The TCJA Didn’t Sunset — Here’s What the One Big Beautiful Bill Act Actually Did to Your Taxes Everyone braced for a massive tax increase on January 1, 2026. Congress stepped in. Here is exactly what changed, what became permanent, what is still temporary — and the deadlines hitting right now in June 2026 that most people have no idea about. Quick Answer: The Tax Cuts and Jobs Act was scheduled to expire December 31, 2025. Congress prevented the sunset by passing the One Big Beautiful Bill Act (OBBBA) , signed July 4, 2025. Most TCJA individual provisions are now permanent . Your brackets, standard deduction, child tax credit, QBI deduction, and estate tax exemption are not reverting. The law also added new temporary deductions for tips, overtime, seniors, and auto loans — and removed the EV credit and most clean energy credits. The 2026 filing season is already reflecting these changes: average refunds are up 11.1% compared to last year. This p...

How to Invest Using Simple Moving Averages — And Which Chart to Actually Use You do not need 12 indicators or a 1-second candle chart. Two moving averages, a daily chart, and four clear rules are all it takes — plus the CPA take on why your Roth IRA is the perfect account to run this in. Quick Answer: Use the daily candle chart with a 50-day and 200-day simple moving average . Buy when the 50-day crosses above the 200-day (Golden Cross) and price pulls back to test the 50-day. Exit when price closes below the 200-day or the 50-day crosses back under. That is the entire system. The 1-second candle chart is for professional algorithmic traders — not for long-term investors building wealth. Which Candle Timeframe Should You Use? FIRST THINGS FIRST The most common mistake new chart readers make is picking the wrong timeframe. The rule is simple: your candle timeframe should match how long you plan to hold the trade. A 1-second candle shows you...

Why Every Middle-Class Family Should Consider a Revocable Living Trust — And How to Set One Up Most people think trusts are only for the wealthy. That is one of the most expensive misconceptions in personal finance. A revocable living trust is one of the most practical estate planning tools available to middle-class families — and setting one up does not always require a lawyer. This guide covers why you might need one, the honest upsides and downsides, a step-by-step setup process, and the most common mistakes people make that can render a trust useless. Quick Summary: A revocable living trust helps your family avoid probate, keeps your financial affairs private, and ensures your assets are distributed exactly the way you want — without court involvement. It is not just for millionaires. For middle-class families with a home, investment accounts, or minor children, it may be one of the most important documents you ever create. What Is a Revocable Living Trust? A revocab...