If you live in New Jersey, the tax code is quietly working against you.

Seven expensive mistakes high earners and retirees make — and the 2026 rules that decide who pays and who keeps it.

• Property taxes are the highest in the country — and the SALT rules just changed
• The retirement-income exclusion is a cliff, not a slope
• Your Social Security can quietly become taxable
• The "exit tax" is a myth — but it still costs people sleep
• No estate tax — but an inheritance tax that blindsides families
• Life insurance can sidestep the inheritance tax
• The federal exemption is huge right now — which is itself a deadline

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