New Tax Bill: No Tax on Tips, No Tax on Overtime, and New Deduction for Seniors

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In this episode of the Sunlight Tax podcast, I break down the One Big Beautiful Bill Act and what it means for taxpayers like you. I explain the campaign promises written into this bill, including the “no tax on tips” provision, the “no tax on overtime” benefit, and the new deductions available for seniors. 

My goal is to help you clearly understand how these changes may impact your taxes, your income, and your financial planning. If you want to stay ahead of new tax laws and make the most of these opportunities, this episode is for you.

Also mentioned in today’s episode:

03:13  Campaign Promises and Tax Deductions

06:15  Understanding the No Tax on Tips Provision

19:52  Exploring the No Tax on Overtime Provision

Takeaways

  • The One Big Beautiful Bill Act (OBBBA) was passed on July 2nd.

  • The bill includes several campaign promises related to tax deductions.

  • A new higher standard deduction for seniors is introduced.

  • The no tax on tips provision benefits higher income tipped workers.

  • Only qualified tips are eligible for the new deduction.

  • The no tax on overtime provision allows deductions for overtime pay.

  • The deductions expire in 2029, providing limited time benefits.

  • Tax equity is a significant concern with the new provisions.

  • The bill's provisions are retroactive to January 1, 2025.

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Other Sunlight Tax podcast episodes about OBBBA:

Links:

Link to pre-order my book, Taxes for Humans: Simplify Your Taxes and Change the World When You’re Self-Employed.

Link to pre-order my workbook, Taxes for Humans: The Workbook

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Breaking Down Trump’s New Tax Law: Cars, New Loan Interest Deduction, and Expiring Energy Credits