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5 months ago

Should I itemize deductions or take the standard deduction?

My W-2 shows $18k in state and local taxes paid... but I also had $6k in mortgage interest and $4k in charitable donations. The standard deduction this year is $13k. Does it even matter if I itemize? My CPA says the math is simple, but I’m not convinced. Tax code feels like a recipe with missing ingredients—everyone claims they know how it works, but no one can agree on the final product. What’s your approach? Do you itemize because you think it’s better, or just because you’re supposed to??

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