[{"_1":2,"_3":-5,"_4":-5},"loaderData",{"_5":6,"_7":8},"actionData","errors","root",{"_1817":1818,"_1819":60,"_1820":15,"_1821":15,"_1822":15,"_1823":15,"_1824":15,"_1825":15,"_1826":1827},"routes/s.$postId",{"_9":10,"_11":12,"_13":-7,"_14":15,"_16":15,"_17":18},"kind","post_with_profile","postWithProfile",{"_19":20,"_21":22},"referrer","preferIntrinsicAspectRatioForOgImage",false,"enforceRenderedOgImg","defaultOgDescription","ChatGPT helps you get answers, find inspiration, and be more productive.","post",{"_41":42,"_43":44,"_45":46,"_47":48,"_49":50,"_51":52,"_53":54,"_34":55,"_56":57,"_58":15},"profile",{"_23":24,"_25":24,"_26":27,"_28":-5,"_29":-5,"_30":31,"_32":15,"_33":-5,"_34":-5,"_35":-5,"_36":15,"_37":-5,"_38":-5,"_39":-5,"_40":15},"user_id","anonymous","username","profile_picture_url","https://cdn.openai.com/sora/images/profile_placeholder_v4.png","profile_picture_id","is_default_profile_picture","follower_count",0,"is_following","display_name","permalink","can_cameo","verified","character_count","owner_profile","social_context","follows_you","id","t_69fcf8a31c0c8191afc9655a392902d3","posted_at",1778186403.109734,"text","Tax and Loan Analysis","og_title","See what this chat’s about","og_description","Open this chat to take a look.","attachments",[66],"preview_image_url","https://ogimg.chatgpt.com/?postId=t_69fcf8a31c0c8191afc9655a392902d3","https://chatgpt.com/s/t_69fcf8a31c0c8191afc9655a392902d3","permissions",{"_59":60,"_61":15,"_62":15,"_63":60,"_64":65},"use_experimental_unfurl","can_read",true,"can_write","can_delete","can_remix","share_setting","public",{"_41":67,"_68":69,"_9":70,"_71":72,"_73":-5},"t_69fcf8a31c0c8191afc9655a392902d3-attachment-0","tags",[],"message_slice","messages",[74,75,76,77,78,79,80,81,82,83,84,85,86,87,88,89,90,91,92,93,94,95,96,97,98,99,100,101,102,103,104,105,106,107,108,109,110,111,112,113],"group_chat_id",{"_41":1806,"_115":1807,"_117":1781,"_119":-5,"_120":1808,"_122":123,"_124":15,"_125":126,"_127":1809,"_129":130,"_131":944},{"_41":1796,"_115":1797,"_117":1798,"_119":-5,"_120":1799,"_122":123,"_124":-5,"_125":126,"_127":1800,"_129":130,"_131":-5},{"_41":1773,"_115":1780,"_117":1781,"_119":-5,"_120":1782,"_122":123,"_124":15,"_125":126,"_127":1783,"_129":887,"_131":-5},{"_41":1660,"_115":1768,"_117":1769,"_119":-5,"_120":1770,"_122":123,"_124":-5,"_125":126,"_127":1771,"_129":130,"_131":-5},{"_41":1654,"_115":1655,"_117":1656,"_119":-5,"_120":1657,"_122":123,"_124":-5,"_125":126,"_127":1658,"_129":130,"_131":-5},{"_41":1625,"_115":1641,"_117":1642,"_119":-5,"_120":1643,"_122":123,"_124":15,"_125":126,"_127":1644,"_129":887,"_131":-5},{"_41":1619,"_115":1620,"_117":1621,"_119":-5,"_120":1622,"_122":123,"_124":-5,"_125":126,"_127":1623,"_129":130,"_131":-5},{"_41":1609,"_115":1610,"_117":1611,"_119":-5,"_120":1612,"_122":123,"_124":-5,"_125":126,"_127":1613,"_129":130,"_131":-5},{"_41":1586,"_115":1593,"_117":1594,"_119":-5,"_120":1595,"_122":123,"_124":15,"_125":126,"_127":1596,"_129":887,"_131":-5},{"_41":1580,"_115":1581,"_117":1582,"_119":-5,"_120":1583,"_122":123,"_124":-5,"_125":126,"_127":1584,"_129":130,"_131":-5},{"_41":1524,"_115":1525,"_117":1526,"_119":-5,"_120":1527,"_122":123,"_124":-5,"_125":126,"_127":1528,"_129":130,"_131":-5},{"_41":1514,"_115":1515,"_117":1516,"_119":-5,"_120":1517,"_122":123,"_124":-5,"_125":126,"_127":1518,"_129":130,"_131":-5},{"_41":1493,"_115":1499,"_117":1500,"_119":-5,"_120":1501,"_122":123,"_124":15,"_125":126,"_127":1502,"_129":887,"_131":-5},{"_41":1487,"_115":1488,"_117":1489,"_119":-5,"_120":1490,"_122":123,"_124":-5,"_125":126,"_127":1491,"_129":130,"_131":-5},{"_41":1427,"_115":1428,"_117":1429,"_119":-5,"_120":1430,"_122":123,"_124":-5,"_125":126,"_127":1431,"_129":130,"_131":-5},{"_41":1417,"_115":1418,"_117":1419,"_119":-5,"_120":1420,"_122":123,"_124":-5,"_125":126,"_127":1421,"_129":130,"_131":-5},{"_41":1396,"_115":1402,"_117":1403,"_119":-5,"_120":1404,"_122":123,"_124":15,"_125":126,"_127":1405,"_129":887,"_131":-5},{"_41":1305,"_115":1391,"_117":1392,"_119":-5,"_120":1393,"_122":123,"_124":-5,"_125":126,"_127":1394,"_129":130,"_131":-5},{"_41":1299,"_115":1300,"_117":1301,"_119":-5,"_120":1302,"_122":123,"_124":-5,"_125":126,"_127":1303,"_129":130,"_131":-5},{"_41":1289,"_115":1290,"_117":1291,"_119":-5,"_120":1292,"_122":123,"_124":-5,"_125":126,"_127":1293,"_129":130,"_131":-5},{"_41":1268,"_115":1274,"_117":1275,"_119":-5,"_120":1276,"_122":123,"_124":15,"_125":126,"_127":1277,"_129":887,"_131":-5},{"_41":1162,"_115":1263,"_117":1264,"_119":-5,"_120":1265,"_122":123,"_124":-5,"_125":126,"_127":1266,"_129":130,"_131":-5},{"_41":1156,"_115":1157,"_117":1158,"_119":-5,"_120":1159,"_122":123,"_124":-5,"_125":126,"_127":1160,"_129":130,"_131":-5},{"_41":1139,"_115":1147,"_117":1148,"_119":-5,"_120":1149,"_122":123,"_124":-5,"_125":126,"_127":1150,"_129":130,"_131":-5},{"_41":1126,"_115":1132,"_117":1133,"_119":-5,"_120":1134,"_122":123,"_124":15,"_125":126,"_127":1135,"_129":887,"_131":-5},{"_41":1120,"_115":1121,"_117":1122,"_119":-5,"_120":1123,"_122":123,"_124":-5,"_125":126,"_127":1124,"_129":130,"_131":-5},{"_41":1061,"_115":1062,"_117":1063,"_119":-5,"_120":1064,"_122":123,"_124":-5,"_125":126,"_127":1065,"_129":130,"_131":-5},{"_41":1046,"_115":1047,"_117":1048,"_119":-5,"_120":1049,"_122":123,"_124":15,"_125":126,"_127":1050,"_129":959,"_131":-5},{"_41":1031,"_115":1032,"_117":1033,"_119":-5,"_120":1034,"_122":123,"_124":15,"_125":126,"_127":1035,"_129":959,"_131":-5},{"_41":1016,"_115":1017,"_117":1018,"_119":-5,"_120":1019,"_122":123,"_124":15,"_125":126,"_127":1020,"_129":959,"_131":-5},{"_41":1001,"_115":1002,"_117":1003,"_119":-5,"_120":1004,"_122":123,"_124":15,"_125":126,"_127":1005,"_129":959,"_131":-5},{"_41":986,"_115":987,"_117":988,"_119":-5,"_120":989,"_122":123,"_124":15,"_125":126,"_127":990,"_129":959,"_131":-5},{"_41":971,"_115":972,"_117":973,"_119":-5,"_120":974,"_122":123,"_124":15,"_125":126,"_127":975,"_129":959,"_131":-5},{"_41":954,"_115":955,"_117":956,"_119":-5,"_120":957,"_122":123,"_124":15,"_125":126,"_127":958,"_129":959,"_131":-5},{"_41":940,"_115":941,"_117":904,"_119":-5,"_120":942,"_122":123,"_124":15,"_125":126,"_127":943,"_129":130,"_131":944},{"_41":930,"_115":931,"_117":932,"_119":-5,"_120":933,"_122":123,"_124":-5,"_125":126,"_127":934,"_129":130,"_131":-5},{"_41":896,"_115":903,"_117":904,"_119":-5,"_120":905,"_122":123,"_124":15,"_125":126,"_127":906,"_129":887,"_131":-5},{"_41":821,"_115":890,"_117":891,"_119":-5,"_120":892,"_122":123,"_124":-5,"_125":126,"_127":893,"_129":130,"_131":-5},{"_41":810,"_115":811,"_117":812,"_119":-5,"_120":813,"_122":123,"_124":-5,"_125":126,"_127":814,"_129":130,"_131":-5},{"_41":114,"_115":116,"_117":118,"_119":-5,"_120":121,"_122":123,"_124":60,"_125":126,"_127":128,"_129":130,"_131":132},"64621777-d218-4de7-925d-9072ea437a30","author",{"_804":805,"_806":-5,"_127":807},"create_time",1778186226.028874,"update_time","content",{"_800":45,"_801":802},"status","finished_successfully","end_turn","weight",1,"metadata",{"_133":134,"_135":60,"_136":137,"_138":139,"_140":141,"_142":143,"_144":145,"_146":147,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_158":60,"_159":160,"_161":162,"_163":60,"_164":165},"recipient","all","channel","final","finish_details",{"_213":796,"_797":798},"is_complete","content_references",[690,691,692,693,694,695],"safe_urls",[681,682,683,684,685,686,687,688,689],"search_result_groups",[166,167,168,169,170,171,172,173,174,175,176,177,178,179,180,181,182,183,184,185,186,187,188,189,190,191,192,193,194,195,196,197,198,199,200,201,202,203,204,205,206,207,208,209,210,211,212],"story_events",[],"citations",[],"resolved_model_slug","gpt-5-5-thinking","request_id","wfr_019e042661517790b6f470bc72040498","message_type","next","turn_exchange_id","10a8f11d-0314-4767-af10-8be79157e83d","model_slug","default_model_slug","thinking_effort","extended","can_save","parent_id","29977f78-779b-4a0d-aac1-b3fef9ed970e","async_source","saserver-southcentralus-prod.fck9d:conversation-turn-57727ef6-f386-4ffb-8073-9cf1d60c7073:US","is_temporal_turn","stream_topic_id","conversation-turn-10a8f11d-0314-4767-af10-8be79157e83d",{"_213":214,"_215":648,"_217":649},{"_213":214,"_215":627,"_217":628},{"_213":214,"_215":620,"_217":621},{"_213":214,"_215":608,"_217":609},{"_213":214,"_215":591,"_217":592},{"_213":214,"_215":584,"_217":585},{"_213":214,"_215":528,"_217":529},{"_213":214,"_215":521,"_217":522},{"_213":214,"_215":514,"_217":515},{"_213":214,"_215":506,"_217":507},{"_213":214,"_215":499,"_217":500},{"_213":214,"_215":492,"_217":493},{"_213":214,"_215":485,"_217":486},{"_213":214,"_215":478,"_217":479},{"_213":214,"_215":471,"_217":472},{"_213":214,"_215":464,"_217":465},{"_213":214,"_215":457,"_217":458},{"_213":214,"_215":450,"_217":451},{"_213":214,"_215":438,"_217":439},{"_213":214,"_215":431,"_217":432},{"_213":214,"_215":424,"_217":425},{"_213":214,"_215":417,"_217":418},{"_213":214,"_215":410,"_217":411},{"_213":214,"_215":403,"_217":404},{"_213":214,"_215":396,"_217":397},{"_213":214,"_215":389,"_217":390},{"_213":214,"_215":382,"_217":383},{"_213":214,"_215":375,"_217":376},{"_213":214,"_215":368,"_217":369},{"_213":214,"_215":361,"_217":362},{"_213":214,"_215":353,"_217":354},{"_213":214,"_215":346,"_217":347},{"_213":214,"_215":339,"_217":340},{"_213":214,"_215":332,"_217":333},{"_213":214,"_215":324,"_217":325},{"_213":214,"_215":316,"_217":317},{"_213":214,"_215":308,"_217":309},{"_213":214,"_215":300,"_217":301},{"_213":214,"_215":293,"_217":294},{"_213":214,"_215":284,"_217":285},{"_213":214,"_215":276,"_217":277},{"_213":214,"_215":268,"_217":269},{"_213":214,"_215":260,"_217":261},{"_213":214,"_215":252,"_217":253},{"_213":214,"_215":244,"_217":245},{"_213":214,"_215":236,"_217":237},{"_213":214,"_215":216,"_217":218},"type","search_result_group","domain","nasa.gov","entries",[219],{"_213":220,"_221":222,"_223":224,"_225":226,"_227":228,"_229":-5,"_230":216},"search_result","url","https://asd.gsfc.nasa.gov/Craig.Markwardt/doy2026.html?utm_source=chatgpt.com","title","2026 Day of Year Calendar","snippet","2026. JANUARY. Sun, Mon, Tue, Wed, Thu, Fri, Sat. 1 1, 2 2, 3 3. 4 4, 5 5, 6 6, 7 7, 8 8, 9 9, 10 10. 11 11, 12 12, 13 13, 14 14, 15 15, 16 16, 17Read more","ref_id",{"_231":31,"_232":233,"_234":235},"pub_date","attribution","turn_index","ref_type","search","ref_index",17,"time.com",[238],{"_213":220,"_221":239,"_223":240,"_225":241,"_227":242,"_229":-5,"_230":236},"https://time.com/collection/100-most-influential-people/2026/?utm_source=chatgpt.com","TIME100: The Most Influential People of 2026","From pioneers, leaders, and titans to artists, innovators, and icons, these are the most influential people of 2026.",{"_231":31,"_232":233,"_234":243},16,"nintendo.com",[246],{"_213":220,"_221":247,"_223":248,"_225":249,"_227":250,"_229":-5,"_230":244},"https://www.nintendo.com/us/nintendo-direct/5-6-2026/?srsltid=AfmBOorywBbSlkNWCQUPGbD0anTChuKqKAXlQ9BbfEC45ZhPael7fRo8&utm_source=chatgpt.com","Star Fox Direct 5.6.2026 - Nintendo Official Site","22 hours ago — Watch the Star Fox Direct! The presentation will be roughly 15 minutes.",{"_231":31,"_232":233,"_234":251},14,"principal.com",[254],{"_213":220,"_221":255,"_223":256,"_225":257,"_227":258,"_229":-5,"_230":252},"https://www.principal.com/individuals/learn/individual-tax-brackets-understand-what-you-pay?utm_source=chatgpt.com","2026 individual tax brackets, and tips for understanding ...","Nov 25, 2025 — 2026 standard deduction. Filing status, Deduction. Single and married filing separately, $16,100. Married filing jointly, $32,200. Head of ...Read more",{"_231":31,"_232":233,"_234":259},13,"albertmohler.com",[262],{"_213":220,"_221":263,"_223":264,"_225":265,"_227":266,"_229":-5,"_230":260},"https://albertmohler.com/2026/05/07/briefing-5-7-26/?utm_source=chatgpt.com","Thursday, May 7, 2026","7 hours ago — It's Thursday, May 7, 2026. I'm Albert Mohler, and this is The Briefing, a daily analysis of news and events from a Christian worldview.Read more",{"_231":31,"_232":233,"_234":267},12,"empower.com",[270],{"_213":220,"_221":271,"_223":272,"_225":273,"_227":274,"_229":-5,"_230":268},"https://www.empower.com/the-currency/money/income-tax-brackets?utm_source=chatgpt.com","2025 and 2026 tax brackets: New thresholds, same rates, ...","For those married and filing jointly, the standard deduction has been raised to $32,200, up $700 from the previous year. Head of household has been raised to ...Read more",{"_231":31,"_232":233,"_234":275},11,"copera.org",[278],{"_213":220,"_221":279,"_223":280,"_225":281,"_227":282,"_229":-5,"_230":276},"https://copera.org/pera-on-the-issues/irs-releases-2026-tax-brackets-contribution-limits-other-tax-updates?utm_source=chatgpt.com","IRS Releases 2026 Tax Brackets, Contribution Limits ...","Nov 20, 2025 — The standard deduction for 2026 will increase to $16,100 for single tax filers and $32,200 for married couples filing jointly. Taxpayers who are ...Read more",{"_231":31,"_232":233,"_234":283},10,"bartonassociates.com",[286],{"_213":220,"_221":287,"_223":288,"_225":289,"_227":290,"_229":-5,"_230":284},"https://www.bartonassociates.com/blog/dentist-jobs-in-2025-employment-outlook-and-locum-tenens-opportunities/?utm_source=chatgpt.com","Dentist Jobs in 2025: Employment Outlook and Locum ...","Dec 5, 2024 — Between 2023 and 2033, overall dentist employment is projected to grow by 5% according to the US Bureau of Labor Statistics (BLS).Read more",{"_231":291,"_232":233,"_234":292},7,9,"usbank.com",[295],{"_213":220,"_221":296,"_223":297,"_225":298,"_227":299,"_229":-5,"_230":293},"https://www.usbank.com/wealth-management/financial-perspectives/financial-planning/tax-brackets.html?utm_source=chatgpt.com","Tax laws 2026: Tax brackets and deductions","The standard deduction 2026 is $16,100 for single filers, $32,200 for married filing jointly and $24,150 for heads of household. This deduction represents the ...Read more",{"_231":31,"_232":233,"_234":292},"beckersdental.com",[302],{"_213":220,"_221":303,"_223":304,"_225":305,"_227":306,"_229":-5,"_230":300},"https://www.beckersdental.com/benchmarking/dentist-salary-in-2025-vs-2024-by-state/?utm_source=chatgpt.com","Dentist salary in 2025 vs. 2024, by state","Aug 18, 2025 — Dentist salary in 2025 vs. 2024, by state ; New York, $185,590, $158,130 ; North Carolina, $205,990, $204,980 ; North Dakota, $224,300, $182,840.Read more",{"_231":291,"_232":233,"_234":307},8,"resy.com",[310],{"_213":220,"_221":311,"_223":312,"_225":313,"_227":314,"_229":-5,"_230":308},"https://resy.com/cities/philadelphia-pa/venues/south-restaurant?utm_source=chatgpt.com","Book Your SOUTH Restaurant Reservation Now on Resy","SOUTH is Philadelphia's premier Southern restaurant and Jazz Club serving elevated Southern cuisine with live Jazz on the side.Read more",{"_231":315,"_232":233,"_234":307},5,"citizensbank.com",[318],{"_213":220,"_221":319,"_223":320,"_225":321,"_227":322,"_229":-5,"_230":316},"https://www.citizensbank.com/learning/obbba-tax-changes-for-families.aspx?utm_source=chatgpt.com","7 Ways the OBBBA Could Impact Your Family Finances","Starting in 2025, the child tax credit (CTC) increases from a max credit of $2,000 to $2,200 per qualifying child under age 17. ... 