics like tax-saving strategies, debt elimination, business write-offs, and wealth-building methods into practical, easy-to-follow steps. You’ll learn how to keep more of what you earn, create lasting financial security, and use the tax code to your advantage — all while avoiding costly mistakes.
Whether you’re a business owner, investor, or everyday taxpayer, this show helps you uncover the tools and tactics that the wealthy use to grow and protect their money. You’ll discover how to structure your income efficiently, find hidden deductions, and prepare for retirement without draining your bank account. And if you owe the IRS or feel overwhelmed by debt, we’ll share proven strategies to help you take control and move forward with confidence.
I’m your host, Ashley Freeman, and my journey into taxes began back in the early 2000s when I launched my first business as a real estate investor. I was a new baby Christian who was scared to death as a single mom with 3 children who depended on me for support. At first, taxes were intimidating — but soon, I realized they were like a game. The more I learned the rules, the easier it became to win. I mastered strategies that allowed me to make over $300,000 per year and still get a tax refund instead of paying more to the IRS. Now, I’m here to share what I’ve learned so you can do the same.
Let’s be honest — most people would rather get a root canal than talk about taxes. The IRS letters pile up in the mail, and suddenly you’re playing a game of “peekaboo” with your mailbox. Or maybe you’ve stared at your tax return thinking, “Why does it feel like the more I make, the less I keep?”
I get it — I’ve been there. Taxes used to confuse me too… until I realized they’re just like Monopoly. Once you learn the rules, you stop landing on “Go to Jail” and start collecting $200 every time you pass “Go.” I am known by my CPA friends as the self proclaimed “Shoebox Receipt Girl.” If I can do it, you can too!
Listen on:
Episodes
4 hours ago
4 hours ago
Can you legally buy real estate inside your IRA or 401(k)? Many investors assume retirement accounts are limited to stocks and mutual funds, yet self-directed retirement plans allow the purchase of rental property, land, and even commercial buildings. Done correctly, this strategy can create tax-deferred or even tax-free real estate growth — but one misstep can trigger penalties, prohibited transactions, or unexpected taxes from the Internal Revenue Service.
In this episode, we break down how real estate investing inside retirement accounts actually works, the strict compliance rules investors often overlook, and the financing traps that can create hidden tax bills like UBIT. You’ll learn when using a self-directed IRA or solo 401(k) for property investing can accelerate long-term wealth — and when it may quietly undermine your retirement plan.
Whether you’re a business owner, high-income professional, or serious investor seeking tax-efficient growth strategies, this episode will help you understand if retirement-account real estate belongs in your financial blueprint.
Disclaimer: The information shared in this podcast is for general educational purposes only and does not constitute legal, tax, financial, or accounting advice. Nothing discussed should be interpreted as specific guidance for your personal situation. Laws and regulations change, and the applicability of the concepts discussed may vary based on your individual circumstances. Before making any decisions, you should consult with a qualified professional who can provide advice tailored to your needs.
If you require personalized assistance, you may contact me at TaxAndMoneyMastery.com.
© 2026 All Rights Reserved. Tax and Money Mastery
Monday Feb 09, 2026
Monday Feb 09, 2026
5 Paying Your Children Reducing Taxes and Instilling God's Work Principles
In this episode, we explore a powerful strategy that blends smart tax planning, family stewardship, and biblical principles of work. Learn how paying your children through your business—when done correctly and legally—can reduce your tax burden, keep more income within your household, and teach lifelong lessons about responsibility, diligence, and honoring God through our labor.
We break down how the IRS allows business owners to hire their children, how income shifting lowers overall family taxation, and what jobs children can legitimately perform in a family business. You’ll also discover how work becomes a discipleship opportunity, helping your children understand Colossians 3:23 and God’s design for meaningful, wholehearted effort.
Whether you’re an entrepreneur looking to strengthen your tax strategy or a parent wanting to build godly work ethic in your home, this episode offers a clear, practical, faith-centered approach to managing your finances with integrity and purpose.
Disclaimer: The information shared in this podcast is for general educational purposes only and does not constitute legal, tax, financial, or accounting advice. Nothing discussed should be interpreted as specific guidance for your personal situation. Laws and regulations change, and the applicability of the concepts discussed may vary based on your individual circumstances. Before making any decisions, you should consult with a qualified professional who can provide advice tailored to your needs.
If you require personalized assistance, you may contact me at TaxAndMoneyMastery.com.
