📝 The U.S. government passed a new tax law called the “One Big Beautiful Bill.” It keeps some tax rules the same, adds a few perks, and removes some benefits. If you’re a creator, this article helps you understand what matters—and what doesn’t.

🧾 1. Tax Brackets Stay the Same

The amount of tax you pay based on your income (called tax brackets) will not go up in 2025 like it was supposed to. That’s good news—nothing changes here.

💼 2. QBI Deduction Is Here to Stay

If you have an LLC or S Corp, you may get a 20% deduction on your business income. That rule was going to expire but is now permanent. It’s a major tax saving for business owners.

💰 3. Tip Income Isn’t Tax-Free for Creators

The bill says some tips don’t get taxed—but only for W-2 employees (like restaurant workers). If you’re self-employed and get “tips” on PayPal or YouTube, you still have to report that money as income. Sorry, streamers!

🏠 4. SALT Deduction Gets Bigger

Homeowners in high-tax states like New York and California can now deduct up to $40,000 in real estate taxes (up from $10,000). But if you rent or live in a low-tax state, this doesn’t affect you.

👶 5. Child Tax Credit Goes Up

The credit per child increases from $2,000 to $2,200—and it’s now permanent. That’s helpful for families.

🍼 6. New $1,000 “Trump Accounts”

Babies born between 2024–2028 will get a one-time $1,000 investment account. The money is for education and only gets taxed on gains later.

🚗 7. Car Loan Interest Deduction

If you buy a U.S.-made car and make less than $100K ($200K for couples), you can write off some interest—up to $10,000. It’s a small bonus for those buying a vehicle.

🔋 8. No More Clean Energy Credits

The tax breaks for buying electric vehicles or installing solar panels are gone. If you were planning to go green, that incentive has been removed.

🏘️ 9. Not a Gold Rush for Airbnb Hosts

Despite online hype, the bill doesn’t unlock new benefits for Airbnb hosts—unless you’re a full-time real estate pro. Don’t believe the “biggest Airbnb gold rush” claims.

⚖️ 10. The Trade-Offs

To pay for the tax cuts, other programs like Medicaid and SNAP got cut. It may not impact you now, but it could if you use public benefits in the future.

🧠 Final Takeaway

If you’re a creator, not much changes—unless you own a business or qualify for certain credits. But now is a great time to make sure your tax structure (like an LLC or S Corp) is working for you.