70412. 9-12 IRS, “One, Big, ...Read more",{"_231":323,"_232":233,"_234":307},4,"healthychildren.org",[326],{"_213":220,"_221":327,"_223":328,"_225":329,"_227":330,"_229":-5,"_230":324},"https://www.healthychildren.org/?utm_source=chatgpt.com","HealthyChildren.org - From the American Academy of Pediatrics","New to HealthyChildren? Register Now. Register now to recieve our monthly HealthyChildren e-newsletter and create your Family Health Center. Already Registered?Read more",{"_231":331,"_232":233,"_234":307},3,"hiresmiles.com",[334],{"_213":220,"_221":335,"_223":336,"_225":337,"_227":338,"_229":-5,"_230":332},"https://hiresmiles.com/average-general-dentist-salary-benefits-breakdown-by-state-usa/?utm_source=chatgpt.com","Average General Dentist Salary in the US 2025","Nov 7, 2025 — As of 2025, the annual salary of general dentists in the United States is typically between $179,000 to $196,000 annually. This converts to ...Read more",{"_231":291,"_232":233,"_234":291},"un.org",[341],{"_213":220,"_221":342,"_223":343,"_225":344,"_227":345,"_229":-5,"_230":339},"https://www.un.org/en/global-issues/children?utm_source=chatgpt.com","Children | United Nations","UNICEF is the lead agency for children in the UN system, working to save children's lives, defend their rights, and to help them fulfil their potential.Read more",{"_231":331,"_232":233,"_234":291},"weforum.org",[348],{"_213":220,"_221":349,"_223":350,"_225":351,"_227":352,"_229":-5,"_230":346},"https://www.weforum.org/publications/global-risks-report-2026/?utm_source=chatgpt.com","The Global Risks Report 2026","Jan 14, 2026 — The Global Risks Report 2026 analyses global risks through three timeframes to support decision-makers in balancing current crises and ...",{"_231":31,"_232":233,"_234":291},"whitecoatinvestor.com",[355],{"_213":220,"_221":356,"_223":357,"_225":358,"_227":359,"_229":-5,"_230":353},"https://www.whitecoatinvestor.com/dentist-salaries/?utm_source=chatgpt.com","Dentist Salaries in 2025: Comparing DSO vs. ...","Nov 7, 2025 — According to the latest data from the US Bureau of Labor Statistics, the median annual wage for dentists is around $179,210 as of May 2024.Read more",{"_231":291,"_232":233,"_234":360},6,"wiktionary.org",[363],{"_213":220,"_221":364,"_223":365,"_225":366,"_227":367,"_229":-5,"_230":361},"https://en.wiktionary.org/wiki/H?utm_source=chatgpt.com","H","Character variations H U+FF28, Ｈ FULLWIDTH LATIN CAPITAL LETTER H ← G [U+FF27] Halfwidth and Fullwidth Forms I → [U+FF29]Read more",{"_231":360,"_232":233,"_234":360},"imdb.com",[370],{"_213":220,"_221":371,"_223":372,"_225":373,"_227":374,"_229":-5,"_230":368},"https://www.imdb.com/title/tt5545936/?utm_source=chatgpt.com","South (2016)","A solitary man in his early twenties lives with his father in Galway. Father is an amateur musician and composes songs that he sings and plays on the guitar.Read more",{"_231":315,"_232":233,"_234":360},"jacksonhewitt.com",[377],{"_213":220,"_221":378,"_223":379,"_225":380,"_227":381,"_229":-5,"_230":375},"https://www.jacksonhewitt.com/tax-help/questions-and-answers/how-does-one-big-beautiful-bill-impact-child-tax-credit/?utm_source=chatgpt.com","How Does the One Big Beautiful Bill Act Impact the Child ...","Aug 7, 2025 — How does the One Big Beautiful Bill Act impact the Child Tax Credit?",{"_231":323,"_232":233,"_234":360},"cambridge.org",[384],{"_213":220,"_221":385,"_223":386,"_225":387,"_227":388,"_229":-5,"_230":382},"https://dictionary.cambridge.org/us/dictionary/english/child?utm_source=chatgpt.com","CHILD | definition in the Cambridge English Dictionary","a boy or girl from the time of birth until he or she is an adult, or a son or daughter of any age: an eight-year-old child.Read more",{"_231":331,"_232":233,"_234":360},"path32.com",[391],{"_213":220,"_221":392,"_223":393,"_225":394,"_227":395,"_229":-5,"_230":389},"https://www.path32.com/post/how-much-do-general-dentists-by-state?utm_source=chatgpt.com","General Dentist income","From the B.L.S. data, the mean income for General Dentists in 2024 was $196K. This number rose steadily since 2004 when the average income was $133K. This ...Read more",{"_231":291,"_232":233,"_234":315},"youtube.com",[398],{"_213":220,"_221":399,"_223":400,"_225":401,"_227":402,"_229":-5,"_230":396},"https://www.youtube.com/watch?v=R3Zf4XPhWUI&utm_source=chatgpt.com","English Spelling & Pronunciation: The Silent 'H'","There are lots of words in English that have the letter 'h' in them. But sometimes we ignore the 'h' and don't pronounce it. Why?",{"_231":360,"_232":233,"_234":315},"onpay.com",[405],{"_213":220,"_221":406,"_223":407,"_225":408,"_227":409,"_229":-5,"_230":403},"https://onpay.com/insights/child-tax-credit-changes-obbba/?utm_source=chatgpt.com","Child Tax Credit for Business Owners: OBBBA 2026 Guide","Jan 21, 2026 — The Child Tax Credit is now permanent at $2,200 per qualifying child under age 17, with inflation indexing starting in 2026 · Up to $1,700 of the ...Read more",{"_231":323,"_232":233,"_234":315},"cdc.gov",[412],{"_213":220,"_221":413,"_223":414,"_225":415,"_227":416,"_229":-5,"_230":410},"https://www.cdc.gov/child-development/index.html?utm_source=chatgpt.com","Child Development","Early childhood is critical to health and development. Families, health professionals, educators, and others can help children reach their full potential. View ...Read more",{"_231":331,"_232":233,"_234":315},"timeanddate.com",[419],{"_213":220,"_221":420,"_223":421,"_225":422,"_227":423,"_229":-5,"_230":417},"https://www.timeanddate.com/calendar/?country=1&utm_source=chatgpt.com","Year 2026 Calendar – United States","What's up in the day and night sky in May 2026, including two Full Moons and the Eta Aquarid meteor shower. The 11 Best Days to Take Off ...Read more",{"_231":31,"_232":233,"_234":315},"ada.org",[426],{"_213":220,"_221":427,"_223":428,"_225":429,"_227":430,"_229":-5,"_230":424},"https://www.ada.org/resources/research/health-policy-institute/wage-and-job-count-dashboard?utm_source=chatgpt.com","Dental workforce wages and job counts dashboard","Interactive dashboard tells you the number of general dentists, dental assistants, and dental hygienists in your state and what their earnings are.",{"_231":291,"_232":233,"_234":323},"britannica.com",[433],{"_213":220,"_221":434,"_223":435,"_225":436,"_227":437,"_229":-5,"_230":431},"https://www.britannica.com/topic/H-letter?utm_source=chatgpt.com","H | History, Etymology, & Pronunciation","h, eighth letter of the alphabet. It corresponds to Semitic cheth and Greek eta (Η). It may derive from an early symbol for fence.Read more",{"_231":360,"_232":233,"_234":323},"instagram.com",[440,441],{"_213":220,"_221":446,"_223":447,"_225":448,"_227":449,"_229":-5,"_230":438},{"_213":220,"_221":442,"_223":443,"_225":444,"_227":445,"_229":-5,"_230":438},"https://www.instagram.com/reel/DYCeYnOOZDQ/?utm_source=chatgpt.com","How to spend a day in South Harlem guide from a native new ...","There are over 200 tours across all five boroughs, ranging from Hunts Point's hustle in the South Bronx, bike tour of Shirley Chisholm Park in ...",{"_231":315,"_232":233,"_234":291},"https://www.instagram.com/95southrestaurantbar/?utm_source=chatgpt.com","95 South Restaurant (@95southrestaurantbar)","Old School Wednesdays at 95 South DJ Legend | DJ Big Lou Drink specials 6. Old School Wednesdays at 95 ...",{"_231":315,"_232":233,"_234":323},"taxpolicycenter.org",[452],{"_213":220,"_221":453,"_223":454,"_225":455,"_227":456,"_229":-5,"_230":450},"https://taxpolicycenter.org/briefing-book/what-child-tax-credit?utm_source=chatgpt.com","What is the child tax credit?","Taxpayers can claim a child tax credit (CTC) of up to $2,200 for each child under age 17 who is a U.S. citizen, national, or resident and has a Social ...Read more",{"_231":323,"_232":233,"_234":323},"childusa.org",[459],{"_213":220,"_221":460,"_223":461,"_225":462,"_227":463,"_229":-5,"_230":457},"https://childusa.org/?utm_source=chatgpt.com","Home - CHILD USA","CHILD USA is the leading nonprofit think tank for children. As an interdisciplinary organization dedicated to working for children's rights, CHILD USA ...Read more",{"_231":331,"_232":233,"_234":323},"fidelity.com",[466],{"_213":220,"_221":467,"_223":468,"_225":469,"_227":470,"_229":-5,"_230":464},"https://www.fidelity.com/learning-center/personal-finance/tax-brackets?utm_source=chatgpt.com","2025 and 2026 tax brackets and federal income tax rates","2026 tax brackets ; 12%, $12,401 to $50,400, $24,801 to $100,800 ; 22%, $50,401 to $105,700, $100,801 to $211,400 ; 24%, $105,701 to $201,775, $211,401 to $403,550 ...Read more",{"_231":31,"_232":233,"_234":323},"starfall.com",[473],{"_213":220,"_221":474,"_223":475,"_225":476,"_227":477,"_229":-5,"_230":471},"https://www.starfall.com/h/abcs/letter-h/?utm_source=chatgpt.com","Letter H Online Activities for Kids","Horns, helicopter, horse, and hummingbird all begin with the letter H! Make a match to uncover another animal whose name begins with H in this activity!",{"_231":360,"_232":233,"_234":331},"southhousejc.com",[480],{"_213":220,"_221":481,"_223":482,"_225":483,"_227":484,"_229":-5,"_230":478},"https://southhousejc.com/?utm_source=chatgpt.com","South House: Homepage","Since opening in 2015, South House has been serving up a blend of Southern hospitality and rock-and-roll energy right in the heart of Jersey City.",{"_231":315,"_232":233,"_234":331},"intuit.com",[487],{"_213":220,"_221":488,"_223":489,"_225":490,"_227":491,"_229":-5,"_230":485},"https://turbotax.intuit.com/tax-tips/family/child-tax-credit/L9ZIjdlZz?utm_source=chatgpt.com","Child Tax Credit for 2025 - 2026 - TurboTax Tax Tips & Videos","Apr 20, 2026 — The Child Tax Credit can be worth up to $2,200 per qualifying child for the 2025 and 2026 tax years. However, the maximum credit can be reduced ...Read more",{"_231":323,"_232":233,"_234":331},"harvard.edu",[494],{"_213":220,"_221":495,"_223":496,"_225":497,"_227":498,"_229":-5,"_230":492},"https://developingchild.harvard.edu/homepage/?utm_source=chatgpt.com","Center on the Developing Child at Harvard University","The mission of the Center on the Developing Child is to leverage the power of science in pursuit of better, more equitable outcomes for young children facing ...Read more",{"_231":331,"_232":233,"_234":331},"nyc.gov",[501],{"_213":220,"_221":502,"_223":503,"_225":504,"_227":505,"_229":-5,"_230":499},"https://www.schools.nyc.gov/calendar/2026-2027-school-year-calendar?utm_source=chatgpt.com","2026-2027 School Year Calendar","This is the 2026–27 school year calendar for NYCPS schools from 3-K through 12. If your child attends a private, parochial, charter school, NYC Early Education ...Read more",{"_231":31,"_232":233,"_234":331},"hadarshemesh.com",[508],{"_213":220,"_221":509,"_223":510,"_225":511,"_227":512,"_229":-5,"_230":506},"https://hadarshemesh.com/magazine/the-h/?utm_source=chatgpt.com","The H in English (how to pronounce, silent H and more)","In this lesson I'll be talking about the H in American English. You see, I notice that people DROP the H when it shouldn't be dropped, PRONOUNCE the H when it ...Read more",{"_231":360,"_232":233,"_234":513},2,"southjazzkitchen.com",[516],{"_213":220,"_221":517,"_223":518,"_225":519,"_227":520,"_229":-5,"_230":514},"https://www.southjazzkitchen.com/?utm_source=chatgpt.com","South Jazz Kitchen | Southern Restaurant in Philadelphia, PA","At SOUTH, we are committed to maintaining the unique, upscale experience we are known for, and that our guests have come to expect. Our intention is ...Read more",{"_231":315,"_232":233,"_234":513},"merriam-webster.com",[523],{"_213":220,"_221":524,"_223":525,"_225":526,"_227":527,"_229":-5,"_230":521},"https://www.merriam-webster.com/dictionary/child?utm_source=chatgpt.com","CHILD Definition & Meaning","8 days ago — 1. a : a young person especially between infancy and puberty a play for both children and adults b : a person not yet of the age of majority.Read more",{"_231":331,"_232":233,"_234":513},"ssa.gov",[530,531,532,533,534,535,536,537,538,539,540],{"_213":220,"_221":580,"_223":581,"_225":582,"_227":583,"_229":-5,"_230":528},{"_213":220,"_221":576,"_223":577,"_225":578,"_227":579,"_229":-5,"_230":528},{"_213":220,"_221":572,"_223":573,"_225":574,"_227":575,"_229":-5,"_230":528},{"_213":220,"_221":568,"_223":569,"_225":570,"_227":571,"_229":-5,"_230":528},{"_213":220,"_221":564,"_223":565,"_225":566,"_227":567,"_229":-5,"_230":528},{"_213":220,"_221":560,"_223":561,"_225":562,"_227":563,"_229":-5,"_230":528},{"_213":220,"_221":557,"_223":550,"_225":558,"_227":559,"_229":-5,"_230":528},{"_213":220,"_221":553,"_223":554,"_225":555,"_227":556,"_229":-5,"_230":528},{"_213":220,"_221":549,"_223":550,"_225":551,"_227":552,"_229":-5,"_230":528},{"_213":220,"_221":545,"_223":546,"_225":547,"_227":548,"_229":-5,"_230":528},{"_213":220,"_221":541,"_223":542,"_225":543,"_227":544,"_229":-5,"_230":528},"https://www.ssa.gov/OACT/testimony/SenateBudgetComm_20260325.pdf?utm_source=chatgpt.com","committee on the budget","Mar 25, 2026 — First, the taxable ratio—the percent of total covered earnings that is below the taxable maximum level ($184,500 