© 2025 All Rights Reserved.
Thursday Feb 05, 2026
Thursday Feb 05, 2026
The REPS Advantage breaks down exactly how Real Estate Professional Status (REPS) works, why it is one of the most powerful tax tools in the Internal Revenue Code, and how you can qualify ethically, legally, and confidently.
In this episode, we explore the tactics that allow real estate investors to convert passive losses into active deductions, accelerate depreciation, leverage cost segregation studies, maximize material participation, and use the IRS rules to build long-term wealth. Whether you are a W-2 high earner, a real estate developer, or a growing investor ready to scale, this podcast delivers the clarity and direction you need to use real estate to offset taxes.
How Real Estate Professional Status actually works – without the confusing jargon
The tests you must meet to qualify for REPS and how to document your hours
Why grouping elections matter and how they unlock tax savings
The connection between REPS, cost segregation, and accelerated depreciation
How investors legally reduce their tax burden using real-property trades and businesses.
Why This Episode MattersReal Estate Professional Status is more than a title — it is a legal tax strategy that can transform your finances. When used properly, REPS allows investors to unlock passive losses, shelter active income, supercharge depreciation deductions, and accelerate wealth building. This episode offers a clear and practical roadmap, empowering you to capture every benefit available under the tax code.
You can contact me at: taxandmoneymastery@gmail.com
Disclaimer: The information shared in this podcast is for general educational purposes only and does not constitute legal, tax, financial, or accounting advice. Nothing discussed should be interpreted as specific guidance for your personal situation. Laws and regulations change, and the applicability of the concepts discussed may vary based on your individual circumstances. Before making any decisions, you should consult with a qualified professional who can provide advice tailored to your needs.
If you require personalized assistance, you may contact me at TaxAndMoneyMastery.com.
© 2026 All Rights Reserved. Tax and Money Mastery
Monday Feb 02, 2026
Monday Feb 02, 2026
What You’ll Learn in This Episode
The most common scams targeting individuals and business owners
How IRS, banking, and government impersonation scams work
Red flags that indicate fraud before money is lost
Why urgency and fear are the scammer’s favorite tools
How phishing emails, texts, and phone calls steal information
Steps to protect your identity, finances, and business accounts
What to do immediately if you suspect a scam
Disclaimer: The information shared in this podcast is for general educational purposes only and does not constitute legal, tax, financial, or accounting advice. Nothing discussed should be interpreted as specific guidance for your personal situation. Laws and regulations change, and the applicability of the concepts discussed may vary based on your individual circumstances. Before making any decisions, you should consult with a qualified professional who can provide advice tailored to your needs.
If you require personalized assistance, you may contact me at TaxAndMoneyMastery.com.
© 2026 All Rights Reserved. Tax and Money Mastery
Common Scams and Red Flags Targeting Individuals and Business Owners.pdf
Thursday Jan 29, 2026
Thursday Jan 29, 2026
IRS Red Flags: How to Avoid Triggers That Could Spark an Audit
No business owner wants an unexpected IRS audit. Yet, certain common mistakes and oversights can quietly put you on the IRS’s radar. In this episode, we uncover the most common IRS red flags, explain why they trigger audits, and share practical strategies to stay compliant and protect your business.
Whether you’re a freelancer, real estate investor, or small business owner, understanding these audit triggers is key to keeping your finances safe and avoiding costly surprises.
What You’ll Learn in This Episode
The top IRS red flags that frequently trigger audits
How business owners unintentionally raise suspicion on tax returns
Common bookkeeping and reporting mistakes to avoid
Why unusually high deductions, large charitable contributions, and mismatched income can alert the IRS
How to properly track expenses and maintain supporting documentation
Tips for handling multi-state tax obligations
Best practices to prevent mistakes without overcomplicating your finances
Why This Matters
The IRS doesn’t randomly select returns for audits — there are patterns and triggers they monitor closely. Understanding these red flags allows you to:
Keep your books clean and organized
Protect your personal and business assets
Maximize deductions safely
Reduce stress and the risk of penalties
Who This Episode Is For
Small business owners and entrepreneurs
Freelancers and 1099 contractors
Real estate investors and rental property owners
Anyone interested in tax compliance and audit prevention
Key Takeaway
Being aware of IRS red flags is the first step to proactive tax planning. Simple bookkeeping practices, proper reporting, and careful documentation can prevent audits and keep your finances audit-ready all year long.
