Each year there's typically an open enrollment for many benefit programs from your employer. Here are some tips to consider.

Business owners love two things: making money and not giving more to the IRS than necessary. A properly structured “working vacation” can help with both.If you plan it correctly, a personal trip that includes real business activity can qualify as business travel. That means a significant portion of the cost can become tax-deductible under current 2026 rules.When those expenses are deductible, the tax savings work like a built-in travel discount. Depending on your tax bracket, that discount can easily feel like 30–60 percent of the bill.And no, the tax code doesn’t require you to suffer in a budget motel. If the trip qualifies as business travel, the IRS doesn’t care whether you stayed modestly or went high-end. The following can potentially be deductible business travel expenses:

For years you have put away money from your pay into your employer-provided 401(k) retirement savings account. Your employer may have even matched 50% of your contributions or contributed 3% of your pay to the account as part of a safe harbor program. Now you want to take some of this money out in the form of a loan to help pay your bills or to buy a car. Before you take action, here are some things to consider.