in 2026) and thus taxed for ...Read more",{"_231":513,"_232":233,"_234":267},"https://www.ssa.gov/prepare/get-benefits-estimate?utm_source=chatgpt.com","Get a benefits estimate","In 2026, the limit is $184,500. Anything you earn above that won't increase your benefits. We also don't count other income, like pensions or investments. Your ...Read more",{"_231":513,"_232":233,"_234":275},"https://www.ssa.gov/blog/en/posts/2025-10-24.html?utm_source=chatgpt.com","Social Security Announces 2.8 Percent Benefit Increase for ...","Oct 24, 2025 — For example, the maximum amount of earnings subject to the Social Security tax (taxable maximum) is slated to increase to $184,500 from $176,100 ...Read more",{"_231":513,"_232":233,"_234":283},"https://www.ssa.gov/oact/cola/cbbdet.html?utm_source=chatgpt.com","Contribution and Benefit Base Determination","$60,600 times 69,846.57 divided by 22,935.42 equals $184,548.71, which rounds to $184,500 · $184,500 exceeds the base for 2025, so the base for 2026 is $184,500 ...Read more",{"_231":513,"_232":233,"_234":292},"https://www.ssa.gov/news/en/press/releases/2025-10-24.html?utm_source=chatgpt.com","Oct 24, 2025 — Based on that increase, the maximum amount of earnings subject ... tax (taxable maximum) is slated to increase to $184,500 from $176,100.Read more",{"_231":513,"_232":233,"_234":307},"https://www.ssa.gov/benefits/retirement/planner/maxtax.html?utm_source=chatgpt.com","Maximum Taxable Earnings Each Year","Maximum Taxable Earnings Each Year ; 2023, $160,200 ; 2024, $168,600 ; 2025, $176,100 ; 2026, $184,500 ...Read more",{"_231":513,"_232":233,"_234":291},"https://www.ssa.gov/cola/?utm_source=chatgpt.com","Cost-of-Living Adjustment (COLA) Information | News","The 2026 earnings limit for people under full retirement age all year is $24,480. We deduct $1 from your benefits in 2026 for each $2 you earn over $24,480.Read more",{"_231":513,"_232":233,"_234":360},"https://www.ssa.gov/redbook/newfor2026.htm?utm_source=chatgpt.com","What's New in 2026? | The Red Book | SSA","For 2026, the Supplemental Security Income (SSI) FBR is $994 per month for an eligible individual and $1,491 per month for an eligible couple. Student Earned- ...Read more",{"_231":513,"_232":233,"_234":315},"https://www.ssa.gov/benefits/retirement/planner/1956-delay.html?utm_source=chatgpt.com","Delayed Retirement | Born in 1956 | SSA","If you were born between 1956, your full retirement age is 66 and 4 months (En español) · 67, you'll get 105.3 percent of the monthly benefit because you delayed ...Read more",{"_231":513,"_232":233,"_234":323},"https://www.ssa.gov/faqs/en/questions/KA-02387.html?utm_source=chatgpt.com","What is the current maximum amount of taxable earnings ...","Jan 2, 2026 — In 2026, the maximum amount of earnings on which you must pay Social Security tax is $184,500. We raise this amount yearly to keep pace with ...Read more",{"_231":513,"_232":233,"_234":331},"https://www.ssa.gov/news/en/cola/factsheets/2026.html?utm_source=chatgpt.com","2026 Cost-of-Living Adjustment (COLA) Fact Sheet | News","Maximum Social Security Benefit: Worker Retiring at Full Retirement Age. $4,018/mo. $4,152/mo. SSI Federal Payment Standard. Individual, $ 967/mo. $ 994/mo ...Read more",{"_231":513,"_232":233,"_234":513},"taxfoundation.org",[586],{"_213":220,"_221":587,"_223":588,"_225":589,"_227":590,"_229":-5,"_230":584},"https://taxfoundation.org/data/all/federal/2026-tax-brackets/?utm_source=chatgpt.com","2026 Tax Brackets and Federal Income Tax Rates","Jan 1, 2026 — The federal income tax has seven tax rates in 2026: 10 percent, 12 percent, 22 percent, 24 percent, 32 percent, 35 percent, and 37 percent. The ...Read more",{"_231":31,"_232":233,"_234":513},"bls.gov",[593,594,595],{"_213":220,"_221":604,"_223":605,"_225":606,"_227":607,"_229":-5,"_230":591},{"_213":220,"_221":600,"_223":601,"_225":602,"_227":603,"_229":-5,"_230":591},{"_213":220,"_221":596,"_223":597,"_225":598,"_227":599,"_229":-5,"_230":591},"https://www.bls.gov/ooh/healthcare/dental-assistants.htm?utm_source=chatgpt.com","Dental Assistants : Occupational Outlook Handbook","Median wage data are from the BLS Occupational Employment and Wage Statistics survey. In May 2024, the median annual wage for all workers was $49,500. On ...Read more",{"_231":291,"_232":233,"_234":331},"https://www.bls.gov/ooh/?utm_source=chatgpt.com","Home : Occupational Outlook Handbook","Aug 28, 2025 — SELECT OCCUPATIONS BY. 2024 Median Pay. 2024 Median Pay, $100,000 or more, $75,000 to $99,999, $50,000 to $74,999, $37,500 to $49,999, Less than ...Read more",{"_231":291,"_232":233,"_234":513},"https://www.bls.gov/oes/2023/may/oes291021.htm?utm_source=chatgpt.com","Dentists, General","National estimates for Dentists, General: ; Hourly Wage, $ 38.86, $ 59.46, $ 79.95, $ 104.82 ; Annual Wage (2), $ 80,820, $ 123,670, $ 166,300, $ 218,030 ...Read more",{"_231":291,"_232":233,"_234":126},"reddit.com",[610,611],{"_213":220,"_221":616,"_223":617,"_225":618,"_227":619,"_229":-5,"_230":608},{"_213":220,"_221":612,"_223":613,"_225":614,"_227":615,"_229":-5,"_230":608},"https://www.reddit.com/r/latin/comments/iu2qdg/when_is_h_pronounced_and_when_is_it_not/?utm_source=chatgpt.com","When is \"h\" pronounced and when is it not? : r/latin","Salvēte! Assuming classical restored pronunciation, is the “h” always pronounced like in English? Or is it dependent on certain situations like in ...",{"_231":360,"_232":233,"_234":291},"https://www.reddit.com/r/EnglishLearning/comments/14qgnsn/how_do_you_pronounce_the_letter_h_e%C9%AAt%CA%83_or_he%C9%AAt%CA%83/?utm_source=chatgpt.com","How do you pronounce the letter \"H\"? /eɪtʃ/ or /heɪtʃ","First of all I'm not confused about how this letter is pronounced. I've been taught it's the former pronunciation all along and none of the dictionaries ...",{"_231":360,"_232":233,"_234":126},"southwest.com",[622],{"_213":220,"_221":623,"_223":624,"_225":625,"_227":626,"_229":-5,"_230":620},"https://www.southwest.com/?utm_source=chatgpt.com","Southwest Airlines | Airline Tickets and Low Fares","Find low fares to top destinations and plan your travel today. Book Southwest flights, rental cars, and hotels on southwest.com.",{"_231":315,"_232":233,"_234":31},"wikipedia.org",[629,630,631,632],{"_213":220,"_221":644,"_223":645,"_225":646,"_227":647,"_229":-5,"_230":627},{"_213":220,"_221":640,"_223":641,"_225":642,"_227":643,"_229":-5,"_230":627},{"_213":220,"_221":636,"_223":637,"_225":638,"_227":639,"_229":-5,"_230":627},{"_213":220,"_221":633,"_223":365,"_225":634,"_227":635,"_229":-5,"_230":627},"https://en.wikipedia.org/wiki/H?utm_source=chatgpt.com","H (minuscule: h) is the eighth letter of the Latin alphabet, used in the modern English alphabet, including the alphabets of other western European languages ...Read more",{"_231":360,"_232":233,"_234":31},"https://en.wikipedia.org/wiki/South?utm_source=chatgpt.com","South","South is one of the cardinal directions or compass points. The direction is the opposite of north and is perpendicular to both west and east.Read more",{"_231":315,"_232":233,"_234":126},"https://en.wikipedia.org/wiki/Child?utm_source=chatgpt.com","Child","A child ( pl. children) is a human being between the stages of birth and puberty, [1] [2] or between the developmental period of infancy and puberty.Read more",{"_231":331,"_232":233,"_234":31},"https://en.wikipedia.org/wiki/2026?utm_source=chatgpt.com","2026","2026 (MMXXVI) is the current year, and is a common year starting on Thursday of the Gregorian calendar, the 2026th year of the Common Era (CE) and Anno ...Read more",{"_231":31,"_232":233,"_234":126},"irs.gov",[650,651,652,653,654,655],{"_213":220,"_221":677,"_223":678,"_225":679,"_227":680,"_229":-5,"_230":648},{"_213":220,"_221":673,"_223":674,"_225":675,"_227":676,"_229":-5,"_230":648},{"_213":220,"_221":668,"_223":669,"_225":670,"_227":671,"_229":-5,"_230":648},{"_213":220,"_221":664,"_223":665,"_225":666,"_227":667,"_229":-5,"_230":648},{"_213":220,"_221":660,"_223":661,"_225":662,"_227":663,"_229":-5,"_230":648},{"_213":220,"_221":656,"_223":657,"_225":658,"_227":659,"_229":-5,"_230":648},"https://www.irs.gov/newsroom/one-big-beautiful-bill-provisions?utm_source=chatgpt.com","One, Big, Beautiful Bill provisions | Internal Revenue Service","The One, Big, Beautiful Bill Act significantly affects federal taxes, credits and deductions. It was signed into law on July 4, 2025, as Public Law 119-21.Read more",{"_231":323,"_232":233,"_234":291},"https://www.irs.gov/newsroom/tax-benefits-for-parents-and-families?utm_source=chatgpt.com","Tax benefits for parents and families","For 2025, the amount of the CTC is up to $2,200 per qualifying child. The Additional Child Tax Credit is a refundable portion of the CTC. For 2025, up to $1,700 ...Read more",{"_231":323,"_232":233,"_234":513},"https://www.irs.gov/newsroom/tax-credits-for-individuals?utm_source=chatgpt.com","Tax credits for individuals | Internal Revenue Service","Feb 5, 2026 — The One, Big, Beautiful Bill has brought enhancements to some of these credits. ... For 2025, the amount is up to $2,200 per qualifying child.Read more",{"_231":323,"_232":233,"_234":31},"https://www.irs.gov/newsroom/new-and-enhanced-deductions-for-individuals?utm_source=chatgpt.com","New and enhanced deductions for individuals","The standard deduction is a flat amount based on federal income tax filing status (single, married filing separately, married filing jointly, head of household, ...Read more",{"_231":31,"_232":233,"_234":672},15,"https://www.irs.gov/filing/federal-income-tax-rates-and-brackets?utm_source=chatgpt.com","Federal income tax rates and brackets","Feb 20, 2026 — Married filing jointly or qualifying surviving spouse · $23,850 · $23,851 ; Married filing separately · $11,925 · $11,926 ; Head of household · $17,000.Read more",{"_231":31,"_232":233,"_234":360},"https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill?utm_source=chatgpt.com","IRS releases tax inflation adjustments for tax year 2026, ...","Oct 9, 2025 — For tax year 2026, the standard deduction increases to $32,200 for married couples filing jointly. For single taxpayers and married individuals ...Read more",{"_231":31,"_232":233,"_234":31},"https://www.bls.gov/ooh/healthcare/dentists.htm","https://www.bls.gov/ooh/healthcare/dentists.htm?utm_source=chatgpt.com","https://www.irs.gov/credits-deductions/individuals/child-tax-credit","https://www.irs.gov/credits-deductions/individuals/child-tax-credit?utm_source=chatgpt.com","https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill","https://www.ssa.gov/faqs/en/questions/KA-01897.html","https://www.ssa.gov/faqs/en/questions/KA-01897.html?utm_source=chatgpt.com","https://www.ssa.gov/oact/cola/cbb.html","https://www.ssa.gov/oact/cola/cbb.html?utm_source=chatgpt.com",{"_696":784,"_698":-5,"_699":785,"_701":786,"_138":787,"_704":788,"_706":789,"_708":-5,"_213":728,"_729":790,"_731":-5,"_122":732,"_733":-5,"_734":-5},{"_696":771,"_698":-5,"_699":772,"_701":773,"_138":774,"_704":775,"_706":776,"_708":-5,"_213":728,"_729":777,"_731":-5,"_122":732,"_733":-5,"_734":-5},{"_696":758,"_698":-5,"_699":759,"_701":760,"_138":761,"_704":762,"_706":763,"_708":-5,"_213":728,"_729":764,"_731":-5,"_122":732,"_733":-5,"_734":-5},{"_696":746,"_698":-5,"_699":747,"_701":748,"_138":749,"_704":750,"_706":751,"_708":-5,"_213":728,"_729":752,"_731":-5,"_122":732,"_733":-5,"_734":-5},{"_696":722,"_698":-5,"_699":723,"_701":724,"_138":725,"_704":726,"_706":727,"_708":-5,"_213":728,"_729":730,"_731":-5,"_122":732,"_733":-5,"_734":-5},{"_696":697,"_698":-5,"_699":700,"_701":702,"_138":703,"_704":705,"_706":707,"_708":-5,"_213":709,"_710":711,"_712":15},"matched_text"," ","prefix","start_idx",12096,"end_idx",12097,[],"refs",[],"alt","","prompt_text","sources_footnote","sources",[713,714,715],"has_images",{"_223":720,"_221":685,"_230":721},{"_223":718,"_221":682,"_230":719},{"_223":716,"_221":689,"_230":717},"Contribution and Benefit Base","Social Security","Dentists : Occupational Outlook Handbook","Bureau of Labor Statistics","IRS releases tax inflation adjustments for tax year 2026, including amendments from the One, Big, Beautiful Bill | Internal Revenue Service","IRS","citeturn491749search0",7921,7945,[686,687],[],"([Social Security](https://www.ssa.gov/faqs/en/questions/KA-01897.html?utm_source=chatgpt.com))","grouped_webpages","items",[735],"fallback_items","done","error","style",{"_223":736,"_221":687,"_230":717,"_229":737,"_225":738,"_739":-5,"_740":741,"_704":742,"_743":-5,"_744":-5},"What is the maximum Social Security retirement benefit ...",1767312000,"Jan 2, 2026 — If you retire at full retirement age in 2026, your benefit would be $4,152. If you retire at age 62 in 2026, your benefit would be $2,969.Read more","attribution_segments","supporting_websites",[],[745],"hue","attributions",{"_231":513,"_232":233,"_234":31},"citeturn491749search1",7737,7761,[688,689],[],"([Social Security](https://www.ssa.gov/oact/cola/cbb.html?utm_source=chatgpt.com))",[753],{"_223":716,"_221":689,"_230":717,"_229":-5,"_225":754,"_739":-5,"_740":755,"_704":756,"_743":-5,"_744":-5},"This amount is also commonly referred to as the taxable maximum. For earnings in 2026, this base is $184,500. The OASDI tax rate for wages paid in 2026 is ...Read more",[],[757],{"_231":513,"_232":233,"_234":126},"citeturn726481search1",4440,4464,[683,684],[],"([IRS](https://www.irs.gov/credits-deductions/individuals/child-tax-credit?utm_source=chatgpt.com))",[765],{"_223":766,"_221":684,"_230":721,"_229":-5,"_225":767,"_739":-5,"_740":768,"_704":769,"_743":-5,"_744":-5},"Child Tax Credit | Internal Revenue Service","Mar 3, 2026 — The Child Tax Credit is worth up to $2,200 per qualifying child. If you have little or no federal income tax liability, you may qualify for ...Read more",[],[770],{"_231":323,"_232":233,"_234":126},"citeturn325438search0",2177,2201,[681,682],[],"([Bureau of Labor Statistics](https://www.bls.gov/ooh/healthcare/dentists.htm?utm_source=chatgpt.com))",[778],{"_223":718,"_221":682,"_230":719,"_229":779,"_225":780,"_739":-5,"_740":781,"_704":782,"_743":-5,"_744":-5},1756339200,"Pay. The median annual wage for dentists was $179,210 in May 2024. Job