Most tax savings aren’t exotic—they’re overlooked basics:

• Not maxing tax-advantaged accounts
  Small Business Retirement plans, HSAs, and IRAs reduce taxes immediately or later.
• Timing of taxable events
  Actions forgotten to be taken in the correct year can cost thousands.
• Forgetting charity
  Charitable contributions can be made to organizations throughout the year—but people lose track and do it all in December.
• Overpaying withholding
  Giving the IRS an interest-free loan instead of keeping cash working for you.

Most people don’t “lose” money to bad investments—they lose it to bad planning.