You’ve been giving—whether it’s to your church, a youth program, or a mutual aid fund—but for years the tax code gave you nothing back unless you itemized. That changes now. With the One Big Beautiful Bill Act, individuals can now deduct up to $1,000—and couples up to $2,000—without itemizing. In this blog, Stoy Hall breaks down exactly how to make your generosity count on your tax return and how to keep more money in community hands.

The One Big Beautiful Bill Act just ballooned the national debt by over $3 trillion—and while the headlines call it “stimulus,” the aftershock will land squarely on working-class families. From rising interest rates to future cuts in public services, the squeeze is coming. In this blog, Stoy Hall breaks down what this means for your money, your goals, and how to start protecting yourself before it hits your bottom line.

If you’re grinding with your car—driving rideshare, delivering packages, or running a mobile business—the tax code finally has a break for you. Under the One Big Beautiful Bill Act, you can now deduct up to $10,000 in auto loan interest, but only if your vehicle was built in the U.S. In this post, Stoy Hall breaks down who qualifies, how to structure it right, and why this deduction could be a game-changer for working-class entrepreneurs.

The One Big Beautiful Bill Act expanded tax relief—but only for some. Millions of immigrant taxpayers, including legal residents and mixed-status families, are being denied critical credits like the Child Tax Credit and EITC, despite paying into the system. In this blog, Stoy Hall breaks down who’s being excluded, why it matters, and what immigrant families can do to protect their income, claim their worth, and keep building anyway.

The One Big Beautiful Bill Act quietly handed seniors a serious tax break—an extra $6,000 standard deduction for anyone 65 and older. For retirees, part-time earners, and legacy business owners, this isn’t just policy—it’s real money that can stretch retirement income and ease financial strain. In this post, Stoy Hall breaks down who qualifies, how to use it right, and why it matters for our elders and the families they continue to support.

The IRS just got more power—and it’s coming for the folks who can least afford to get it wrong. From SSN verification rules to increased audits on EITC and Child Tax Credit filers, the One Big Beautiful Bill Act is making tax season riskier for service workers, gig earners, and undocumented families. In this post, Stoy Hall breaks down what’s changing, who’s being targeted, and what steps you need to take now to stay ready, not reactive.

The One Big Beautiful Bill Act just delivered a rare win for service workers—if you know how to claim it. With up to $25K in tip income and $12.5K in overtime now deductible, bartenders, baristas, delivery drivers, and frontline staff finally have a real shot at reducing their tax bill. But here’s the catch: if it’s not tracked, it doesn’t count. In this post, we’ll break down how to make sure your hustle gets recognized—and rewarded—by the system.

The One Big Beautiful Bill Act just rolled back some of the most powerful clean energy and EV incentives that were fueling growth in Black and Brown communities. From solar credits to EV rebates, these cuts hit more than just the environment—they hit entrepreneurs, job seekers, and opportunity zones already on the rise. In this post, we unpack what’s gone, who gets hurt, and what steps you can take to stay in the game.

Most small business owners are missing out on one of the biggest legal tax breaks in the game—the 23% Pass-Through Deduction. Whether you're cutting hair, coaching clients, or creating content, this deduction could save you thousands. In this post, Stoy Hall breaks down who qualifies, how to set up your business to get it, and why this is a non-negotiable move for anyone trying to build wealth from the ground up.

The One Big Beautiful Bill Act just shook the foundation of two of the most essential support systems in America—Medicaid and SNAP. These aren’t luxuries. They’re lifelines. And now, millions risk losing access due to stricter work requirements and capped funding. In this post, we’ll break down what’s changing, who’s being targeted, and how families can prepare, protect themselves, and respond with strategy—not panic.

Congress just passed one of the most sweeping tax bills in recent history—the One Big Beautiful Bill Act. Behind the name is a complex set of changes that benefit some while deeply impacting others. If you’re a small business owner, service worker, immigrant family, or anyone trying to build wealth from the ground up, this legislation could shape your financial future. In this post, Stoy Hall breaks down who wins, who loses, and why understanding this bill isn’t optional—it’s essential.

Financial Independence Day isn’t just about fireworks and freedom for a nation—it’s about your freedom. In this no-fluff guide, we break down bold, practical steps to eliminate debt, invest wisely, and create passive income streams that put you in control of your time, your money, and your future. Whether you're just getting started or ready to accelerate, this is your call to take back financial power—starting today.

Summer side hustles might bring in extra cash—but they can also bring tax headaches if you’re not careful. Whether you’re renting out your property for Airbnb, freelancing in your spare time, or selling handmade goods at farmers markets, the IRS is watching. This blog breaks down the real tax implications of your summer income streams, gives you step-by-step actions to stay compliant, and shows you how to keep more of what you earn without getting blindsided next tax season.

Why does your spending go wild when the sun comes out? It’s not just about vacations or BBQs—it’s about how summer messes with your money psychology. From dopamine-driven decisions to guilt-fueled “yes” moments with the kids, summer triggers a perfect storm of financial behavior patterns. In this blog, we break down the science behind your seasonal overspending and give you bold, no-fluff steps to outsmart it—without sacrificing fun. If your wallet’s been sweating as much as you are, it’s time to take control.

Back-to-school season isn’t just about fresh notebooks and new sneakers—it’s a financial stress test for families if you’re not prepared. From tuition to tech, this guide breaks down how to budget smart, spend with purpose, and avoid back-to-school debt traps. Real numbers, real strategies, and zero fluff. Let’s get your education budget under control before it controls you.

Juneteenth isn’t just about barbecue and celebration—it’s a reminder of the freedom we were delayed and the wealth we’re still owed. In this blog, I’m breaking down the real financial challenges Black and Brown communities continue to face, and giving you five no-fluff steps to start building true economic freedom. From killing the flex culture to protecting your assets with estate planning, this is the blueprint for reclaiming what systemic inequality tried to steal. Let’s turn this holiday into action.

Think your kid is too young to learn about money? Think again. By age 7, most kids have already formed the financial habits they’ll carry for life. This blog breaks down how to use summer—yes, summer—to teach your child how to budget, earn, and save using real-life activities, apps, and even their own savings account. It’s not just playtime—it’s preparation for lifelong confidence.

Summer is the perfect time to tackle home improvement projects—but if you’re not budgeting smart or financing right, that dream patio or kitchen upgrade can quickly become a financial headache. In this blog, we break down how to plan your renovations, choose the right funding options, and make strategic upgrades that actually boost your home’s value. Before you pick up a hammer, let’s make sure your money’s working just as hard as you are.

We’re halfway through the year—and if you haven’t looked at your finances since January, it’s time for a serious check-in. This mid-year financial review isn’t just about budgets and portfolios—it’s about making sure your money is aligned with your life. Inside this blog, you’ll find a no-BS checklist to audit your goals, debt, savings, business income, and more. Don’t wait until December to realize you’ve been off track. Let’s get you back in control, now.

Vacations shouldn’t leave you broke or battling credit card debt. In this bold and practical guide, we break down how to travel the world without trashing your financial goals. From setting a real travel budget to leveraging rewards and exploring debt-free destination hacks, this blog is your roadmap to becoming a conscious explorer—without compromising your wealth journey.