Does the Big Bill Mean Big Changes for Your Money?

The reconciliation bill now in the Senate includes three major parts:

✅ A permanent extension of the 2017 Tax Cuts and Jobs Act

✅ Temporary tax breaks for overtime, tips, and SALT deductions through 2028

✅ More funding for border security and defense

To offset the cost, the bill proposes cuts to Medicaid, nutrition assistance, student loans, and clean energy tax credits. It also raises the debt ceiling, adding urgency to its passage.

Economic Impact:

Despite its size, the bill is expected to boost growth only slightly—by 0.4% to 0.8% by 2034—while raising the deficit by $2.8–$3.4 trillion over 10 years (including interest).

Market Outlook:

📈 Equities: Near-term tax cuts may provide a boost to stocks.

📉 Bonds: Rising interest rates could lead to more bond market volatility. Shorter-term bonds may help reduce risk.

Bottom Line:

Though changes may still come, extended TCJA tax cuts are widely expected. The structure favors short-term stock market growth but could keep pressure on interest rates long-term.

📅 Want to know how this could affect your specific situation?

Schedule a call with us!

Schedule Your Call

~ Donna, Money Matters Wealth Solutions

PS: Curious how the tax and market changes could impact your investments or planning? Let’s talk it through — schedule your free call today.

—-------------------------------------------------------------------------------------------

Money Tip: Plan for Policy Shifts Before They Happen

Legislation like the Big Bill can bring changes to taxes, deductions, and the markets. Review your financial plan now—especially your tax strategy and asset allocation—to stay ahead of the curve. A proactive plan is more powerful (and less stressful) than a reactive one.

—-------------------------------------------------------------------------------------------

Blog Feature: How to Create a Financial Plan That Grows With You

Your financial needs and goals evolve over time—so your plan should too. Whether you're just starting your career, buying a home, or planning for retirement, a flexible strategy helps you stay on track. In this blog, we break down how to create a dynamic financial plan that adapts with your life and keeps your future on solid ground.

Read The Full Blog

—-------------------------------------------------------------------------------------------

Resources: Join the Retirement Workshop!

Retirement should be a time of freedom, joy, and peace of mind. But without a smart, tax-efficient plan in place, you could face unexpected tax bills that put a damper on your retirement dreams. Are you truly prepared?

This exclusive workshop will help you proactively reduce taxes in retirement by understanding and planning around tax-deferred accounts like 401(k)s and IRAs. You’ll learn how to maximize your savings, minimize your tax burden, and retire with confidence.

Here are the details:

📅 July 10, 2025

⏰ 5:30 PM - 6:30 PM CT

Reserve Your Spot

—-------------------------------------------------------------------------------------------

Join The EmpowerHer Savvy Retirement Group

Want to be the first to hear about Donna’s upcoming workshops, fresh content, and valuable resources? Join her Facebook group—a supportive community where you’ll get insider updates and helpful tools to support your journey.

Join The Facebook Group!

—-------------------------------------------------------------------------------------------

Work With Us

At Money Matters Wealth, we're dedicated to helping you achieve your dreams and manage your financial future. Our comprehensive services include:

• Financial Planning: Turn your goals into reality with personalized strategies.
• Investment Solutions: Make your money work for you with expert advice.
• Protection Planning: Ensure you're covered when life happens.
• Estate Planning: Secure your legacy with tailored legal advice.

Ready to take control of your financial future? Schedule a call today!

Schedule Your Call Now!

—-------------------------------------------------------------------------------------------

Disclosures:

This content was generated with AI assistance. While we strive for accuracy, AI may not capture all current laws and market conditions. This information is for informational purposes only and should not be considered personalized financial advice. Always consult a licensed financial advisor for decisions tailored to your unique situation and goals. AI is used to enhance insights, not replace professional guidance.

Money Matters Wealth Solutions is a dba of The Wealth Boutique, a registered investment advisor with the Securities and Exchange Commission. The Wealth Boutique and each of the DBAs are not under common ownership but owned and operated separately. All financial planning and advisory services are provided by The Wealth Boutique. All investments involve risk and unless otherwise stated, are not guaranteed. Be sure to consult with a tax professional before implementing any investment strategy.| Full Disclosure | CRS

Estate Planning Services are offered by Estate Gurus, an unaffiliated third party. The Wealth Boutique may engage third-party service providers to assist with the tax and estate planning portion of the services provided to clients. In addition, The Wealth Boutique may use third-party software to analyze a client’s information to help with the provision of estate planning services. Women's Wealth Boutique is not a law firm, nor are any employees acting in the capacity of an attorney or providing legal advice as Women’s Wealth Boutique is not a law firm and therefore not permitted to practice law. Fees for third-party estate planning services are in addition to the financial planning fees charged by The Wealth Boutique and are collected directly by that third party based on the client’s direct relationship with the third-party estate planning vendor.

Donna Cates is a licensed insurance agent. From time to time, she will offer clients advice or products from those activities. Clients should be aware that these services pay a commission and involve a conflict of interest, as commissionable products can conflict with the fiduciary duties of a registered investment adviser. This conflict of interest is addressed by supervision of insurance recommendations and by not recommending insurance products unless there is a documented insurance need. These products are separate from the investment advisory services provided by The Women’s Wealth Advisor, DBA Money Matters Wealth Solutions