Outlook. Overall employment of dentists is projected to grow 4 percent from 2024 to 2034, ...Read more",[],[783],{"_231":291,"_232":233,"_234":31},"citeturn819529view0",1173,1195,[685],[],"([IRS](https://www.irs.gov/newsroom/irs-releases-tax-inflation-adjustments-for-tax-year-2026-including-amendments-from-the-one-big-beautiful-bill))",[791],{"_223":720,"_221":685,"_230":721,"_229":-5,"_225":-5,"_739":-5,"_740":792,"_704":793,"_743":-5,"_744":-5},[],[794],{"_231":126,"_232":795,"_234":31},"view","stop","stop_tokens",[799],200002,"content_type","parts",[803],"# Expected Financial Life: Predental Student Borrowing Heavily and Staying a Long-Term Associate Dentist\n\n## Scenario Modeled\n\nThis is the expected financial path for a student who:\n\n| Item | Assumption |\n|---|---:|\n| Dental school debt at repayment | **$667,000** |\n| Loan refinance rate | **5% fixed** |\n| Loan term | **20 years** |\n| Career path | **Long-term associate dentist** |\n| Starting practice age | **27** |\n| Retirement age | **67** |\n| Filing status | **Married filing jointly** |\n| Children | **Two children** |\n| Child 1 born | Dentist age **27** |\n| Child 2 born | Dentist age **29** |\n| Retirement savings | **5% of gross income** |\n| 529 goal | **$200,000 per child by age 18** |\n| Retirement spending goal | **$150,000/year total gross**, including Social Security for dentist and spouse |\n| Investment return assumption | **7% real for retirement**, **6% real for 529s** |\n\nThe federal tax modeling uses 2026 married-filing-jointly brackets and a $32,200 standard deduction. The 32% federal bracket for married filing jointly does not begin until income above $403,550, so this dentist is not actually in a 32% effective tax situation at $250k income. citeturn819529view0\n\n---\n\n# 1. Loan Reality\n\nBorrowing **$667,000** and refinancing at **5% over 20 years** produces:\n\n| Loan Metric | Amount |\n|---|---:|\n| Principal | **$667,000** |\n| Monthly payment | **~$4,402** |\n| Annual payment | **~$52,823** |\n| Total paid over 20 years | **~$1.06 million** |\n| Total interest paid | **~$389,000** |\n| Loan payoff age | **~47** |\n\nThis is the central financial drag. The dentist is paying the equivalent of a second mortgage for the first 20 years of practice.\n\n---\n\n# 2. Income Assumption\n\nModeled associate income:\n\n| Age | Gross Income |\n|---:|---:|\n| 27 | **$150,000** |\n| 28 | **$175,000** |\n| 29 | **$200,000** |\n| 30 | **$225,000** |\n| 31+ | **$250,000** |\n\nThis is a favorable long-term associate path. It is possible, but not guaranteed. For context, BLS reported the median annual wage for dentists at **$179,210** in May 2024, and general dentists at **$172,790**. BLS also notes wages vary by location, specialty, hours, experience, and industry. citeturn325438search0\n\nSo this model assumes the dentist becomes a solid above-median associate earner.\n\n---\n\n# 3. 529 Plan Required\n\nGoal: **$200,000 per child by age 18**.\n\nAssuming **6% real return**, the required contribution is approximately:\n\n| 529 Item | Amount |\n|---|---:|\n| Monthly contribution per child | **~$525/month** |\n| Annual contribution per child | **~$6,300/year** |\n| Total contribution per child over 18 years | **~$113,400** |\n| Projected value per child at age 18 | **~$200,000** |\n\n## 529 Timing\n\n| Dentist Age | Child 1 529 | Child 2 529 | Total 529 Funding |\n|---:|---:|---:|---:|\n| 27–28 | Yes | No | **$6,300/year** |\n| 29–44 | Yes | Yes | **$12,600/year** |\n| 45–46 | No | Yes | **$6,300/year** |\n| 47+ | No | No | **$0** |\n\nBy dentist age **45**, child 1’s 529 is fully funded. \nBy dentist age **47**, child 2’s 529 is fully funded.\n\nTotal 529 contributions:\n\n| Item | Amount |\n|---|---:|\n| Child 1 contributions | **~$113,400** |\n| Child 2 contributions | **~$113,400** |\n| Total family 529 contributions | **~$226,800** |\n| Total projected 529 value | **~$400,000** |\n\n---\n\n# 4. Working-Life Cash Flow\n\nThis is the main table.\n\nIt shows gross income, estimated taxes, retirement savings, loan payment, 529 funding, and lifestyle spending left.\n\n| Dentist Age | Gross Income | Taxes | 5% Retirement | Loan Payment | 529 Funding | Lifestyle / Spend Left |\n|---:|---:|---:|---:|---:|---:|---:|\n| 27 | $150,000 | ~$28,500 | $7,500 | $52,823 | $6,300 | **~$54,900** |\n| 28 | $175,000 | ~$36,800 | $8,750 | $52,823 | $6,300 | **~$70,300** |\n| 29 | $200,000 | ~$42,000 | $10,000 | $52,823 | $12,600 | **~$82,500** |\n| 30 | $225,000 | ~$48,900 | $11,250 | $52,823 | $12,600 | **~$99,500** |\n| 31–43 | $250,000 | ~$55,700 | $12,500 | $52,823 | $12,600 | **~$116,400/year** |\n| 44 | $250,000 | ~$57,900 | $12,500 | $52,823 | $12,600 | **~$114,200** |\n| 45 | $250,000 | ~$57,900 | $12,500 | $52,823 | $6,300 | **~$120,500** |\n| 46 | $250,000 | ~$60,100 | $12,500 | $52,823 | $6,300 | **~$118,300** |\n| 47–66 | $250,000 | ~$60,100 | $12,500 | $0 | $0 | **~$177,400/year** |\n\nThe Child Tax Credit is modeled at up to **$2,200 per qualifying child**, with the full credit available up to **$400,000** of income for married filing jointly. citeturn726481search1 The tax increase around ages 44–46 reflects children aging out of the Child Tax Credit.\n\n---\n\n# 5. What the Lifestyle Actually Looks Like\n\n## Ages 27–28: Tight\n\nThe dentist earns $150k–$175k, but after taxes, loans, 5% retirement savings, and 529 funding, lifestyle spending is only:\n\n| Age | Lifestyle |\n|---:|---:|\n| 27 | **~$55k** |\n| 28 | **~$70k** |\n\nThis is the hardest period.\n\nThe dentist is technically a high earner, but the debt and early family/529 funding make the first two years feel financially constrained.\n\n---\n\n## Ages 29–30: Stabilizing\n\nSecond child is born at age 29, so 529 contributions double to **$12,600/year**, but income also rises.\n\n| Age | Lifestyle |\n|---:|---:|\n| 29 | **~$82.5k** |\n| 30 | **~$99.5k** |\n\nThis is where life starts feeling more manageable, but still not “rich.”\n\n---\n\n## Ages 31–43: Stable Associate Life\n\nIncome reaches $250k.\n\nThe dentist is paying:\n\n- ~$52.8k/year in student loans\n- $12.5k/year into retirement\n- $12.6k/year into 529s\n- Taxes around $55.7k/year\n\nLifestyle left:\n\n> **~$116k/year**\n\nThis is a solid lifestyle, but the dentist is still carrying the student loan payment and funding college accounts.\n\nThis is probably the main “normal life” period:\n\n| Category | Reality |\n|---|---|\n| Housing | Comfortable, but not unlimited |\n| Cars | Reasonable vehicles, not exotic |\n| Vacations | Possible, but budgeted |\n| Retirement | On track at 5% |\n| College savings | On track |\n| Financial flexibility | Good, but not fully free |\n| Debt pressure | Still significant |\n\n---\n\n## Ages 44–46: 529s Start Finishing, But Tax Credits Fade\n\nAt age 44, child 1 is aging out of the Child Tax Credit, but still finishing 529 funding.\n\nAt age 45, child 1’s 529 is done.\n\nAt age 46, only child 2’s 529 remains, but child tax credits are gone.\n\n| Age | 529 Funding | Lifestyle |\n|---:|---:|---:|\n| 44 | $12,600 | **~$114k** |\n| 45 | $6,300 | **~$120k** |\n| 46 | $6,300 | **~$118k** |\n\nThis period is mostly steady. The 529 burden falls, but some of the benefit is offset by losing child tax credits.\n\n---\n\n## Ages 47–66: Big Financial Opening\n\nAt age 47:\n\n- Student loans are gone\n- Both 529s are funded\n- Retirement savings remains only 5%\n- No extra retirement saving is required under the $150k retirement target\n\nLifestyle capacity becomes:\n\n> **~$177k/year**\n\nThis is the biggest shift in the entire model.\n\n| Before Age 47 | After Age 47 |\n|---:|---:|\n| ~$116k lifestyle | ~$177k lifestyle |\n| Loans active | Loans gone |\n| 529s active | 529s funded |\n| Moderate flexibility | High flexibility |\n\nThe dentist can now live significantly better without jeopardizing the retirement target.\n\n---\n\n# 6. Retirement Projection\n\nThe dentist saves **5% of gross income** from age 27 through 66.\n\n| Age | Retirement Contribution |\n|---:|---:|\n| 27 | $7,500 |\n| 28 | $8,750 |\n| 29 | $10,000 |\n| 30 | $11,250 |\n| 31–66 | $12,500/year |\n\nProjected at **7% real return**:\n\n| Retirement Metric | Amount |\n|---|---:|\n| Total retirement contributions | **~$487,500** |\n| Projected portfolio at 67 | **~$2.33 million** |\n\n---\n\n# 7. Social Security and Retirement Spending\n\nA long-term $250k W-2 dentist is above the 2026 Social Security wage base of **$184,500**, meaning earnings above that do not increase Social Security benefits. citeturn491749search1\n\nThe 2026 maximum Social Security benefit at full retirement age is **$4,152/month**, or **$49,824/year**, for someone with a maximum-taxable-earnings record. citeturn491749search0\n\nModeled retirement income:\n\n| Source | Amount |\n|---|---:|\n| Dentist Social Security | **~$50,000/year** |\n| Spousal Social Security | **~$25,000/year** |\n| Total Social Security | **~$75,000/year** |\n| Desired total retirement income | **$150,000/year** |\n| Required portfolio draw | **~$75,000/year** |\n\nRequired portfolio using a 4% withdrawal rule:\n\n| Item | Amount |\n|---|---:|\n| Portfolio draw needed | **$75,000/year** |\n| Required portfolio | **~$1.875 million** |\n| Projected portfolio | **~$2.33 million** |\n| Cushion | **~$455,000** |\n\nWithdrawal rate needed to hit the $150k total retirement target:\n\n> **$75,000 ÷ $2.33M = ~3.2%**\n\nThat is a reasonable withdrawal rate.\n\nAt a full 4% withdrawal rate, the retirement income would be:\n\n| Source | Amount |\n|---|---:|\n| 4% draw from $2.33M | **~$93,000** |\n| Dentist SS + spousal SS | **~$75,000** |\n| Total gross retirement income | **~$168,000/year** |\n\nSo the 5% retirement contribution is enough for the stated retirement goal.\n\n---\n\n# 8. The Corrected Life Arc\n\n## Summary by Stage\n\n| Stage | Dentist Age | Main Financial Reality | Lifestyle Left |\n|---|---:|---|---:|\n| Early start | 27 | One child, loans, 529 begins | **~$55k** |\n| Early ramp | 28 | Income improves | **~$70k** |\n| Family expansion | 29 | Second child, two 529s | **~$82.5k** |\n| Near-stable | 30 | Higher income, still debt-heavy | **~$99.5k** |\n| Stable associate years | 31–43 | $250k income, loans + two 529s | **~$116k/year** |\n| College funding winds down | 44–46 | 529s finishing, credits fade | **~$114k–$120k/year** |\n| Financial opening | 47–66 | Loans gone, 529s done | **~$177k/year** |\n| Retirement | 67+ | Portfolio + SS | **$150k target easily met** |\n\n---\n\n# 9. Main Takeaways for a Predental Student\n\n## 1. The debt is survivable, but it delays freedom.\n\nA $667k debt load does not destroy the associate dentist path, but it creates a long period of constrained flexibility.\n\nThe first 20 years include a **~$4,400/month student loan payment**.\n\n---\n\n## 2. The first two years are the tightest.\n\nEven with a professional income, the modeled lifestyle is only:\n\n| Age | Lifestyle |\n|---:|---:|\n| 27 | **~$55k** |\n| 28 | **~$70k** |\n\nThat is the part students often underestimate.\n\n---\n\n## 3. By the early 30s, the career becomes comfortable.\n\nOnce income reaches $250k, even with loans and 529s, the dentist has:\n\n> **~$116k/year of lifestyle spending**\n\nThat is a good life, but not unlimited.\n\n---\n\n## 4. The 529 plan is manageable if started early.\n\nTo reach **$200k per child**, the required funding is about:\n\n> **$525/month per child**\n\nThat is much more manageable than trying to catch up later.\n\n---\n\n## 5. Retirement does not require aggressive extra saving in this model.\n\nBecause the retirement target is only **$150k/year total including Social Security**, 5% retirement savings is enough.\n\nProjected outcome:\n\n| Item | Amount |\n|---|---:|\n| Portfolio at 67 | **~$2.33M** |\n| Required portfolio | **~$1.875M** |\n| Retirement cushion | **~$455k** |\n| Required withdrawal rate | **~3.2%** |\n\nSo after the 529s are properly funded, extra cash can reasonably go to lifestyle instead of additional retirement saving.\n\n---\n\n## 6. The best lifestyle increase happens after age 47.\n\nAt age 47:\n\n- Loans are paid off\n- Both 529s are funded\n- Retirement remains on track\n- Lifestyle capacity rises to **~$177k/year**\n\nThat is when the financial reward of the path really shows up.\n\n---\n\n# Final Bottom Line\n\nFor a predental student borrowing **$667,000** and remaining a long-term associate dentist, the expected life is financially workable but delayed.