Tax Changes in 2024 You NEED to Know | Make Smart Money Decisions in 2024 | Your Rich BFF

[@ryanwilliams989]

The utilization of after-tax money and tax-free growth makes opening a Roth IRA very advantageous. Through a careful guidance of my FA, I did not pay taxes on my withdrawals of $2.86 million when I retired.

[@StellaMaris-lv2uq]

I don't regret the numerous financial mistakes I've made in the past since I've learnt from them. But the biggest one was planning my finances without consulting with a licensed financial counsel.

[@maryHenokNft]

Indeed, I did make use of a financial counselor. As I get closer to retirement, their advice has been really helpful. I thought compound interest on index funds wouldn't be sufficient because I started late. It's amusing how I've done better than colleagues who have more years of investment experience. I've profited more than $886k tax free.

[@BiancaSherly-qt6sb]

@@maryHenokNft Amazing! I hope it's okay to inquire if you're still collaborating with the same fiduciary and how I can get in touch with them?

[@TheresaAnderson-kf5xw]

I am going to look her up, I have about $81k i want to start with, might be small but it's better than nothing though. Since the 08 crash is playing out again.

[@oneillbilder]

These frequent tax code changes are disrupting my long-term investment strategies. Are there ways to structure my investments to be more resilient to potential tax code modifications?

[@Martina-Alan]

I honestly think America needs a completely restructure of their political system. It is just not working. Trump and Biden being elected out of 300 million people to run the country is evidence for that too.

[@DallisonScramosin]

This is why the US should elect more progressive politicians, who know how to manage budgets and give us (yes, pur country's initials literally spell out that pronoun) much better tax credits in return for better public education and better public healthcare. but since these are nonexistent, my husband and I are being guided to finance our retirement and healthcare through a diversified investment portfolioportfolio

[@Pamela.George]

Could you be kind enough with details of your advsor please?

[@DallisonScramosin]

Vivian Jean Wilhelm is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@Pamela.George]

She appears to be a true authority in her profession with over two decades of experience. I looked her up on the internet and skimmed through her site, very professional. already sent her an inquiry hoping for a response soon.

[@Susanhartman.]

Small taxes can affect investment decisions such as whether to choose tax-free municipal bonds over taxable bonds or do a Roth IRA conversion. I’ve been sitting on over $745K equity from a home sale and I want to invest on the stock market, how do I achieve this without being taxed twice?

[@91ScottieP]

There’s more benefit to holding fixed-income assets in tax-deferred retirement accounts as opposed to taxable accounts. If you're not who understands strategies to invest in the market, seek a Financial advisor to guide you.

[@mariaguerrero08]

Well agreed, I'm quite lucky exposed to finance at early age, started job at 19, purchased first home at 28, got married shortly afterwards to raise kids early. Going forward, got laid-off at 40 amid covid '19 outbreak, immediately consulted with an advisor in order to stay afloat and after subsequent investments, I'm barely 25% short of $2m ballpark goal as of today.

[@mikegarvey17]

@@mariaguerrero08who is your advisor please, if you don't mind me asking?

[@mariaguerrero08]

"Izella Annette Anderson" is the licensed advisor I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment

[@ThomasChai05]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@monicalc4656]

As part of our education, let’s remember the IRS does not make any rules. All tax codes and tax laws are made in Congress. The IRS only implements what your Congress has created as law.

[@renees8262]

Treasury / IRS writes the regulations enacting the rules so they do to some extent influence the laws. Additionally they’re making the revenue rulings.

[@MsGoodyTwoShoes]

@@renees8262the regulations are based on the laws passed!

[@moganpalm9387]

That's true, got some refund but still looking forward to invest it sooner.....

[@robertsonfarm1284]

I started investing in the stock market because of dividends. What matters, in my opinion, is that if you invest and earn more money in addition to dividends, you will be able to live off of dividends without selling. It implies that you can pass that on to your children, giving them a head start in life. I've invested over $600k in dividend stocks over the years; I continue to buy more today and will continue to do so until the price lowers even further.

[@nicoleaba6142]

It's always inspiring to hear from a veteran investor who has weathered the storm and come out on top. When your portfolio turns from green to red, it might be unsettling, but if you have invested in great companies, you should just keep adding to them and stick with your plan.

