MARK KOHLERMain Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, LLC · Owner at Main Street Professionals, LLC

Is Your Tax Bracket Worth a New Truck? 🚛

13 May 2026 · 1 min

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Two advisors debate whether a client should buy a truck before year-end for a tax write-off. The real question: what's the client's marginal tax bracket? A 37% bracket makes the deduction worth thousands. A 20% bracket makes it barely worth considering. The math, not the desire, should drive the decision.

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The guy is dying to go buy a truck before year end, and his number one argument is tax write-off. And his wife is like, you do not need a new freaking truck. And I'm like, and you're supposed to adjudicate this. You got to pick a side.
This is not going anywhere good. I'm like, who's paying my bill? Who's really my client here? Is this a year where you're in a 37% bracket or that that write-off is more valuable? Which drives down the cost of the car economically. Yes. Or maybe you're just in a lower year. Maybe you're, maybe you're just in a 20% bracket and the value of that deduction isn't as high. So when you're in that high years where you're hitting the maximum rate, I can see actual being actually more important where you might want to chase that to grab, grab that deduction to help minimize that tax burden.