\n\nThe realistic path looks like this:\n\n| Phase | Spending Power |\n|---|---:|\n| Age 27 | **~$55k** |\n| Age 28 | **~$70k** |\n| Age 29 | **~$82.5k** |\n| Age 30 | **~$99.5k** |\n| Ages 31–43 | **~$116k/year** |\n| Ages 44–46 | **~$114k–$120k/year** |\n| Ages 47–66 | **~$177k/year** |\n| Retirement at 67 | **$150k/year target met** |\n\nThe career works, but the financial payoff is back-loaded. The dentist becomes comfortable in the early 30s, but true flexibility does not arrive until the late 40s, when the loans are gone and the 529s are funded.","role","assistant","name",{"_808":809},"real_author","tool:web","0124a24c-1b60-4516-97c5-8cd9321eac2c",{"_804":886,"_806":887,"_127":888},1778186224.8842244,{"_800":45,"_801":885},{"_140":815,"_816":817,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":821,"_822":823,"_824":825,"_826":827,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},[832,833,834,835,836,837,838],"debug_sonic_thread_id","thread_69fcf777fc388330a9fda0dec56d86f8","hide_inline_actions","disable_turn_actions","chime_version","e743f305-c322-425c-9ebf-c650923e3ca2","reasoning_status","is_reasoning","tool_icons",[829],"reasoning_title","Browsing BLS data for dentist wage and tax info","classifier_response","default","reasoning_start_time",1778186092.4033823,{"_213":214,"_215":872,"_217":873},{"_213":214,"_215":867,"_217":868},{"_213":214,"_215":862,"_217":863},{"_213":214,"_215":856,"_217":857},{"_213":214,"_215":332,"_217":852},{"_213":214,"_215":846,"_217":847},{"_213":214,"_215":839,"_217":840},"www.bartonassociates.com",[841],{"_213":220,"_221":842,"_223":288,"_225":289,"_227":843,"_229":844,"_230":839},"https://www.bartonassociates.com/blog/dentist-jobs-in-2025-employment-outlook-and-locum-tenens-opportunities/",{"_231":845,"_232":233,"_234":292},1733410579,325438,"www.beckersdental.com",[848],{"_213":220,"_221":849,"_223":304,"_225":305,"_227":850,"_229":851,"_230":846},"https://www.beckersdental.com/benchmarking/dentist-salary-in-2025-vs-2024-by-state/",{"_231":845,"_232":233,"_234":307},1755534853,[853],{"_213":220,"_221":854,"_223":336,"_225":337,"_227":855,"_229":-5,"_230":332},"https://hiresmiles.com/average-general-dentist-salary-benefits-breakdown-by-state-usa/",{"_231":845,"_232":233,"_234":291},"www.whitecoatinvestor.com",[858],{"_213":220,"_221":859,"_223":357,"_225":358,"_227":860,"_229":861,"_230":856},"https://www.whitecoatinvestor.com/dentist-salaries/",{"_231":845,"_232":233,"_234":360},1762500607,"www.path32.com",[864],{"_213":220,"_221":865,"_223":393,"_225":394,"_227":866,"_229":-5,"_230":862},"https://www.path32.com/post/how-much-do-general-dentists-by-state",{"_231":845,"_232":233,"_234":315},"www.ada.org",[869],{"_213":220,"_221":870,"_223":428,"_225":429,"_227":871,"_229":-5,"_230":867},"https://www.ada.org/resources/research/health-policy-institute/wage-and-job-count-dashboard",{"_231":845,"_232":233,"_234":323},"www.bls.gov",[874,875,876,877],{"_213":220,"_221":681,"_223":718,"_225":780,"_227":884,"_229":779,"_230":872},{"_213":220,"_221":882,"_223":605,"_225":606,"_227":883,"_229":-5,"_230":872},{"_213":220,"_221":880,"_223":601,"_225":602,"_227":881,"_229":779,"_230":872},{"_213":220,"_221":878,"_223":597,"_225":598,"_227":879,"_229":779,"_230":872},"https://www.bls.gov/ooh/healthcare/dental-assistants.htm",{"_231":845,"_232":233,"_234":331},"https://www.bls.gov/ooh/",{"_231":845,"_232":233,"_234":513},"https://www.bls.gov/oes/2023/may/oes291021.htm",{"_231":845,"_232":233,"_234":126},{"_231":845,"_232":233,"_234":31},[707],"tool","web.run",{"_808":889},"tool:web.run",{"_804":886,"_806":887,"_127":902},1778186224.8937776,{"_800":45,"_801":901},{"_894":895,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":896,"_822":823,"_824":897,"_826":827,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},"search_model_queries",{"_213":894,"_898":899},"c5647eba-581b-452e-86b0-4847309efcd1",[829],"queries",[900],"BLS dentists median annual wage 2025 general dentists official occupational outlook handbook",[707],{"_808":889},{"_804":805,"_806":-5,"_127":929},1778186207.48741,{"_800":924,"_925":926,"_927":-5,"_45":928},{"_133":907,"_135":60,"_144":908,"_136":909,"_146":147,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":910,"_822":823,"_911":912,"_913":914,"_915":916,"_824":917,"_826":827,"_918":919,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},{"_213":796,"_797":922},[],[],"0af667c1-a4f8-45a1-9ee0-cbe2dec41983","search_queries",[920],"search_display_string","Searching the web...","searched_display_string","Searched the web...",[829],"reasoning_titles",[827],{"_213":233,"_921":900},"q",[923],200012,"code","language","json","response_format_name","{\"search_query\":[{\"q\":\"BLS dentists median annual wage 2025 general dentists official occupational outlook handbook\"}],\"response_length\":\"medium\"}",{},"0b406899-c134-4e4a-87cd-10302a8ee80c",{"_804":886,"_806":887,"_127":939},1778186224.8940258,{"_800":45,"_801":938},{"_894":935,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":936,"_161":162,"_163":60,"_164":165},{"_213":894,"_898":937},"e2fa3717-b377-4c0a-b0e5-7071b0ef01b1",[900],[707],{"_808":889},"ce5ed865-cfd2-42cf-9223-6ec426c75bfe",{"_804":805,"_806":-5,"_127":953},{"_800":45,"_801":951},{"_136":945,"_138":946,"_142":947,"_144":948,"_146":147,"_949":60,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_158":60,"_159":950,"_161":162,"_163":60,"_164":165},"commentary",[],[],[],[],"is_thinking_preamble_message","7f54211d-d7d3-4f5d-ae45-3397d289d540",[952],"The updated 529 target is much more manageable than the prior aggressive version. To reach **$200k per child by age 18**, the model needs about **$525/month per child**, not $10k–$20k/year indefinitely.",{},"27cb8e53-528a-4a55-837d-0da96c64879c",{"_804":805,"_806":-5,"_127":970},1778186201.215519,{"_800":924,"_925":968,"_927":-5,"_45":969},{"_133":960,"_135":60,"_144":961,"_136":962,"_146":147,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":963,"_161":162,"_163":60,"_164":165,"_822":823,"_824":964,"_826":965,"_918":966,"_828":829,"_830":831},"python",{"_213":796,"_797":967},[],[],"14430904-bfbb-4ff2-abc0-d19580d78df2",[829],"Calculating retirement fund future value at 66",[965],[923],"unknown","fv_ret2=0\nfor age,c in ret_contribs:\n fv_ret2 += c*((1+0.07)**(66-age))\nfv_ret2\n",{},"17ddd03d-0dc6-4282-8afd-c71e6467a6e5",{"_804":805,"_806":-5,"_127":985},1778186194.074185,{"_800":924,"_925":968,"_927":-5,"_45":984},{"_133":976,"_135":60,"_144":977,"_136":978,"_146":147,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":979,"_161":162,"_163":60,"_164":165,"_822":823,"_824":980,"_826":981,"_918":982,"_828":829,"_830":831},{"_213":796,"_797":983},[],[],"b7a916c4-79aa-4b10-aac7-19ae16c8b113",[829],"Calculating retirement portfolio at age 67",[981],[923],"ret_contribs=[]\nfor age in range(27,67):\n ret_contribs.append((age,0.05*income_for_age(age)))\n# FV at age67 assuming end-of-year contributions made each age and compound until age67\nfv_ret=0\nfor age, c in ret_contribs:\n # contribution at end of age year; years grows until retirement at 67\n years=67-age\n fv_ret += c*((1+0.07)**years)\nfv_ret\n",{},"3023f48e-a568-417e-8d2d-df03394bec99",{"_804":805,"_806":-5,"_127":1000},1778186190.082775,{"_800":924,"_925":968,"_927":-5,"_45":999},{"_133":991,"_135":60,"_144":992,"_136":993,"_146":147,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":994,"_161":162,"_163":60,"_164":165,"_822":823,"_824":995,"_826":996,"_918":997,"_828":829,"_830":831},{"_213":796,"_797":998},[],[],"a84be1af-a74b-4551-8792-e96f1adc9283",[829],"Computing future value of monthly investment",[996],[923],"r_month=(1+0.06)**(1/12)-1\nn=18*12\nfv=525*(((1+r_month)**n-1)/r_month)\nfv\n",{},"33d56f35-5cbe-486d-b063-1b6abd4b7801",{"_804":805,"_806":-5,"_127":1015},1778186184.541866,{"_800":924,"_925":968,"_927":-5,"_45":1014},{"_133":1006,"_135":60,"_144":1007,"_136":1008,"_146":147,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1009,"_161":162,"_163":60,"_164":165,"_822":823,"_824":1010,"_826":1011,"_918":1012,"_828":829,"_830":831},{"_213":796,"_797":1013},[],[],"e10e1ebd-94d3-4453-9287-f9901ce9aaba",[829],"Evaluating expenditures for age 27 to 47",[1011],[923],"df.loc[df.Age.between(27,47), [\"Age\",\"Income\",\"CTC_Children\",\"Taxes\",\"Ret5\",\"Loan\",\"529\",\"Spend\"]].to_string(index=False)\n",{},"024fabc4-a4c4-422c-8f08-5f1f4ba37736",{"_804":805,"_806":-5,"_127":1030},1778186167.740578,{"_800":924,"_925":968,"_927":-5,"_45":1029},{"_133":1021,"_135":60,"_144":1022,"_136":1023,"_146":147,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1024,"_161":162,"_163":60,"_164":165,"_822":823,"_824":1025,"_826":1026,"_918":1027,"_828":829,"_830":831},{"_213":796,"_797":1028},[],[],"2605c3c4-3a1f-44a2-bb69-478ad5462bc5",[829],"Calculating tax, savings, and retirement portfolio contributions",[1026],[923],"# Tax model\nstd_mfj_2026=32200\nss_wage_base=184500\nctc_per_child=2200\n\nbrackets=[(24800,0.10),(100800,0.12),(211400,0.22),(403550,0.24),(float('inf'),0.32)]\ndef federal_tax(taxable):\n tax=0\n prev=0\n for limit, rate in brackets:\n amt=max(0, min(taxable, limit)-prev)\n tax += amt*rate\n prev=limit\n if taxable<=limit:\n break\n return tax\n\ndef sc_tax(income, retirement):\n # approximate using taxable as income minus pre-tax retirement, with two-bracket formula:\n x=max(0,income-retirement)\n return max(0,0.0199*min(x,30000)+0.0521*max(x-30000,0)-966)\n\ndef total_tax(income, ret, qualifying_children):\n payroll=min(income,ss_wage_base)*0.062 + income*0.0145\n fed_taxable=max(0,income-ret-std_mfj_2026)\n fed=max(0,federal_tax(fed_taxable) - ctc_per_child*qualifying_children)\n state=sc_tax(income,ret)\n return fed+payroll+state, fed, payroll, state\n\ndef income_for_age(age):\n if age==27: return 150000\n if age==28: return 175000\n if age==29: return 200000\n if age==30: return 225000\n return 250000\n\ndef child_ages(age):\n # child born at dentist age 27 and 29: approximate attained age at end of year\n return max(0, age-27), max(0, age-29)\n\n# Determine 529 contributions $6300 per child in ages funding window\nannual_529_per_child=525*12\ndef q_children(age):\n count=0\n # child1 CTC ages 0-16: dentist ages 27-43 inclusive\n if 27 <= age <= 43: count+=1\n # child2 CTC ages 0-16: dentist ages 29-45 inclusive\n if 29 <= age <= 45: count+=1\n return count\ndef n529_children(age):\n count=0\n # child1 fund from age27 to 44 inclusive (18 years)\n if 27 <= age <= 44: count+=1\n # child2 fund 29 to 46 inclusive\n if 29 <= age <= 46: count+=1\n return count\n\nrows=[]\nfor age in range(27,68):\n inc=income_for_age(age) if age<=66 else 0\n ret=0.05*inc\n nctc=q_children(age)\n tax,fed,payroll,state=total_tax(inc,ret,nctc) if inc>0 else (0,0,0,0)\n loan=annual_pmt if age<=46 else 0\n c529=annual_529_per_child*n529_children(age)\n spend=inc-tax-ret-loan-c529\n rows.append([age,inc,nctc,tax,ret,loan,c529,spend,fed,payroll,state])\ndf=pd.DataFrame(rows,columns=\"Age Income CTC_Children Taxes Ret5 Loan 529 Spend Fed Payroll State\".split())\ndf.head(), df.tail()\n",{},"3d3b6ab1-ca19-4641-8583-d201f6ea342b",{"_804":805,"_806":-5,"_127":1045},1778186148.602365,{"_800":924,"_925":968,"_927":-5,"_45":1044},{"_133":1036,"_135":60,"_144":1037,"_136":1038,"_146":147,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1039,"_161":162,"_163":60,"_164":165,"_822":823,"_824":1040,"_826":1041,"_918":1042,"_828":829,"_830":831},{"_213":796,"_797":1043},[],[],"ca6edada-470f-48b9-b5d5-57adfbe7d602",[829],"Calculating 529 plan contributions for target goal",[1041],[923],"def pmt_for_fv(fv, annual_return, years, monthly=True, begin=False):\n if monthly:\n r=(1+annual_return)**(1/12)-1\n n=years*12\n if begin:\n return fv*r/(((1+r)**n-1)*(1+r))\n else:\n return fv*r/(((1+r)**n-1))\n else:\n r=annual_return\n n=years\n if begin:\n return fv*r/(((1+r)**n-1)*(1+r))\n else:\n return fv*r/(((1+r)**n-1))\nfor begin in [False, True]:\n print(begin, pmt_for_fv(200000,0.06,18,True,begin), pmt_for_fv(200000,0.06,18,False,begin))\n",{},"c96c3c17-f084-48cc-a9d7-d8a52e927a51",{"_804":805,"_806":-5,"_127":1060},1778186142.163613,{"_800":924,"_925":968,"_927":-5,"_45":1059},{"_133":1051,"_135":60,"_144":1052,"_136":1053,"_146":147,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1054,"_161":162,"_163":60,"_164":165,"_822":823,"_824":1055,"_826":1056,"_918":1057,"_828":829,"_830":831},{"_213":796,"_797":1058},[],[],"32a6d6bb-d265-4497-887c-2fc53dc9c9c5",[829],"Computing loan payment and annual amount",[1056],[923],"import math, pandas as pd, numpy as np\n# Parameters\ndebt=667_000\nannual_rate=0.05\nn_months=20*12\nmonthly_rate=annual_rate/12\npmt=debt*monthly_rate/(1-(1+monthly_rate)**(-n_months))\nannual_pmt=pmt*12\npmt, annual_pmt\n",{},"f31b2e91-82a3-4fee-9be6-1556434cdb3d",{"_804":886,"_806":887,"_127":1119},1778186141.0383964,{"_800":45,"_801":1118},{"_140":1066,"_816":817,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1067,"_822":823,"_824":1068,"_826":1069,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},[1070,1071,1072,1073,1074,1075,1076],"39a9f3da-e411-4762-a54c-5099e6a640cd",[829],"Searching South Carolina DOR for H 4216 income deduction",{"_213":214,"_215":1112,"_217":1113},{"_213":214,"_215":1104,"_217":1105},{"_213":214,"_215":506,"_217":1099},{"_213":214,"_215":1094,"_217":1095},{"_213":214,"_215":1088,"_217":1089},{"_213":214,"_215":1083,"_217":1084},{"_213":214,"_215":1077,"_217":1078},"en.wiktionary.org",[1079],{"_213":220,"_221":1080,"_223":365,"_225":366,"_227":1081,"_229":-5,"_230":1077},"https://en.wiktionary.org/wiki/H",{"_231":1082,"_232":233,"_234":360},129916,"www.youtube.com",[1085],{"_213":220,"_221":1086,"_223":400,"_225":401,"_227":1087,"_229":-5,"_230":1083},"https://www.youtube.com/watch?v=R3Zf4XPhWUI",{"_231":1082,"_232":233,"_234":315},"www.britannica.com",[1090],{"_213":220,"_221":1091,"_223":435,"_225":436,"_227":1092,"_229":1093,"_230":1088},"https://www.britannica.com/topic/H-letter",{"_231":1082,"_232":233,"_234":323},1514505600,"www.starfall.com",[1096],{"_213":220,"_221":1097,"_223":475,"_225":476,"_227":1098,"_229":-5,"_230":1094},"https://www.starfall.com/h/abcs/letter-h/",{"_231":1082,"_232":233,"_234":331},[1100],{"_213":220,"_221":1101,"_223":510,"_225":511,"_227":1102,"_229":1103,"_230":506},"https://hadarshemesh.com/magazine/the-h/",{"_231":1082,"_232":233,"_234":513},1515016800,"www.reddit.com",[1106,1107],{"_213":220,"_221":1110,"_223":617,"_225":618,"_227":1111,"_229":-5,"_230":1104},{"_213":220,"_221":1108,"_223":613,"_225":614,"_227":1109,"_229":-5,"_230":1104},"https://www.reddit.com/r/latin/comments/iu2qdg/when_is_h_pronounced_and_when_is_it_not/",{"_231":1082,"_232":233,"_234":291},"https://www.reddit.com/r/EnglishLearning/comments/14qgnsn/how_do_you_pronounce_the_letter_h_e%C9%AAt%CA%83_or_he%C9%AAt%CA%83/",{"_231":1082,"_232":233,"_234":126},"en.wikipedia.org",[1114],{"_213":220,"_221":1115,"_223":365,"_225":634,"_227":1116,"_229":1117,"_230":1112},"https://en.wikipedia.org/wiki/H",{"_231":1082,"_232":233,"_234":31},990394984,[707],{"_808":889},"e19e37ed-042c-4ed2-a8af-e4ca3ec8605e",{"_804":886,"_806":887,"_127":1131},1778186141.0462081,{"_800":45,"_801":1130},{"_894":1125,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1126,"_822":823,"_824":1127,"_826":1069,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},{"_213":894,"_898":1128},"dcf73984-939e-404a-a78b-37b97b1d1f9d",[829],[1129],"site:dor.sc.gov H 4216 South Carolina 5.21% 2026 income adjusted deduction",[707],{"_808":889},{"_804":805,"_806":-5,"_127":1146},1778186137.847823,{"_800":924,"_925":926,"_927":-5,"_45":1145},{"_133":1136,"_135":60,"_144":1137,"_136":1138,"_146":147,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1139,"_822":823,"_911":1140,"_913":914,"_915":916,"_824":1141,"_826":1069,"_918":1142,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},{"_213":796,"_797":1144},[],[],"768c2d71-7b04-4aeb-a4aa-7258d9afcba7",[1143],[829],[1069],{"_213":233,"_921":1129},[923],"{\"search_query\":[{\"q\":\"site:dor.sc.gov H 4216 South Carolina 5.21% 2026 income adjusted deduction\"}],\"response_length\":\"medium\"}",{},{"_804":886,"_806":887,"_127":1155},1778186141.04645,{"_800":45,"_801":1154},{"_894":1151,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1152,"_161":162,"_163":60,"_164":165},{"_213":894,"_898":1153},"01d98958-ed3f-4eab-80cc-a4a9ed03e02b",[1129],[707],{"_808":889},"90baccb7-b62e-4376-991b-f272a2529cef",{"_804":886,"_806":887,"_127":1262},1778186136.5295641,{"_800":45,"_801":1261},{"_140":1161,"_816":817,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1162,"_822":823,"_824":1163,"_826":1164,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},[1165,1166,1167,1168,1169,1170,1171,1172,1173,1174],"80120da1-512c-4795-a989-a93ede82c642",[829],"Searching South Carolina 2026 income tax rate details",{"_213":214,"_215":1256,"_217":1257},{"_213":214,"_215":1112,"_217":1239},{"_213":214,"_215":1234,"_217":1235},{"_213":214,"_215":478,"_217":1230},{"_213":214,"_215":1222,"_217":1223},{"_213":214,"_215":1217,"_217":1218},{"_213":214,"_215":308,"_217":1213},{"_213":214,"_215":1205,"_217":1206},{"_213":214,"_215":1185,"_217":1186},{"_213":214,"_215":1175,"_217":1176},"www.the-sun.com",[1177],{"_213":220,"_221":1178,"_223":1179,"_225":1180,"_227":1181,"_229":1182,"_230":1175},"https://www.the-sun.com/money/16232415/new-state-income-tax-law-reduce-south-carolina/","Workers set to keep up to $3,139 more under new 'income' law","South Carolina Governor Henry McMaster has signed House Bill 4216 into law, bringing sweeping changes to the state's income tax system effective in tax year 2026. The new law simplifies the state’s current three-bracket income tax structure down to two: a 1.99% tax for income up to $30,000 and 5.21% for income above that, reduced from a previous 6% rate. The legislation sets a mechanism for automatic annual tax cuts starting in 2027, triggered by a 5% revenue growth, potentially phasing out the state income tax entirely over time.