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In this Ask Farnoosh episode, Farnoosh answers listener questions on the tax implications of receiving Bitcoin as a gift, including how cost basis and capital gains work when you sell, plus smart ways to negotiate benefits beyond salary at a small business, from retirement matches to bonuses and potential equity alternatives. She also offers guidance for PhDs entering a competitive job market, shares practical ways to invest in your health for long-term financial wellbeing, and explains when withdrawals from a whole life insurance policy may be taxable.