大而美法案对你的影响 Big Beautiful’ Bill and You

[mitcal]

1, ‘SALT’ deduction
Starting in 2025 the cap to $40,000. It also begins to phaseout at $500,000.

2, Child tax credit
Starting in 2025 credit to $2,200.

3, Senior ‘bonus’ deduction
Americans ages 65 and over deduction to $6,000 per qualifying individual.
Individuals with up to $75,000 in modified adjusted gross income, and $150,000 married and filing jointly.

4, Medicaid funding cuts
Require beneficiaries ages 19 to 64 to work at least 80 hours per month.

5, Reduced food stamp benefits
Expand existing work requirements to include adults ages 55 to 64 and parents with children 14 and over.
Based on current rules, most individuals cannot receive benefits for more than three months out of every three years unless they work at least 20 hours per week or qualify for an exemption.
...........
New ‘Trump accounts’ for child savings
Lower student loan limits, fewer benefits
Car loan interest deduction
Tax break on tip income
Overtime pay deduction
EV, clean energy tax credits
Section 199A pass-through business deduction

[wh]

1, ‘SALT’ deduction
Starting in 2025 the cap to $40,000. It also begins to phaseout at $500,000.

2, Child tax credit
Starting in 2025 credit to $2,200.

3, Senior ‘bonus’ deduction
Americans ages 65 and over deduction to $6,000 per qualifying individual.
Individuals with up to $75,000 in modified adjusted gross income, and $150,000 married and filing jointly.

4, Medicaid funding cuts
Require beneficiaries ages 19 to 64 to work at least 80 hours per month.

5, Reduced food stamp benefits
Expand existing work requirements to include adults ages 55 to 64 and parents with children 14 and over.
Based on current rules, most individuals cannot receive benefits for more than three months out of every three years unless they work at least 20 hours per week or qualify for an exemption.
...........
New ‘Trump accounts’ for child savings
Lower student loan limits, fewer benefits
Car loan interest deduction
Tax break on tip income
Overtime pay deduction
EV, clean energy tax credits
Section 199A pass-through business deduction

是不是感觉这些条款对中产还是有利的？
ev和clean energy还是有tax credits哦，和以前一样？

[mitcal]

是不是感觉这些条款对中产还是有利的？
ev和clean energy还是有tax credits哦，和以前一样？

It would end a $7,500 tax credit for households that buy or lease a new electric vehicle, and a $4,000 tax credit for buyers of used EVs. These tax credits would disappear after Sept. 30, 2025.
Additionally, it would scrap tax breaks for consumers who make their homes more energy-efficient, perhaps by installing rooftop solar, electric heat pumps, or efficient windows and doors. These credits would end after Dec. 31, 2025.

[wh]

It would end a $7,500 tax credit for households that buy or lease a new electric vehicle, and a $4,000 tax credit for buyers of used EVs. These tax credits would disappear after Sept. 30, 2025.
Additionally, it would scrap tax breaks for consumers who make their homes more energy-efficient, perhaps by installing rooftop solar, electric heat pumps, or efficient windows and doors. These credits would end after Dec. 31, 2025.

哦，那以后买电车、装太阳能什么的就一点补贴都没了？那现在赶紧动手的人会多吧。

[cng]

Under the bill, cash, money orders and cashier’s checks that are sent abroad, known as remittances, will be taxed at 1 percent starting in 2026. This applies to citizens too, but there are some exceptions on this tax, like if the money was funded by a U.S.-issued debit or credit card, or if it was withdrawn from a certain type of bank account.

[wh]

Under the bill, cash, money orders and cashier’s checks that are sent abroad, known as remittances, will be taxed at 1 percent starting in 2026. This applies to citizens too, but there are some exceptions on this tax, like if the money was funded by a U.S.-issued debit or credit card, or if it was withdrawn from a certain type of bank account.

往国内寄钱一般都用美国的银行卡吧？

[mitcal]

看看你的收入在哪个级别(%),可能省多少税。

＊收入排行榜最頂端1%(年收入91萬6900元以上)：平均省稅6萬4590元，約占收入2.4%

＊下一個4%(年收入36萬1400元至91萬6900元)：平均省稅1萬7790元，約占收入3.4%

＊再下一個15%(年收入15萬3600元至36萬1400元)：平均省稅5150元，約占收入2.3%

＊收入排行榜第四段的20%(年收入9萬2100元到15萬3600元)：平均省稅2340元，約占收入1.9%

＊收入排行榜中間20%(年收入5萬3300元到9萬2100元)：平均省稅1590元，約占收入2.2%

＊收入排行榜倒數20%(年收入2萬7000元至5萬3300元)：平均省稅710元，約占收入1.8%

＊收入排行榜最尾端20%(年收入2萬7000元以下)：平均省稅110元，約占收入0.7%