\n\nApproximately 43% of South Carolinians are expected to benefit from the tax cuts, with the top 1% of earners saving an average of $3,139 annually. However, critics point out that the bottom 20%—earning under $23,200 per year—will see no tax benefit, and around 23% of taxpayers, particularly higher earners who previously itemized deductions, might face increased liabilities. The law replaces federal-style deductions with a new income-adjusted state deduction that phases out at higher incomes.\n\nWhile proponents argue the law will enhance competitiveness and economic growth, opponents worry it could lead to a $6.6 billion reduction in state revenue, potentially threatening public services.",{"_231":1183,"_232":1184,"_234":267},1776354415,747831,"news","www.kiplinger.com",[1187,1188,1189],{"_213":220,"_221":1200,"_223":1201,"_225":1202,"_227":1203,"_229":1204,"_230":1185},{"_213":220,"_221":1195,"_223":1196,"_225":1197,"_227":1198,"_229":1199,"_230":1185},{"_213":220,"_221":1190,"_223":1191,"_225":1192,"_227":1193,"_229":1194,"_230":1185},"https://www.kiplinger.com/taxes/new-tax-brackets-set","New 2026 Income Tax Brackets Are Set: Will Your Rate Change?","The IRS has released the inflation-adjusted federal income tax brackets for the 2026 tax year, set to impact returns filed in early 2027. Although the tax rates themselves remain unchanged at 10%, 12%, 22%, 24%, 32%, 35%, and 37%, the income ranges for each bracket have shifted upward to account for inflation. For instance, single filers will pay 22% on income over $50,400 (up from previous years), and married couples filing jointly will hit that same rate on income over $100,800. The standard deduction has also increased for 2026, allowing taxpayers an opportunity to further reduce taxable income.\n\nThese changes are designed to prevent \"bracket creep,\" which occurs when inflation pushes taxpayers into higher brackets despite no real increase in purchasing power. Fortunately, concerns over a \"tax cliff\"—a potential rollback of favorable provisions from the 2017 Tax Cuts and Jobs Act—have been mitigated due to new legislation passed in 2025. While these adjusted brackets may offer some tax relief, individuals are encouraged to consult tax professionals to understand how these updates affect their personal tax situations.",{"_231":1183,"_232":1184,"_234":251},1760180049,"https://www.kiplinger.com/taxes/the-new-standard-deduction-is-here","2025 Standard Deduction Changes Under New Trump Tax Bill","The 2025 Trump tax bill, referred to as the \"Big Beautiful Bill\" (BBB), introduces several changes to the standard deduction and tax provisions affecting U.S. taxpayers. Under this legislation, standard deduction amounts have been increased significantly for the 2025 tax year. The new standard deductions are: $31,500 for Married Filing Jointly and Surviving Spouses (up $2,300), $15,750 for Single and Married Filing Separately (up $1,150), and $23,625 for Heads of Household (up $1,725). These adjustments combine regular inflation updates and additional boosts from the BBB.\n\nSeniors aged 65 and over receive further benefits. In 2025, they can add $1,600 ($2,000 if unmarried) to their standard deduction. Additionally, the BBB introduces a new temporary $6,000 bonus deduction for those aged 65 and older, which phases out for higher incomes.\n\nDependents' deductions are limited to the greater of $1,350 or $450 plus earned income, but not exceeding the standard amount for their filing status. The bill also makes permanent the tax bracket thresholds, with the top rate of 37% now applying to income over $626,350 for single filers.",{"_231":1183,"_232":1184,"_234":275},1765833914,"https://www.kiplinger.com/taxes/tax-deductions/602223/standard-deduction","Standard Deduction 2025 and 2026: Amounts, Exceptions, and Who Should Itemize","The article discusses the updated standard deduction amounts for 2025 and 2026, influenced by the \"big beautiful bill\" (BBB), a tax package signed into law on July 4, 2025. It extends the elevated deduction levels from the 2017 Tax Cuts and Jobs Act and introduces a $6,000 bonus deduction for taxpayers aged 65 and older through 2028.\n\nFor 2025, the standard deduction amounts are: \n- $15,750 for single or married filing separately \n- $31,500 for married filing jointly or qualifying widow(er) \n- $23,625 for head of household \n\nFor 2026, these amounts increase slightly due to inflation: \n- $16,100 for single or married filing separately \n- $32,200 for married filing jointly or qualifying widow(er) \n- $24,150 for head of household \n\nAdditional deductions apply for those who are 65 or older and/or blind, with extra amounts increasing slightly in 2026. Taxpayers can opt to itemize deductions if they exceed the standard deduction or if ineligible for the standard option. Some states have different deduction rules, allowing variation from federal guidelines.",{"_231":1183,"_232":1184,"_234":283},1768741171,"www.barrons.com",[1207],{"_213":220,"_221":1208,"_223":1209,"_225":1210,"_227":1211,"_229":1212,"_230":1205},"https://www.barrons.com/articles/new-irs-tax-brackets-2026-27a00665","IRS Sets New Tax Brackets for 2026. See How They Have Changed.","The IRS has announced the inflation-adjusted tax brackets and other provisions for the 2026 tax year, which will affect tax returns filed in 2027. The standard deduction will rise to $16,100 for individuals and $32,200 for married couples filing jointly, up from $15,750 and $31,500 respectively in 2025. Seniors aged 65 and over will receive an additional deduction of $2,050 if filing singly or $1,650 each if married filing jointly. These changes follow adjustments made in the Republicans' sweeping tax legislation over the summer.\n\nThe current tax rates, which were set to expire in 2025, have been made permanent, preventing tax hikes for about 62% of taxpayers. The top marginal tax rate remains at 37% for incomes above $640,600 (individuals) or $768,700 (married couples). Adjustments were also made to the alternative minimum tax (AMT), with higher exemption thresholds and phaseout limits, and the estate tax exclusion was increased to $15 million. Flexible spending account (FSA) contribution limits increased to $3,400, while the annual gift tax exclusion remains at $19,000 per recipient.",{"_231":1183,"_232":1184,"_234":292},1760032980,[1214],{"_213":220,"_221":1215,"_223":312,"_225":313,"_227":1216,"_229":-5,"_230":308},"https://resy.com/cities/philadelphia-pa/venues/south-restaurant",{"_231":1183,"_232":233,"_234":307},"www.imdb.com",[1219],{"_213":220,"_221":1220,"_223":372,"_225":373,"_227":1221,"_229":-5,"_230":1217},"https://www.imdb.com/title/tt5545936/",{"_231":1183,"_232":233,"_234":360},"www.instagram.com",[1224,1225],{"_213":220,"_221":1228,"_223":447,"_225":448,"_227":1229,"_229":-5,"_230":1222},{"_213":220,"_221":1226,"_223":443,"_225":444,"_227":1227,"_229":-5,"_230":1222},"https://www.instagram.com/reel/DYCeYnOOZDQ/",{"_231":1183,"_232":233,"_234":291},"https://www.instagram.com/95southrestaurantbar/",{"_231":1183,"_232":233,"_234":323},[1231],{"_213":220,"_221":1232,"_223":482,"_225":483,"_227":1233,"_229":-5,"_230":478},"https://southhousejc.com/",{"_231":1183,"_232":233,"_234":331},"www.southjazzkitchen.com",[1236],{"_213":220,"_221":1237,"_223":518,"_225":519,"_227":1238,"_229":-5,"_230":1234},"https://www.southjazzkitchen.com/",{"_231":1183,"_232":233,"_234":513},[1240,1241,1242,1243],{"_213":220,"_221":1253,"_223":637,"_225":638,"_227":1254,"_229":1255,"_230":1112},{"_213":220,"_221":1250,"_223":1251,"_225":707,"_227":1252,"_229":-5,"_230":1112},{"_213":220,"_221":1247,"_223":1248,"_225":707,"_227":1249,"_229":-5,"_230":1112},{"_213":220,"_221":1244,"_223":1245,"_225":707,"_227":1246,"_229":-5,"_230":1112},"https://en.wikipedia.org/wiki/State_income_tax","State income tax",{"_231":1183,"_232":233,"_234":243},"https://en.wikipedia.org/wiki/Alternative_minimum_tax","Alternative minimum tax",{"_231":1183,"_232":233,"_234":672},"https://en.wikipedia.org/wiki/One_Big_Beautiful_Bill_Act","One Big Beautiful Bill Act",{"_231":1183,"_232":233,"_234":259},"https://en.wikipedia.org/wiki/South",{"_231":1183,"_232":233,"_234":126},1030541270,"www.southwest.com",[1258],{"_213":220,"_221":1259,"_223":624,"_225":625,"_227":1260,"_229":-5,"_230":1256},"https://www.southwest.com/",{"_231":1183,"_232":233,"_234":31},[707],{"_808":889},{"_804":886,"_806":887,"_127":1273},1778186136.5371723,{"_800":45,"_801":1272},{"_894":1267,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1268,"_822":823,"_824":1269,"_826":1164,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},{"_213":894,"_898":1270},"6115df61-6b9d-4a1c-aa22-8b1405394209",[829],[1271],"South Carolina 2026 income tax rate 5.21 30,000 966 income adjusted deduction married filing jointly",[707],{"_808":889},{"_804":805,"_806":-5,"_127":1288},1778186131.500217,{"_800":924,"_925":926,"_927":-5,"_45":1287},{"_133":1278,"_135":60,"_144":1279,"_136":1280,"_146":147,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1281,"_822":823,"_911":1282,"_913":914,"_915":916,"_824":1283,"_826":1164,"_918":1284,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},{"_213":796,"_797":1286},[],[],"bf2c6246-129c-4917-8538-00d57cfa7c50",[1285],[829],[1164],{"_213":233,"_921":1271},[923],"{\"search_query\":[{\"q\":\"South Carolina 2026 income tax rate 5.21 30,000 966 income adjusted deduction married filing jointly\"}],\"response_length\":\"medium\"}",{},"08e76637-90fa-4f63-b9ab-2d9adfcda39a",{"_804":886,"_806":887,"_127":1298},1778186136.5373795,{"_800":45,"_801":1297},{"_894":1294,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1295,"_161":162,"_163":60,"_164":165},{"_213":894,"_898":1296},"575ed23f-513b-47a7-93a2-025f3ac05c87",[1271],[707],{"_808":889},"ac825ecc-f564-4e17-b1dd-cd96bd5d8b83",{"_804":886,"_806":887,"_127":1390},1778186130.6423066,{"_800":45,"_801":1389},{"_140":1304,"_816":817,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1305,"_822":823,"_824":1306,"_826":1307,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},[1308,1309,1310,1311,1312,1313,1314,1315,1316,1317],"af653274-d482-44ec-983c-1ec35d92ab2b",[829],"Searching for IRS child tax credit details",{"_213":214,"_215":1376,"_217":1377},{"_213":214,"_215":1371,"_217":1372},{"_213":214,"_215":450,"_217":1367},{"_213":214,"_215":403,"_217":1362},{"_213":214,"_215":1356,"_217":1357},{"_213":214,"_215":1351,"_217":1352},{"_213":214,"_215":1112,"_217":1348},{"_213":214,"_215":1340,"_217":1341},{"_213":214,"_215":1185,"_217":1327},{"_213":214,"_215":1318,"_217":1319},"www.theguardian.com",[1320],{"_213":220,"_221":1321,"_223":1322,"_225":1323,"_227":1324,"_229":1325,"_230":1318},"https://www.theguardian.com/us-news/2025/may/14/republican-bill-child-tax-credits","Republicans push for bigger families - but their tax bill could exclude millions from child credits","The latest Republican tax bill proposes an increase in the child tax credit from $2,000 to $2,500 per child, but could exclude up to 17 million children due to income thresholds and new eligibility requirements. One controversial provision would require both parents in a married household to have Social Security numbers to claim the credit, disqualifying many undocumented immigrants even if their children are U.S. citizens. Congressional estimates suggest this change could strip benefits from 2 to 4.5 million children.\n\nThe bill emerges amid a conservative push for pronatalist policies aimed at encouraging higher birthrates, with ideas floated ranging from baby bonuses to stay-at-home incentives, though these may disproportionately impact women and lack adequate support for raising children. Critics, particularly Democrats, accuse Republicans of penalizing low-income families while offering full benefits to wealthier households, thus undermining their stated goals.