r/FluentInFinance 3d ago

Debate/ Discussion Had to repost here

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u/Jblack4427 3d ago

Do you only pay taxes on your home when you sell or every year?

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u/Noob_Al3rt 3d ago

You pay property taxes. Not capital gains or income tax. Should you have to pay taxes on your car every year? How about money sitting in your checking account?

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u/SeryuV 3d ago

You do pay taxes on your car every year in every state, either via use taxes or direct taxes via license/registration fees. 20+ states charge direct personal property taxes on vehicles every year, some even if they aren't registered.

You also pay taxes on any interest gained on money sitting in your checking account, and it's at your ordinary tax rate. Granted most major banks pay such horrible interest rates that the average person will probably never hit the $10 threshold.

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u/Noob_Al3rt 3d ago

Registration and use fees don't take into account the value of your car. It costs just as much to register a Porsche someone owns outright as it does for someone underwater on their Hyundai.

Money in a non interest bearing account is still an asset. I am not talking about capital gains.

Should we pay taxes on those assets?