⚡ LIGHTNING ROUND

⏱️ $25K Overtime Untaxed:

2025–2027 only. That’s a $6K raise without changing jobs.

👶 Child Credit Boost:

$2,200 per kid, still available up to $400K joint income.

🏡 SALT Cap Raised:

Deduct up to $40K in high-tax states through 2029. Worth $4,800 a year if you use it.

📈 Trump Accounts:

$8,500/year per newborn (2025–2028). Grows into $250K by age 40.

👴 Senior Deduction Bonus:

Extra $6K per spouse from 2025–2028. Prime time for Roth conversions.

WEEKLY WISDOM

FINANCIAL PLANNING HACKS

Trump’s new Big Beautiful Bill just turned $25,000 of overtime pay into tax-free income.

That’s not a headline. That’s the law.

And it’s only one of five provisions that could shift $25K–$50K back into your pocket.

But here’s the catch: the window is short.

Most of these breaks expire in just three years.

Most taxpayers won’t notice. They’ll keep donating money to the IRS out of habit.

But the pros won’t. And now, neither will you.

Let us show you the plays

1. Overtime Pay Untaxed (Up to $25,000 Joint)

A Raleigh household working hospital shifts and IT projects keeps the entire $25,000.

At the 24% bracket, that’s a $6,000 raise without a promotion.

🦊 The Play: Restructure contracts. Push income into OT buckets. Same work, more money kept.

2. Child Tax Credit Raised to $2,200

Parents can now claim $2,200 for each child. That’s real money back in your pocket.

But the window isn’t wide open forever. Once your income crosses about $200,000 on a single return, or $400,000 for joint filers, the credit starts to fade away.

Think about it: a family in Atlanta with three kids could lock in $6,600 every single year.

That’s a semester of college tuition, or next summer’s family trip fully paid.

Miss it, and the money’s gone.

🦊 The Play: Keep gross income under $400K. Shift bonuses or defer stock sales.

3. SALT Cap Raised to $40K (2025–2029)

For high-tax states like CA, NY, NJ, or CT, that’s real money.

A New Jersey couple makes $250K, pays $30K in state + property taxes.

That’s all deductible, instead of the previous $10K.

Most taxpayers in New Jersey will leave $20K on the table. Wealthy families won’t. Neither should you.

🦊 The Play: Prepay property taxes. Bunch state payments into capped years. Max the $40K window.

4. Trump Accounts for Newborns (2025–2028)

Washington just handed newborns a quarter-million-dollar head start.

Here’s how it works.

The government kicks in $1,000 at birth. Parents can add up to $5,000 a year. Employers can chip in another $2,500.

That’s $8,500 a year, growing tax-deferred.

Run the numbers: if an Austin couple maxed it out, that account grows to about $250K by age 40 (at 7% growth).

Most parents will never use it. Shrewd ones will.

🦊 The Play: Treat it like a stealth Roth/529. Max it. Push employer to match.

5. Seniors Get $6,000 Deduction Bonus (2025–2028)

If you’re 65 or older, the standard deduction jumps by $6,000.

For married couples, that’s $12,000.

A retired couple in Denver can shield an extra $12K of income every year from 2025 through 2028.

🦊 The Play: Use this four-year window for Roth conversions. Move funds out of tax-deferred accounts while the deduction covers you.

Bottom Line

Trump’s bill isn’t political noise. It’s a set of plays.

Most will miss them.

You won’t.

Because shrewd investors don’t wait for accountants to hand them scraps.

They see the structure. They run the plays.

That’s how you outfox Wall Street. And the IRS.

But remember, these aren’t forever.

Most of the best provisions vanish after just three years.

Every year you wait is another year you donate money you didn’t have to.

So don’t just read the plays. Run them before the window slams shut.

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The content provided in this newsletter is for informational purposes only and should not be considered as specific advice for any specific individual. The information is prepared by knowledgeable individuals and is not written by certified tax professionals or investment advisors. For personalized advice tailored to your unique financial situation, consult with a qualified tax professional, financial advisor, or attorney.