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   Don’t Let This 'Tax Bomb' Ruin Your Retirement
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   Plus: Why leaders spot problems too late, traits of future millionaires, and how to get your business shows up in AI searches. ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏  ͏ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­ ­
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                  <p style="font-weight: bold; font-size: 17px; margin-bottom: 6px; color: #111111;">
                   APRIL 4, 2026
                  </p>
                  <p style="font-weight: bold; font-size: 15px; margin-bottom: 10px; color: #0073e6;">
                   What's on deck today:
                  </p>
                  <ul style="margin-top: 0; margin-bottom: 0; padding-left: 22px; color: #333333;">
                   <li>
                    Why leaders often spot problems too late and how to fix it
                   </li>
                   <li>
                    Personality traits that signal a future self-made millionaire
                   </li>
                   <li>
                    Why more college students are switching majors
                   </li>
                   <li>
                    How to check if your business shows up in AI searches
                   </li>
                  </ul>
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                  <p style="font-weight: bold; font-size: 15px; margin-bottom: 10px; color: #0073e6;">
                   Market snapshot:
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                   <li>
                    S&amp;P 500
                    <span style="color: green;">
                     ▲ 0.09%
                    </span>
                   </li>
                   <li>
                    Dow Jones
                    <span style="color: red;">
                     ▼ 0.09%
                    </span>
                   </li>
                   <li>
                    NASDAQ
                    <span style="color: green;">
                     ▲ 0.21%
                    </span>
                   </li>
                  </ul>
                 </div>
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                      <a data-hs-link-id="0" data-hs-link-id-v2="YMYGclrl" rel="noopener" style="text-decoration:none; font-weight:bold; color:#000000" target="_blank">
                       Don’t Let This 'Tax Bomb' Ruin Your Retirement. Here's How to Stay Safe, According to a Former JPMorgan Executive
                      </a>
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                 </h2>
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                 <p style="line-height:150%">
                  If you’re like a lot of people navigating this tax season, you might have a simple strategy: Pay what you owe now and forget the rest — aka
                  <a data-hs-link-id="0" data-hs-link-id-v2="VyWtGl8T" style="color:#2563eb" target="_blank">
                   defer taxes
                  </a>
                  wherever possible — until you hit retirement.
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  “Many people assume their taxes will go down [in retirement] because their income will go down,” Anne Lester, former head of retirement solutions for JPMorgan Asset Management, tells
                  <em>
                   Entrepreneur
                  </em>
                  .
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  Unfortunately, exiting the workforce doesn’t always mean lower taxes. Instead, many retirees have to contend with a “
                  <a data-hs-link-id="0" data-hs-link-id-v2="X7bbVvw5" style="color:#2563eb" target="_blank">
                   retirement tax bomb
                  </a>
                  ,” or the often unexpected tax burden that comes with hefty savings in popular retirement accounts like 401(k)s and IRAs.
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <h2 style="margin:0; line-height:150%; font-size:15px">
                  Minimum distribution requirements and higher tax brackets
                 </h2>
                 <p style="line-height:150%">
                  When people reach the age of taking minimum required distributions from retirement savings accounts (typically at 73 years old), they actually could move into a higher tax bracket than expected. What’s more, entering a higher tax bracket can also increase
                  <a data-hs-link-id="0" data-hs-link-id-v2="EbDeNNCo" style="color:#2563eb" target="_blank">
                   social security taxes and Medicare surcharges
                  </a>
                  .
                 </p>
                 <p style="line-height:150%">
                 </p>
                 <p style="line-height:150%">
                  “What looks good on paper, which is to maximize all your tax-advantaged growth, may not make sense if it’s going to bump you into a higher tax bracket, so you might want to consider drawing some money out of that IRA or 401(k) plan systematically beforehand,” Lester says.
                 </p>
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                 <p style="line-height:175%">
                  <span style="font-weight: bold;">
                   Close to half of college students are thinking about changing majors due to AI
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                  — and one in six students has already gone ahead and made the switch.
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                 <p style="line-height:175%">
                 </p>
                 <p style="line-height:175%">
                  <a data-hs-link-id="0" data-hs-link-id-v2="Ym/4ZC+h" rel="noopener" style="color:#2563eb" target="_blank">
                   A new survey
                  </a>
                  from Gallup and the Lumina Foundation of 3,800 college students found that about 16% of students indicated that they had changed their major because they think AI is reducing the number of entry-level jobs on the market. Nearly half of college students, roughly 42%, have thought deeply about changing their major for the same reason.
                 </p>
                 <p style="line-height:175%">
                 </p>
                 <p style="line-height:175%">
                  “This is one of the clearest signals we’ve seen that students are rethinking what their futures are in response to AI,” Dr. Courtney Brown, vice president of impact and planning at Lumina Foundation, told
                  <a data-hs-link-id="0" data-hs-link-id-v2="dIvKrt0U" rel="noopener" style="color:#2563eb" target="_blank">
                   Business Insider.
                  </a>
                 </p>
                 <p style="line-height:175%">
                 </p>
                 <p style="line-height:175%">
                  Among the 16% of students who switched majors, most moved into the social sciences (26%), followed by business (17%) and tech (13%), per the survey.
                 </p>
                 <p style="line-height:175%">
                  “Students are moving in both directions when it comes to tech fields,” Brown said. “Some are switching into tech because they see opportunity in AI, while others are moving away because they’re worried about disruption.”
                 </p>
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                      Read the full story →
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                    Elon Musk is About to Be a Very Busy Boy! →
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                    Why More Than 1 Million Americans Are Starting Small Businesses →
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                        <span style="font-weight: bold;">
                         Check how your business shows up in AI searches.
                        </span>
                        If you want to know how you’re showing up, just ask. Open ChatGPT or Perplexity and type:
                       </p>
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                       <p style="line-height:175%; padding-left:40px">
                        “Who’s the best [service] provider in [your city]?” or
                        <br/>
                        “Which company helps with [pain point] for [industry]?”
                       </p>
                       <p style="line-height:175%; padding-left:40px">
                       </p>
                       <p style="line-height:175%">
                        See if you’re mentioned. If not, consider what’s missing. Is your “About page” too vague? Is your content actually helpful? Is your business clearly connected across platforms? That one missing link might be the reason AI isn’t recommending you.
                        <a data-hs-link-id="0" data-hs-link-id-v2="fO9cE/yC" rel="noopener" style="color:#2563eb" target="_blank">
                         Here's an article
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                        that explains how to fix this issue.
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                   FRANCHISE
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                   Have You Ever Considered That Franchising Might Be Right for You?
                  </h3>
                  <p style="font-size: 15px; color: #4a4a4a; margin: 0 0 16px 0; line-height: 1.6; font-family: Helvetica, Arial, sans-serif;">
                   Take our assessment to see which franchises might match your financial needs, interests and location.
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                    Learn more
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