\n\nThe bill also includes other Republican priorities such as exempting tips from taxation in certain jobs, cutting university endowment tax breaks, and offering new business incentives, though many provisions would expire in 2029. The expiration of pandemic-era tax credits and the planned reduction of the child tax credit to $1,000 next year further compound the financial strain on struggling families.",{"_231":1326,"_232":1184,"_234":259},1747236603,726481,[1328,1329],{"_213":220,"_221":1335,"_223":1336,"_225":1337,"_227":1338,"_229":1339,"_230":1185},{"_213":220,"_221":1330,"_223":1331,"_225":1332,"_227":1333,"_229":1334,"_230":1185},"https://www.kiplinger.com/taxes/child-and-dependent-care-credit-how-much-is-it","Child and Dependent Care Credit: How Much Is It?","The Child and Dependent Care Tax Credit (CDCTC) is a non-refundable federal tax credit designed to help working parents or caregivers offset expenses for the care of children under 13 or dependents with disabilities. The credit is income-dependent and covers a percentage of qualifying work-related care expenses to allow the taxpayer to work or seek employment.\n\nFor the 2025 tax year, families can claim up to $3,000 in expenses for one dependent, or $6,000 for multiple dependents. The credit ranges from 20% to 35%, depending on adjusted gross income (AGI). For example, a family earning under $15,000 can claim up to 35%, or $1,050, for one child.\n\nUnder a new law enacted by the Trump administration, CDCTC benefits will increase in 2026. The credit for families earning less than $15,000 will rise to 50%, meaning they can claim up to $1,500 for one dependent.\n\nTo qualify, dependents must live with the claimant over half the year. Certain care providers, such as relatives or household members, may not qualify. Claims are made using IRS Forms 1040 and 2441, and states may offer additional credits. Proper documentation of expenses is essential.",{"_231":1326,"_232":1184,"_234":267},1755086998,"https://www.kiplinger.com/taxes/what-you-should-do-before-2026-because-of-obbba-changes","Seven Things You Should Do Before 2026 Because of One Big Beautiful Bill Changes","The \"One Big Beautiful Bill Act\" (OBBBA), enacted in July 2025, introduces sweeping tax reforms that impact individuals, families, and homeowners. Key changes include a permanent extension of reduced income tax rates from the 2017 Tax Cuts and Jobs Act and an increase of the federal estate tax exemption to $15 million per person in 2026. Individuals aged 65+ receive a new $6,000 standard deduction bonus on top of prior deductions, with phaseouts for higher incomes.\n\nHomeowners in high-tax states gain from a higher SALT deduction cap of $40,000, phased out at high income levels. Charitable giving rules change in 2026, with non-itemizers able to deduct up to $2,000 and new floors imposed on itemized deductions. Health Savings Accounts (HSAs) are expanded to cover direct primary care fees and telehealth is permanently deductible.\n\nFamilies benefit from an increased child tax credit ($2,200) and higher adoption and child care tax credits. 529 plans gain broader allowable uses, and new “Trump accounts” offer $1,000 to newborns for investment. Energy tax credits for green home improvements and electric vehicles now expire at the end of 2025. Taxpayers are encouraged to plan proactively before 2026 to maximize these opportunities.",{"_231":1326,"_232":1184,"_234":275},1759489200,"nypost.com",[1342],{"_213":220,"_221":1343,"_223":1344,"_225":1345,"_227":1346,"_229":1347,"_230":1340},"https://nypost.com/2026/02/06/business/when-to-expect-your-irs-tax-refund/","When to expect your IRS refund - as White House projects $1,000 higher average tax returns","The 2026 tax season officially started on January 26, and U.S. taxpayers may see average refunds increase by $1,000 due to the One Big Beautiful Bill Act, which extended tax cuts from 2017. The Act notably raised the standard deduction for single filers to $15,750 and for married couples to $31,500, with an additional $6,000 deduction for taxpayers over 65. The Child Tax Credit was permanently increased to $2,200 per child, and the Additional Child Tax Credit allows up to $1,700 back per child for those whose credit exceeds their tax liabilities. Additionally, the Earned Income Tax Credit can be worth up to $7,830 based on income, filing status, and number of children.\n\nRefunds typically take 21 days or less for electronic filers, while paper returns or those requiring corrections may take four weeks or more. Most refunds associated with the Earned Income Tax Credit or Additional Child Tax Credit are expected by March 2. Although staffing shortages at the IRS could cause delays for some, the majority of taxpayers are expected to receive their refunds on time. Taxpayers can check their refund status using the IRS \"Where’s My Refund?\" online tool.",{"_231":1326,"_232":1184,"_234":283},1770397247,[1349],{"_213":220,"_221":1250,"_223":1251,"_225":707,"_227":1350,"_229":-5,"_230":1112},{"_231":1326,"_232":233,"_234":292},"www.citizensbank.com",[1353],{"_213":220,"_221":1354,"_223":320,"_225":321,"_227":1355,"_229":-5,"_230":1351},"https://www.citizensbank.com/learning/obbba-tax-changes-for-families.aspx",{"_231":1326,"_232":233,"_234":307},"www.jacksonhewitt.com",[1358],{"_213":220,"_221":1359,"_223":379,"_225":380,"_227":1360,"_229":1361,"_230":1356},"https://www.jacksonhewitt.com/tax-help/questions-and-answers/how-does-one-big-beautiful-bill-impact-child-tax-credit/",{"_231":1326,"_232":233,"_234":360},1754524800,[1363],{"_213":220,"_221":1364,"_223":407,"_225":408,"_227":1365,"_229":1366,"_230":403},"https://onpay.com/insights/child-tax-credit-changes-obbba/",{"_231":1326,"_232":233,"_234":315},1768953600,[1368],{"_213":220,"_221":1369,"_223":454,"_225":455,"_227":1370,"_229":-5,"_230":450},"https://taxpolicycenter.org/briefing-book/what-child-tax-credit",{"_231":1326,"_232":233,"_234":323},"turbotax.intuit.com",[1373],{"_213":220,"_221":1374,"_223":489,"_225":490,"_227":1375,"_229":-5,"_230":1371},"https://turbotax.intuit.com/tax-tips/family/child-tax-credit/L9ZIjdlZz",{"_231":1326,"_232":233,"_234":331},"www.irs.gov",[1378,1379,1380,1381],{"_213":220,"_221":1387,"_223":665,"_225":666,"_227":1388,"_229":-5,"_230":1376},{"_213":220,"_221":683,"_223":766,"_225":767,"_227":1386,"_229":-5,"_230":1376},{"_213":220,"_221":1384,"_223":661,"_225":662,"_227":1385,"_229":-5,"_230":1376},{"_213":220,"_221":1382,"_223":657,"_225":658,"_227":1383,"_229":-5,"_230":1376},"https://www.irs.gov/newsroom/one-big-beautiful-bill-provisions",{"_231":1326,"_232":233,"_234":291},"https://www.irs.gov/newsroom/tax-benefits-for-parents-and-families",{"_231":1326,"_232":233,"_234":513},{"_231":1326,"_232":233,"_234":126},"https://www.irs.gov/newsroom/tax-credits-for-individuals",{"_231":1326,"_232":233,"_234":31},[707],{"_808":889},{"_804":886,"_806":887,"_127":1401},1778186130.6493537,{"_800":45,"_801":1400},{"_894":1395,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1396,"_822":823,"_824":1397,"_826":1307,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},{"_213":894,"_898":1398},"81cf6b42-1db1-4751-8ade-fde9b522dc32",[829],[1399],"IRS One Big Beautiful Bill child tax credit 2200 2026 qualifying child",[707],{"_808":889},{"_804":805,"_806":-5,"_127":1416},1778186119.599988,{"_800":924,"_925":926,"_927":-5,"_45":1415},{"_133":1406,"_135":60,"_144":1407,"_136":1408,"_146":147,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1409,"_822":823,"_911":1410,"_913":914,"_915":916,"_824":1411,"_826":1307,"_918":1412,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},{"_213":796,"_797":1414},[],[],"3957d090-ad6f-477e-ac26-b2ded2a6e4c6",[1413],[829],[1307],{"_213":233,"_921":1399},[923],"{\"search_query\":[{\"q\":\"IRS One Big Beautiful Bill child tax credit 2200 2026 qualifying child\"}],\"response_length\":\"medium\"}",{},"b5da4c53-d474-4197-9ac8-8fa61465a262",{"_804":886,"_806":887,"_127":1426},1778186130.649555,{"_800":45,"_801":1425},{"_894":1422,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1423,"_161":162,"_163":60,"_164":165},{"_213":894,"_898":1424},"9414d9e9-e98c-4a4e-90c5-9e197f0d6ecb",[1399],[707],{"_808":889},"3b001fa3-b92d-4314-8451-46f6980a1c64",{"_804":886,"_806":887,"_127":1486},1778186118.5392168,{"_800":45,"_801":1485},{"_140":1432,"_816":817,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1433,"_822":823,"_824":1434,"_826":1435,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},[1436,1437,1438,1439,1440,1441,1442,1443],"ed21c445-5c11-4890-b4bb-8b155550b61f",[829],"Searching IRS for child tax credit details",{"_213":214,"_215":1112,"_217":1480},{"_213":214,"_215":1475,"_217":1476},{"_213":214,"_215":1470,"_217":1471},{"_213":214,"_215":457,"_217":1465},{"_213":214,"_215":1460,"_217":1461},{"_213":214,"_215":1455,"_217":1456},{"_213":214,"_215":1450,"_217":1451},{"_213":214,"_215":1444,"_217":1445},"www.healthychildren.org",[1446],{"_213":220,"_221":1447,"_223":328,"_225":329,"_227":1448,"_229":-5,"_230":1444},"https://www.healthychildren.org/",{"_231":1449,"_232":233,"_234":307},591099,"www.un.org",[1452],{"_213":220,"_221":1453,"_223":343,"_225":344,"_227":1454,"_229":-5,"_230":1450},"https://www.un.org/en/global-issues/children",{"_231":1449,"_232":233,"_234":291},"dictionary.cambridge.org",[1457],{"_213":220,"_221":1458,"_223":386,"_225":387,"_227":1459,"_229":-5,"_230":1455},"https://dictionary.cambridge.org/us/dictionary/english/child",{"_231":1449,"_232":233,"_234":360},"www.cdc.gov",[1462],{"_213":220,"_221":1463,"_223":414,"_225":415,"_227":1464,"_229":-5,"_230":1460},"https://www.cdc.gov/child-development/index.html",{"_231":1449,"_232":233,"_234":315},[1466],{"_213":220,"_221":1467,"_223":461,"_225":462,"_227":1468,"_229":1469,"_230":457},"https://childusa.org/",{"_231":1449,"_232":233,"_234":323},1672643524,"developingchild.harvard.edu",[1472],{"_213":220,"_221":1473,"_223":496,"_225":497,"_227":1474,"_229":-5,"_230":1470},"https://developingchild.harvard.edu/homepage/",{"_231":1449,"_232":233,"_234":331},"www.merriam-webster.com",[1477],{"_213":220,"_221":1478,"_223":525,"_225":526,"_227":1479,"_229":-5,"_230":1475},"https://www.merriam-webster.com/dictionary/child",{"_231":1449,"_232":233,"_234":513},[1481],{"_213":220,"_221":1482,"_223":641,"_225":642,"_227":1483,"_229":1484,"_230":1112},"https://en.wikipedia.org/wiki/Child",{"_231":1449,"_232":233,"_234":31},1035399875,[707],{"_808":889},"c9d50cb4-51f0-415d-87a0-7026958abb66",{"_804":886,"_806":887,"_127":1498},1778186118.5466108,{"_800":45,"_801":1497},{"_894":1492,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1493,"_822":823,"_824":1494,"_826":1435,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},{"_213":894,"_898":1495},"16f93f80-bc11-4f61-8035-75b1b39b6e08",[829],[1496],"site:irs.gov child tax credit 2026 2200 qualifying child married filing jointly phaseout 400000",[707],{"_808":889},{"_804":805,"_806":-5,"_127":1513},1778186115.211158,{"_800":924,"_925":926,"_927":-5,"_45":1512},{"_133":1503,"_135":60,"_144":1504,"_136":1505,"_146":147,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1506,"_822":823,"_911":1507,"_913":914,"_915":916,"_824":1508,"_826":1435,"_918":1509,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},{"_213":796,"_797":1511},[],[],"caf13bff-3736-4103-9efa-515ef30d9dd8",[1510],[829],[1435],{"_213":233,"_921":1496},[923],"{\"search_query\":[{\"q\":\"site:irs.gov child tax credit 2026 2200 qualifying child married filing jointly phaseout 400000\"}],\"response_length\":\"short\"}",{},"56ccf38d-1955-461c-b783-1567222f3f15",{"_804":886,"_806":887,"_127":1523},1778186118.5468912,{"_800":45,"_801":1522},{"_894":1519,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1520,"_161":162,"_163":60,"_164":165},{"_213":894,"_898":1521},"3efe0cbc-a65e-42fd-a26b-4cc900a8207d",[1496],[707],{"_808":889},"6c05dc31-7adf-41ab-83d5-1af72e27d981",{"_804":886,"_806":887,"_127":1579},1778186114.0949779,{"_800":45,"_801":1578},{"_140":1529,"_816":817,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1530,"_822":823,"_824":1531,"_826":1532,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},[1533],"4196f11d-5aca-4aa4-98db-373a8d544498",[829],"Searching for 2026 Social Security benefit information",{"_213":214,"_215":1534,"_217":1535},"www.ssa.gov",[1536,1537,1538,1539,1540,1541,1542,1543,1544,1545,1546,1547,1548],{"_213":220,"_221":686,"_223":736,"_225":738,"_227":1577,"_229":737,"_230":1534},{"_213":220,"_221":688,"_223":716,"_225":754,"_227":1576,"_229":-5,"_230":1534},{"_213":220,"_221":1573,"_223":581,"_225":1574,"_227":1575,"_229":-5,"_230":1534},{"_213":220,"_221":1571,"_223":577,"_225":578,"_227":1572,"_229":737,"_230":1534},{"_213":220,"_221":1569,"_223":573,"_225":574,"_227":1570,"_229":-5,"_230":1534},{"_213":220,"_221":1567,"_223":569,"_225":570,"_227":1568,"_229":-5,"_230":1534},{"_213":220,"_221":1565,"_223":565,"_225":566,"_227":1566,"_229":-5,"_230":1534},{"_213":220,"_221":1563,"_223":561,"_225":562,"_227":1564,"_229":-5,"_230":1534},{"_213":220,"_221":1561,"_223":550,"_225":558,"_227":1562,"_229":1558,"_230":1534},{"_213":220,"_221":1559,"_223":554,"_225":555,"_227":1560,"_229":-5,"_230":1534},{"_213":220,"_221":1556,"_223":550,"_225":551,"_227":1557,"_229":1558,"_230":1534},{"_213":220,"_221":1553,"_223":546,"_225":547,"_227":1554,"_229":1555,"_230":1534},{"_213":220,"_221":1549,"_223":542,"_225":543,"_227":1550,"_229":1551,"_230":1534},"https://www.ssa.gov/OACT/testimony/SenateBudgetComm_20260325.pdf",{"_231":1552,"_232":233,"_234":267},1776252856,491749,"https://www.ssa.gov/prepare/get-benefits-estimate",{"_231":1552,"_232":233,"_234":275},1691494320,"https://www.ssa.gov/blog/en/posts/2025-10-24.html",{"_231":1552,"_232":233,"_234":283},1761264000,"https://www.ssa.gov/oact/cola/cbbdet.html",{"_231":1552,"_232":233,"_234":292},"https://www.ssa.gov/news/en/press/releases/2025-10-24.html",{"_231":1552,"_232":233,"_234":307},"https://www.ssa.gov/benefits/retirement/planner/maxtax.html",{"_231":1552,"_232":233,"_234":291},"https://www.ssa.gov/cola/",{"_231":1552,"_232":233,"_234":360},"https://www.ssa.gov/redbook/newfor2026.htm",{"_231":1552,"_232":233,"_234":315},"https://www.ssa.gov/benefits/retirement/planner/1956-delay.html",{"_231":1552,"_232":233,"_234":323},"https://www.ssa.gov/faqs/en/questions/KA-02387.html",{"_231":1552,"_232":233,"_234":331},"https://www.ssa.gov/news/en/cola/factsheets/2026.html","Maximum