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Yes, but I'm happy to discuss it again.
The USA hasn't even cut interest rates yet. So an interest rate cut cannot have any effect.
The tax-free amount will be charged in the new year, but a refund of the same amount from the previous year will be taken at the same time. Ideally, you even save on taxes 😅

It's good that you're putting the brakes on what you think is the right thing to do. But I still can't quite understand the reasoning 😅
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@DividendenWaschbaer If the tax-free allowance is used in year 1, then reclassified in year 2 and the tax-free allowance is used for the second time, you do not save anything 🕵️. The previous year has already been completed at this point. The allowance in the previous year was therefore given away in the amount of the payment
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@GoDividend However, you will receive a credit in year 2, which is sometimes even higher than what you have to pay in year 2.

For example: Assuming vici corrects on January 1 and you have an exemption order of €1000.
Then you receive a credit from the previous year and your FSA increases by amount X, let's say €1010. Then comes the new tax and you offset it, leaving you with (ideally) €1005.

What you lose in year 1, you get back for year 2. Sure, that's a bit silly because it's postponed. But ultimately it evens out. And since you're above the FSA anyway, it's not that relevant.
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@DividendenWaschbaer corrected something above->✅
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