Tax & Retirement Planning Writer
Certified Public Accountant (CPA)
David Nakamura is a CPA who got his start preparing returns at H&R Block, where he sat with thousands of taxpayers during the crunch of filing season. Ten years of tax education later, he is convinced that most people overpay not because they cheat themselves on purpose, but because the rules are written to be confusing.
He has a knack for making taxes feel less like a threat and more like a solvable puzzle. David's favorite moments are when a reader writes in to say they finally understood why a Roth contribution made sense for them, or that they claimed a credit they had skipped for years out of fear of getting it wrong.
At FundingPoint, David covers tax brackets, deductions, and the retirement accounts where tax planning quietly does its heavy lifting. He frames everything as education rather than advice, and he is the first to tell you when a question is complex enough that you should bring in a professional of your own.
Most people misunderstand how tax brackets work. This guide explains marginal rates, effective tax rates, and why earning more never costs you money.
A practical guide to reviewing your bank and credit card statements each month. What to look for, common errors that cost you money, and how to dispute charges.
Your DTI ratio determines whether you get approved for a mortgage, auto loan, or credit card. How to calculate it, what lenders want to see, and how to improve yours.
Cutting through the noise on student loan forgiveness. Which programs are real, who qualifies, and the exact steps to apply.
Does debt pass to your family? Which debts die with you and which ones your estate or spouse may still owe. A clear, non-scary guide.
The average household earns $300-600/year in credit card rewards. Here is how to strategically earn more without spending more.
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