OBBBA 2026 Tax Changes for W2 Workers: Complete Guide
The OBBBA changed taxes for millions of W2 workers. Overtime deduction, no tax on tips, SALT cap $40k, 401k super catch-up, Trump Accounts — all explained with dollar math.
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SALT Deduction Cap 2026: How the OBBBA Raised the Limit to $40,000
The OBBBA raised the SALT cap from $10,000 to $40,000. Homeowners in CA, NY, NJ who itemize can save $4,000–$7,000+ in federal taxes. Here’s who qualifies and how to claim it.
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401(k) Contribution Limits 2026: New Catch-Up Rules, Super Catch-Up, and the Mandatory Roth Change
401(k) limits increased to $24,500 in 2026. But the bigger story is the mandatory Roth catch-up rule for workers 50+ earning over $150k. Here’s exactly what changed and what to do.
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No Tax on Tips 2026: How the OBBBA Tip Income Deduction Works
The OBBBA “no tax on tips” provision lets tipped workers deduct up to $25,000 of qualified tip income. Here’s who qualifies, what tips count, and how to claim it.
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No Tax on Overtime 2026: What the OBBBA Overtime Deduction Actually Means for W-2 Workers
The OBBBA “no tax on overtime” provision is real — but it’s a deduction, not a withholding exemption. Here’s exactly how much you can save, who qualifies, and what to do now.
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Trump Accounts (530A): What Box 12 Code TA on Your W-2 Actually Means
Your W-2 now has a Box 12 Code TA? Here’s what it means — Trump accounts are children’s 530A savings accounts, not a new adult retirement vehicle. What they are, what they’re not, and whether they’re worth it.
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Did You Maximize the Overtime Deduction? Why 20 Million Americans Are Leaving Money on the Table
25% of W-2 earners (~20 million) claimed the new OBBBA overtime deduction this filing season. But most are still leaving money on the table by waiting for the refund instead of updating their 2026 W-4. Maya Chen walks through the math, the W-4 mechanics, and the four common mistakes.
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The Complete W2 Tax Reduction Playbook (2026)
The 7-step playbook for W2 employees to legally cut their tax bill: HSA, 401(k), Backdoor Roth, Mega Backdoor, taxable brokerage, and tax-loss harvesting – with the math and the order of operations.
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The 0% Capital Gains Rate: How Early Retirees and Low-Income Years Pay Zero Tax on Investments
The IRS offers a 0% federal capital gains rate to investors below certain income thresholds. For early retirees and those in low-income years, this is one of the most powerful tax strategies available.
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How Index Funds Quietly Reduce Your Tax Bill Every Year (And Why Actively Managed Funds Don’t)
Index funds have a hidden tax advantage that most investors never consider. Here’s how the structure of passive funds quietly saves you money every year — and what it costs you to invest in actively managed alternatives.