Disclaimer: The information shared in this podcast is for general educational purposes only and does not constitute legal, tax, financial, or accounting advice. Nothing discussed should be interpreted as specific guidance for your personal situation. Laws and regulations change, and the applicability of the concepts discussed may vary based on your individual circumstances. Before making any decisions, you should consult with a qualified professional who can provide advice tailored to your needs.
If you require personalized assistance, you may contact me at TaxAndMoneyMastery.com.
© 2026 All Rights Reserved. Tax and Money Mastery
Monday Jan 26, 2026
Monday Jan 26, 2026
Write the Vision, Build the Wealth: The Power of a Written Financial Plan
Do you have a financial goal — or just wish for one? The difference between wishing and achieving often comes down to one simple habit: writing your financial vision down.
In this episode, we explore the transformative power of a written financial vision and why putting your money goals on paper is one of the most powerful steps an entrepreneur or investor can take. From creating clarity to activating focus and attracting resources, a written vision turns aspirations into actionable wealth-building strategies.
What You’ll Learn in This Episode
Why a written financial vision is more effective than mental goal-setting
How documenting your financial goals accelerates wealth creation
Steps to create a clear, actionable financial vision statement
How a written vision aligns your money mindset with business growth
The role of accountability and tracking in achieving financial targets
Common mistakes people make when setting financial goals
How faith, focus, and planning combine to create lasting prosperity
Why This Matters
Successful entrepreneurs and investors don’t leave money to chance. A written financial vision:
Provides clarity in decision-making
Attracts opportunities and resources
Keeps you accountable to your goals
Transforms vague dreams into measurable results
If you want to turn financial wishes into wealth-building reality, this episode will show you exactly how to start.
Who This Episode Is For
Entrepreneurs and business owners
Real estate investors
Professionals seeking financial clarity and growth
Anyone ready to align mindset, strategy, and action for wealth creation
Key Takeaway
A vision written on paper is more than words — it is a roadmap to wealth. By committing your financial goals to writing, you create clarity, focus, and momentum that can transform your financial future.
Disclaimer: The information shared in this podcast is for general educational purposes only and does not constitute legal, tax, financial, or accounting advice. Nothing discussed should be interpreted as specific guidance for your personal situation. Laws and regulations change, and the applicability of the concepts discussed may vary based on your individual circumstances. Before making any decisions, you should consult with a qualified professional who can provide advice tailored to your needs.
If you require personalized assistance, you may contact me at TaxAndMoneyMastery.com.
© 2026 All Rights Reserved. Tax and Money Mastery
Thursday Jan 22, 2026
Thursday Jan 22, 2026
Piercing the Corporate Veil: Why Mixing Personal and Business Funds Is a Dangerous Mistake
One small bookkeeping habit can quietly destroy your liability protection.
Many business owners unknowingly commingle personal and business funds, thinking it’s a minor convenience. In reality, this single mistake can pierce the corporate veil, expose personal assets to lawsuits, disallow tax deductions, and create serious accounting problems.
In this episode, we break down why financial separation is the foundation of asset protection, how commingling triggers legal and tax risks, and exactly how to fix mistakes if they’ve already happened.
If you own an LLC or corporation, this is an essential listen.
Disclaimer: The information shared in this podcast is for general educational purposes only and does not constitute legal, tax, financial, or accounting advice. Nothing discussed should be interpreted as specific guidance for your personal situation. Laws and regulations change, and the applicability of the concepts discussed may vary based on your individual circumstances. Before making any decisions, you should consult with a qualified professional who can provide advice tailored to your needs.
If you require personalized assistance, you may contact me at TaxAndMoneyMastery.com.
© 2026 All Rights Reserved. Tax and Money Mastery
Monday Jan 19, 2026
Monday Jan 19, 2026
In this episode, we break down how quarterly estimated taxes work, why entrepreneurs must pay them, and how to avoid IRS penalties using smart planning. Learn how to calculate what you owe, the safe-harbor rules, and simple strategies to stay compliant while keeping more of your hard-earned income. Perfect for small-business owners, freelancers, real-estate investors, and anyone wanting tax clarity. #QuarterlyTaxes #EstimatedTaxes #EntrepreneurTaxes #SmallBusinessFinances #TaxPlanning #FinancePodcast.
