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The Deduction Dilemma: Standard vs. Itemized


Episode 1284


In this episode, we decode the two primary methods for reducing your taxable income under U.S. tax law: the standard deduction and itemized deductions. We explain how the standard deduction works as a fixed dollar amount based on your filing status—rising to $15,750 for single filers in the 2025 tax year—and discuss the additional amounts available for taxpayers who are over 65 or blind.

Alternatively, we explore the complexities of itemizing, which allows you to deduct specific eligible expenses such as mortgage interest, charitable contributions, and medical costs that exceed 7.5% of your adjusted gross income. We also cover critical limitations, including the $10,000 cap on state and local taxes and the suspension of miscellaneous itemized deductions through 2025. Tune in to learn how to determine which method results in the lower tax bill for your specific financial situation.


Published on 1 day, 9 hours ago






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