Taxable Earnings. Social Security (OASDI only), $176,100, $184,500 ... NOTE: One dollar in benefits will be withheld for every $2 in earnings above the ...Read more",{"_231":1552,"_232":233,"_234":513},{"_231":1552,"_232":233,"_234":126},{"_231":1552,"_232":233,"_234":31},[707],{"_808":889},"4e21d19c-9ed1-49e4-9944-16adc60042d6",{"_804":886,"_806":887,"_127":1592},1778186114.1020746,{"_800":45,"_801":1591},{"_894":1585,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1586,"_822":823,"_824":1587,"_826":1532,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},{"_213":894,"_898":1588},"b6862177-28cf-4248-a716-01cd96783139",[829],[1589,1590],"site:ssa.gov 2026 maximum Social Security benefit full retirement age $4152","site:ssa.gov 2026 maximum taxable earnings Social Security wage base 184500",[707],{"_808":889},{"_804":805,"_806":-5,"_127":1608},1778186110.539477,{"_800":924,"_925":926,"_927":-5,"_45":1607},{"_133":1597,"_135":60,"_144":1598,"_136":1599,"_146":147,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1600,"_822":823,"_911":1601,"_913":914,"_915":916,"_824":1602,"_826":1532,"_918":1603,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},{"_213":796,"_797":1606},[],[],"a1c92041-6080-4346-adaa-0651461ece34",[1604,1605],[829],[1532],{"_213":233,"_921":1589},{"_213":233,"_921":1590},[923],"{\"search_query\":[{\"q\":\"site:ssa.gov 2026 maximum Social Security benefit full retirement age $4152\"},{\"q\":\"site:ssa.gov 2026 maximum taxable earnings Social Security wage base 184500\"}],\"response_length\":\"medium\"}",{},"299e484e-2cf7-447b-b0d0-8a15fc727af4",{"_804":886,"_806":887,"_127":1618},1778186114.1022954,{"_800":45,"_801":1617},{"_894":1614,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1615,"_161":162,"_163":60,"_164":165},{"_213":894,"_898":1616},"c27294f0-e364-4733-a5c5-43513132c057",[1589,1590],[707],{"_808":889},"1d804580-2a0c-4e94-9fb9-5f89592d8de6",{"_804":886,"_806":887,"_127":1640},1778186110.3101335,{"_800":45,"_801":1639},{"_140":1624,"_816":817,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1625,"_822":823,"_824":1626,"_826":1627,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},[1628],"dfd4f9bb-c342-4731-ad03-86cf30f7e7bd",[829],"Browsing IRS and SSA websites for tax information",{"_213":214,"_215":1376,"_217":1629},[1630,1631],{"_213":220,"_221":685,"_223":720,"_225":1637,"_227":1638,"_229":-5,"_230":1376},{"_213":220,"_221":1632,"_223":1633,"_225":1634,"_227":1635,"_229":-5,"_230":1376},"https://www.irs.gov/filing/federal-income-tax-rates-and-brackets","Federal income tax rates and brackets | Internal Revenue Service","Total lines: 469\n",{"_231":1636,"_232":795,"_234":126},819529,"Total lines: 431\n",{"_231":1636,"_232":795,"_234":31},[707],{"_808":889},{"_804":805,"_806":-5,"_127":1653},1778186105.826581,{"_800":924,"_925":926,"_927":-5,"_45":1652},{"_133":1645,"_135":60,"_144":1646,"_136":1647,"_146":147,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1648,"_822":823,"_824":1649,"_826":1627,"_918":1650,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},{"_213":796,"_797":1651},[],[],"209bb372-071a-42ea-a2c9-dc1680bbf190",[829],[1627],[923],"{\"open\":[{\"ref_id\":\"turn387511search0\"},{\"ref_id\":\"turn387511search6\"}],\"response_length\":\"medium\"}",{},"370b6c54-4ea1-4381-bfba-8a752ad07878",{"_804":886,"_806":887,"_127":1767},1778186103.9373686,{"_800":45,"_801":1766},{"_140":1659,"_816":817,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1660,"_822":823,"_824":1661,"_826":1662,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},[1663,1664,1665,1666,1667,1668,1669,1670,1671,1672,1673,1674,1675,1676,1677],"17a1d83c-97f3-4fa4-83ff-2ac8bd08d483",[829],"Browsing for 2026 tax and Social Security data",{"_213":214,"_215":1750,"_217":1751},{"_213":214,"_215":1175,"_217":1742},{"_213":214,"_215":1376,"_217":1737},{"_213":214,"_215":1112,"_217":1732},{"_213":214,"_215":584,"_217":1728},{"_213":214,"_215":1723,"_217":1724},{"_213":214,"_215":1718,"_217":1719},{"_213":214,"_215":1713,"_217":1714},{"_213":214,"_215":1708,"_217":1709},{"_213":214,"_215":1702,"_217":1703},{"_213":214,"_215":276,"_217":1698},{"_213":214,"_215":1693,"_217":1694},{"_213":214,"_215":260,"_217":1689},{"_213":214,"_215":1684,"_217":1685},{"_213":214,"_215":1678,"_217":1679},"www.nintendo.com",[1680],{"_213":220,"_221":1681,"_223":248,"_225":249,"_227":1682,"_229":-5,"_230":1678},"https://www.nintendo.com/us/nintendo-direct/5-6-2026/?srsltid=AfmBOorywBbSlkNWCQUPGbD0anTChuKqKAXlQ9BbfEC45ZhPael7fRo8",{"_231":1683,"_232":233,"_234":251},387511,"www.principal.com",[1686],{"_213":220,"_221":1687,"_223":256,"_225":257,"_227":1688,"_229":-5,"_230":1684},"https://www.principal.com/individuals/learn/individual-tax-brackets-understand-what-you-pay",{"_231":1683,"_232":233,"_234":259},[1690],{"_213":220,"_221":1691,"_223":264,"_225":265,"_227":1692,"_229":-5,"_230":260},"https://albertmohler.com/2026/05/07/briefing-5-7-26/",{"_231":1683,"_232":233,"_234":267},"www.empower.com",[1695],{"_213":220,"_221":1696,"_223":272,"_225":273,"_227":1697,"_229":-5,"_230":1693},"https://www.empower.com/the-currency/money/income-tax-brackets",{"_231":1683,"_232":233,"_234":275},[1699],{"_213":220,"_221":1700,"_223":280,"_225":281,"_227":1701,"_229":-5,"_230":276},"https://copera.org/pera-on-the-issues/irs-releases-2026-tax-brackets-contribution-limits-other-tax-updates",{"_231":1683,"_232":233,"_234":283},"www.usbank.com",[1704],{"_213":220,"_221":1705,"_223":297,"_225":298,"_227":1706,"_229":1707,"_230":1702},"https://www.usbank.com/wealth-management/financial-perspectives/financial-planning/tax-brackets.html",{"_231":1683,"_232":233,"_234":292},1761755640,"www.weforum.org",[1710],{"_213":220,"_221":1711,"_223":350,"_225":351,"_227":1712,"_229":-5,"_230":1708},"https://www.weforum.org/publications/global-risks-report-2026/",{"_231":1683,"_232":233,"_234":291},"www.timeanddate.com",[1715],{"_213":220,"_221":1716,"_223":421,"_225":422,"_227":1717,"_229":-5,"_230":1713},"https://www.timeanddate.com/calendar/?country=1",{"_231":1683,"_232":233,"_234":315},"www.fidelity.com",[1720],{"_213":220,"_221":1721,"_223":468,"_225":469,"_227":1722,"_229":-5,"_230":1718},"https://www.fidelity.com/learning-center/personal-finance/tax-brackets",{"_231":1683,"_232":233,"_234":323},"www.schools.nyc.gov",[1725],{"_213":220,"_221":1726,"_223":503,"_225":504,"_227":1727,"_229":-5,"_230":1723},"https://www.schools.nyc.gov/calendar/2026-2027-school-year-calendar",{"_231":1683,"_232":233,"_234":331},[1729],{"_213":220,"_221":1730,"_223":588,"_225":589,"_227":1731,"_229":-5,"_230":584},"https://taxfoundation.org/data/all/federal/2026-tax-brackets/",{"_231":1683,"_232":233,"_234":513},[1733],{"_213":220,"_221":1734,"_223":645,"_225":646,"_227":1735,"_229":1736,"_230":1112},"https://en.wikipedia.org/wiki/2026",{"_231":1683,"_232":233,"_234":126},1021798566,[1738,1739],{"_213":220,"_221":685,"_223":678,"_225":679,"_227":1741,"_229":-5,"_230":1376},{"_213":220,"_221":1632,"_223":674,"_225":675,"_227":1740,"_229":-5,"_230":1376},{"_231":1683,"_232":233,"_234":360},{"_231":1683,"_232":233,"_234":31},[1743],{"_213":220,"_221":1744,"_223":1745,"_225":1746,"_227":1747,"_229":1748,"_230":1175},"https://www.the-sun.com/money/16303627/social-security-retirement-age-claim-benefits/","The maximum Social Security retirement check you can claim at 62 vs. 70","This article outlines the financial differences in claiming Social Security retirement benefits at various ages, specifically comparing retirement at age 62, full retirement age (FRA, typically 67), and age 70. Claiming benefits at 62 yields significantly lower monthly payments due to early collection—up to 30% less than the FRA and 77% less than waiting until 70. In 2026, someone retiring at 62 can receive a maximum of $2,969 monthly ($35,628 annually), whereas at FRA the maximum is $4,152 per month ($49,824 annually). Waiting until 70 results in a maximum benefit of $5,181 per month, totaling $62,172 per year. Over 15 years, that can lead to a difference of nearly $400,000 more in benefits for those retiring at 70 compared to 62. Benefits depend on a person's earnings history, retirement age, and the year benefits begin. Experts recommend supplementing Social Security with retirement savings such as 401(k)s or IRAs due to uncertainty about the program’s future. The decision on when to retire should be based on individual health, longevity expectations, and financial needs.",{"_231":1683,"_232":1184,"_234":1749},1777667044,20,"www.investopedia.com",[1752,1753],{"_213":220,"_221":1760,"_223":1761,"_225":1762,"_227":1763,"_229":1764,"_230":1750},{"_213":220,"_221":1754,"_223":1755,"_225":1756,"_227":1757,"_229":1758,"_230":1750},"https://www.investopedia.com/proposal-would-cap-six-figure-social-security-benefits-to-help-save-the-program-11966862","Proposal Would Cap Six-Figure Social Security Benefits To Help Save the Program","A new proposal recommends capping Social Security benefits at $100,000 annually per couple to address the looming insolvency of the program, projected to occur by 2032. Currently, about 2% of Social Security beneficiaries—over 1.25 million retirees—receive $50,000 or more per year, with some couples collecting six-figure sums due to high lifetime earnings and delayed retirement. The proposed cap, suggested by the Committee for a Responsible Federal Budget (CRFB), aims to save between $100 billion and $190 billion over a decade and could reduce the Social Security budget shortfall by 55% over 75 years if implemented as a 30-year fixed cap.\n\nWhile not sufficient on its own to prevent insolvency, the cap could buy time for other policy solutions, such as raising taxes or reducing other benefits. Designed to affect only the top 20% to 30% of earners, the plan is considered highly progressive. The initiative prioritizes long-term solvency and aims to avoid the 24% across-the-board cut in benefits projected if no changes are made.",{"_231":1683,"_232":1184,"_234":1759},1777992165,19,"https://www.investopedia.com/this-bill-would-repeal-a-rule-that-cuts-some-working-retirees-social-security-benefits-11961435","This Bill Would Repeal a Rule that Cuts Some Working Retirees' Social Security Benefits","A recently reintroduced bill, the Senior Citizens' Freedom to Work Act, aims to repeal the Social Security earnings test for individuals who claim benefits before reaching full retirement age. Introduced by Rep. Greg Murphy (R-NC) with a Senate counterpart by Sen. Rick Scott (R-FL), the legislation could impact millions of working Americans aged 62 to 67. The current earnings test reduces Social Security benefits for individuals earning above specified thresholds—$24,480 for those under full retirement age and $65,160 in the year they reach it. Though withheld amounts are later recalculated and paid back, the policy is often viewed as punitive and confusing.\n\nCritics argue the rule, a vestige of the Great Depression, discourages work and disproportionately hurts retirees who may not live long enough to reclaim lost benefits. While the Social Security Administration estimates a minimal but positive long-term fiscal impact from the repeal, concerns remain. A 2023 Congressional Research Service report warns that removing the test without recalculations could lead to lower lifetime benefits and increased poverty rates among older populations, especially women and seniors aged 80-89. Despite support, previous attempts to pass similar legislation have failed, casting uncertainty on its future.",{"_231":1683,"_232":1184,"_234":1765},1777659898,18,[707],{"_808":889},{"_804":886,"_806":887,"_127":1779},1778186103.9441812,{"_800":45,"_801":1778},{"_894":1772,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1773,"_822":823,"_824":1774,"_826":1662,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},{"_213":894,"_898":1775},"372c6015-afd8-4102-a9ab-d78739037351",[829],[1776,1777],"2026 IRS married filing jointly standard deduction tax brackets child tax credit 2026 official","2026 Social Security maximum benefit full retirement age maximum taxable earnings official",[707],{"_808":889},{"_804":805,"_806":-5,"_127":1795},1778186092.397075,{"_800":924,"_925":926,"_927":-5,"_45":1794},{"_133":1784,"_135":60,"_144":1785,"_136":1786,"_146":147,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1787,"_822":823,"_911":1788,"_913":914,"_915":916,"_824":1789,"_826":1662,"_918":1790,"_828":829,"_830":831,"_161":162,"_163":60,"_164":165},{"_213":796,"_797":1793},[],[],"a3552d05-32e0-4521-9695-f8c1d7fe32dc",[1791,1792],[829],[1662],{"_213":233,"_921":1776},{"_213":233,"_921":1777},[923],"{\"search_query\":[{\"q\":\"2026 IRS married filing jointly standard deduction tax brackets child tax credit 2026 official\"},{\"q\":\"2026 Social Security maximum benefit full retirement age maximum taxable earnings official\"}],\"response_length\":\"short\"}",{},"e3b68dd5-836a-4c2f-8fb4-ed1dd788874e",{"_804":886,"_806":887,"_127":1805},1778186103.944379,{"_800":45,"_801":1804},{"_894":1801,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_159":1802,"_161":162,"_163":60,"_164":165},{"_213":894,"_898":1803},"d8fa249e-ca2c-4a6d-a732-680314358aa0",[1776,1777],[707],{"_808":889},"af63fea9-67a4-4274-8718-39c495e9222b",{"_804":805,"_806":-5,"_127":1816},{"_800":45,"_801":1814},{"_144":1810,"_136":1811,"_142":1812,"_146":147,"_949":60,"_818":60,"_819":60,"_820":126,"_148":149,"_150":151,"_152":153,"_154":147,"_155":147,"_156":157,"_158":60,"_159":1813,"_161":162,"_163":60,"_164":165},[],[],[],"2a5fcbe8-f236-456d-8f7f-d3e48c1d1eb6",[1815],"I’ll rebuild the model around the new 529 target: **$200k per child by each child’s age 18**, with child one born when the dentist is 27 and child two born when the dentist is 29. This will reduce the 529 burden versus the prior aggressive plan and free up more lifestyle spending earlier.",{},"dd",{"_1828":1829,"_1830":1831},"disablePrefetch","shouldPrefetchAccount","shouldPrefetchUser","shouldPrefetchSystemHints","promoteCss","disableSSR","stripModulepreloadImports","statsigGateEvaluationsPromise",["P",1827],"traceId","8507214116398253610","traceTime",1778326069564]

Chat history

Tax and Loan Analysis