Grandma tells Trump the Big Beautiful Bill protected $11,000 from the taxman – How you can pay less in taxes, too.

Data from the Internal Revenue Service shows that as of April 3, the agency had processed 99 million tax returns, with an average refund of $3,462 — about 11.1% higher than a year earlier (4).

While the new deductions can ease the tax burden for wage and salary earners, wealthy households typically don’t rely on policy changes alone to lower their tax bills.

For decades, high-net-worth individuals have used proven strategies — and specific types of assets — to legally slash what they owe to the IRS. According to a report from ProPublica, some billionaires in the U.S. paid little or no income tax relative to the vast fortunes they’ve amassed (5).

That’s largely because billionaires build their wealth through assets — not wages. As the value of these assets rises, their net worth grows, but the U.S. tax system isn’t designed to fully capture those gains. Capital gains are typically taxed at lower rates than regular income, and taxes aren’t owed until the assets are sold.

In fact, as NYU Stern professor Scott Galloway once put it, if you’re trying to build wealth, you have “an obligation to pay as little tax as possible.”

One asset class America’s wealthy have relied on for decades is real estate — in part because of the generous tax treatment it receives.

When you earn rental income from an investment property, you can claim deductions for a wide range of expenses, such as mortgage interest, property taxes, insurance and ongoing maintenance and repairs.

Real estate investors also benefit from depreciation — a tax deduction that recognizes the gradual wear and tear of a property over time. Investors can also use tools like refinancing and 1031 exchanges to keep their capital compounding instead of cashing out.

Today, you don’t need to be a millionaire — or even to buy a single property outright — to invest in real estate. Platforms like mogul offer an easier way to get exposure to this income-generating asset class.

Mogul is a real estate investment platform offering fractional ownership in blue-chip rental properties, which gives investors monthly rental income, real-time appreciation and tax benefits — without the need for a hefty down payment or 3 A.M. tenant calls.

Founded by former Goldman Sachs real estate investors, the team hand-picks the top 1% of single-family rental homes nationwide for you. In other words, you gain access to institutional-quality offerings for a fraction of the usual cost.

Each property undergoes a rigorous vetting process, requiring a minimum 12% return even in downside scenarios. Across the board, the platform features an average annual IRR of 18.8%. Offerings often sell out in under three hours, with investments typically ranging between $15,000 and $40,000 per property.

You can sign up for an account and then browse available properties here.

Another option is Lightstone DIRECT, which offers accredited investors access to institutional-quality multifamily and industrial real estate — with a minimum investment of $100,000.

Founded in 1986 by David Lichtenstein, Lightstone Group is one of the largest privately held real estate investment firms in the U.S., with more than $12 billion in assets under management.

Over nearly four decades, their team has delivered strong, risk-adjusted performance across multiple market cycles — including a 27.6% historical net IRR and a 2.54x historical net equity multiple on realized investments since 2004.

With Lightstone DIRECT, you gain access to the same multifamily and industrial deals Lightstone pursues with its own capital.

Here’s the kicker: Lightstone invests at least 20% of its own capital in every deal — roughly four times the industry average. With skin in the game, the firm ensures its interests are directly aligned with those of its investors.

Read More: Robert Kiyosaki warned of a ‘Greater Depression’ — with millions of Americans going poor. Was he right?

The wealthy don’t just focus on what they invest in — they also pay close attention to where those investments sit. Using tax-advantaged retirement accounts can be a powerful way to keep more capital compounding over time.

For instance, traditional IRAs and Roth IRAs allow investments to grow either tax-deferred or tax-free, depending on the account type.

While many retirement accounts primarily hold stocks and mutual funds, some investors choose to diversify further. Ray Dalio, founder of the world’s largest hedge fund, Bridgewater Associates, has repeatedly warned that many portfolios lack one key safe-haven asset: gold.

“People don’t have, typically, an adequate amount of gold in their portfolio,” he told CNBC last year. “When bad times come, gold is a very effective diversifier.”

Long seen as the ultimate safe haven, gold isn’t tied to any single country, currency or economy. It can’t be created at will by central banks like fiat money, and in times of economic turmoil, market turbulence or geopolitical uncertainty, history has shown that investors tend to pile in — driving up its value.

Despite a recent pullback, gold prices have surged by more than 40% over the last 12 months.

One way to invest in gold that also provides significant tax advantages is to open a gold IRA with the help of Priority Gold.

Gold IRAs allow investors to hold physical gold or gold-related assets within a retirement account, thereby combining the tax advantages of an IRA with the protective benefits of investing in gold, making it an option for those looking to help shield their retirement funds against economic uncertainties.

When you make a qualifying purchase with Priority Gold, you can receive up to $10,000 in precious metals for free.

At the end of the day, everyone’s financial situation is different — from income levels and investment goals to debt obligations and risk tolerance — which means the best move for someone else might not be the best move for you.

If you’re unsure where to start, it might be the right time to get in touch with a financial advisor through Advisor.com.

Advisor.com is an online platform that matches you with vetted financial advisors suited to your unique needs. They can help tailor a strategy to your particular financial situation, whether you’re looking to protect your wealth, reduce your tax burden or plan for long-term financial security.

Once you’re matched with an advisor, you can book a free consultation with no obligation to hire.

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YouTube (1); DoorDash (2); The White House (3); Internal Revenue Service (4); ProPublica (5)

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.