Disclaimer: The information shared in this podcast is for general educational purposes only and does not constitute legal, tax, financial, or accounting advice. Nothing discussed should be interpreted as specific guidance for your personal situation. Laws and regulations change, and the applicability of the concepts discussed may vary based on your individual circumstances. Before making any decisions, you should consult with a qualified professional who can provide advice tailored to your needs.
If you require personalized assistance, you may contact me at TaxAndMoneyMastery.com.
© 2026 All Rights Reserved. Tax and Money Mastery
Thursday Jan 15, 2026
Thursday Jan 15, 2026
Line of Credit vs. Loan Interest: Which Financing Option Really Costs You More?
Not all borrowed money costs the same. In this episode, we break down how interest works on lines of credit versus traditional loans, uncover hidden financing costs, and explain which option delivers better cash flow for business owners and real estate investors. Learn how to borrow smarter, avoid interest traps, and choose the financing strategy that keeps more money in your pocket.
What You’ll Learn in This Episode
The fundamental difference between a line of credit and a term loan
How interest is calculated for each financing option
Why lines of credit charge interest only on what you use
Why loans often have lower rates but fixed repayment schedules
Disclaimer: The information shared in this podcast is for general educational purposes only and does not constitute legal, tax, financial, or accounting advice. Nothing discussed should be interpreted as specific guidance for your personal situation. Laws and regulations change, and the applicability of the concepts discussed may vary based on your individual circumstances. Before making any decisions, you should consult with a qualified professional who can provide advice tailored to your needs.
If you require personalized assistance, you may contact me at TaxAndMoneyMastery@gmail.com
© 2026 All Rights Reserved Tax and Money Mastery
Monday Jan 12, 2026
Monday Jan 12, 2026
Suzie Slip and Fall Is Looking for You :How to Own Real Estate Anonymously and Stay Protected.
If you own rental property, one unexpected lawsuit can put everything you’ve built at risk. Enter Suzie Slip and Fall — the fictional but all-too-real reminder that liability exposure is part of real estate investing. The question is not if someone might sue, but how prepared you are when it happens.
In this episode, we uncover how real estate investors legally structure property ownership to maintain privacy, reduce exposure, and protect assets — without crossing ethical or legal lines. You’ll learn how anonymity works in real estate, what the public can see about your properties, and how smart structuring keeps your personal name off the radar.
What You’ll Learn in This Episode
Why real estate ownership records are fully public
How lawsuits target visible property owners
What “anonymous ownership” actually means in legal terms
The difference between privacy, asset protection, and illegal concealment
How LLCs, land trusts, and holding companies create ownership layers
Which states offer privacy-friendly LLC filings
Common mistakes that accidentally expose your identity
The balance between financing, insurance, and anonymity
Meet Suzie Slip and Fall
Suzie represents the everyday liability risk every property owner faces — a tenant, visitor, or delivery driver who gets hurt and hires an attorney. When your name is directly on the deed, your entire personal balance sheet becomes an easy target. This episode explains how smart investors ensure Suzie can find the property — but not your personal assets.
Real Estate Anonymity Tools Covered
Privacy-focused LLC structuring
Land trusts for title ownership
Layered holding companies
Registered agents and business addresses
Proper banking and documentation practices
Each tool is explained in plain language so you understand what works, what doesn’t, and what courts actually respect.
Common Privacy Mistakes Investors Make
Filing LLCs in non-privacy states
Using personal home addresses
Mixing personal and property bank accounts
Self-filing structures without strategy
Forgetting insurance alignment
Who This Episode Is For
Rental property owners
Short-term rental operators
Real estate investors scaling portfolios
Anyone concerned about lawsuits or privacy
High-income professionals investing in real estate
Key Takeaway
Real estate anonymity is not about hiding — it is about structuring ownership wisely, legally, and professionally. When done correctly, you deter lawsuits, protect personal wealth, and operate confidently in a litigious world.
Or put simply:Suzie Slip and Fall can sue the property — but not your personal future.
Disclaimer: The information shared in this podcast is for general educational purposes only and does not constitute legal, tax, financial, or accounting advice. Nothing discussed should be interpreted as specific guidance for your personal situation. Laws and regulations change, and the applicability of the concepts discussed may vary based on your individual circumstances. Before making any decisions, you should consult with a qualified professional who can provide advice tailored to your needs.
If you require personalized assistance, you may contact me at TaxAndMoneyMastery@gmail.com
© 2026 All Rights Reserved.