When your deductible costs sit right near the line, spreading them thin means you never clear the standard deduction. Bunching two years into one lets you itemize big, then take the standard deduction next year.
See how it works through one simple example.
Spread evenly across years, your deductible costs never quite clear the standard deduction.
So you cluster two years of deductible expenses, like giving and medical bills, into one year.
You itemize big that year, take the standard deduction the next, and come out thousands ahead.
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The honest version.
Flexible-timing items like charitable gifts and certain elective medical costs.
One big year clears the standard deduction so the deductions actually count.
You simply take the standard deduction that year.
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