[@CharleneCong]

One tip I've found incredibly valuable is to stay proactive with tax planning throughout the year, rather than scrambling during tax season. By staying informed and making strategic adjustments along the way, we can optimize our financial strategies and keep more money in our pockets. Greate video!

[@Jersderakerguoe]

We Are in Unchartered Financial Waters! every day we encounter challenges that have become the new standard. Although we previously perceived it as a crisis, we now acknowledge it as the new normal and must adapt accordingly. Given the current economic difficulties that the country is experiencing in 2024, how can we enhance our earnings during this period of adjustment? I cannot let my $680,000 savings vanish after putting in so much effort to accumulate them.

[@RaymondKeen.]

You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst

[@Hectorkante]

Could you possibly recommend a CFA you've consulted with?

[@RaymondKeen.]

My CFA ’Melissa Terri Swayne’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@CraigLloyd-fz6ns]

Thanks for the information!! She appears to be well-knowledgeable and accredited. I ran a Google search on her name and came across his website, thanks for sharing.

[@kimberlychin1996]

I'm a tax accountant and everything you said is FACTS! Great job on explaining!

[@Mizzliz2006]

Hi! I am curious about the last part regarding capital gains which I haven’t yet fully grasped. If I interpreted her correctly at 6:14; she stated that individuals didn’t have to pay any taxes if the capital gains earned was less than $44,625 dollars for 2023. I keep reading that individuals have to pay taxes on capital gains depending on what tax bracket you are currently in. That taxes are based on whether the capital gains are short term vs long term investments and NOT based on the total amount of capital gains earned per year. if someone is on the 24% tax bracket then they would have to pay 15% on their capital gains for long term investments vs 24% if the capital gains were from short term investments. she stated on this video that there would be no taxes on capital gains if the total amount earned is less than $44,625 dollars for 2023? Is that true? Just want to make sure I understood this part correctly. Thanks.

[@kimberlychin1996]

@@Mizzliz2006 so you don’t have to pay any taxes if you ONLY had capital gains up to $44,625. So let’s say in 2023, you don’t have a job but you cashed out your stocks and the long term capital gains = 44,625. No tax on that. If you’re making money at a job and made say 20k, then your 20k from your job is taxed at 10%/12% whatever tax bracket, next long term cap gains of 24,265 is taxed at 0% and next 20k of LTCG is taxed at 15%. So yes, you are right. You do have to pay taxes of 15% on LTCG if you’re in the 24% tax bracket. That’s why it’s beneficial for people to hold onto their cap gain earnings until they’re in semi-retirement (aka when Vivian Tu hits her FU number, she stops working and just takes money out of her stocks, thus only paying 0% in taxes on the first 44k, 15% on the next bracket, and so on). I would check out nerdwallet. They have a great calculation.

[@zachcollins1934]

These people don’t know what they are talking about. Your income absolutely has an impact. Do not subscribe to this false information!

[@kimberlychin1996]

@@zachcollins1934 I gave a more nuanced response to the other commentor who replied to me. Sure, Viv didn’t go into details but she isn’t wrong that 44k of LT Cap gains will have 0 tax.

[@TheChungKids]

​@@Mizzliz2006​no tax on long-term captial gains if your TOTAL income for the year (not just your investments) is under $47,206. If your TOTAL annual income is between $47,206 to $518,900, then you pay 15% for long-term capital gains. For short-term capital gains, you are taxed at your regular tax bracket, but at least you don't pay social security or Medicare tax on the investments.

[@annemariesmith5459]

I bought my 23 year old daughter your book and she's enjoying it very much. I think the greatest gift we can give our children right now is that of understanding wealth building habits Thank you!

[@jessica3218]

I’m 23 too and I bought the book for myself.

[@rubiirae]

So you had 23 years to teach your daughter on financial literacy but you didn't do it, got it

[@annemariesmith5459]

​@rubiirae nice manners..we didn't have the internet back in the day.

[@FLOODOFSINS]

​@@rubiiraeshe had to wait all this time for a kid to learn finance and then go to college only to become a KZbinr to write a book to sell to her. Makes total sense to me. I get all of my greatest advice from tiktokers and KZbinrs. It's also the same reason why I probably will die early from getting covid because of all of the great advice I got from KZbinrs. Doesn't every kid grow up and say I want to be a Lyft driver when I grow up? Of course not they say I'm going to be an entrepreneur in a sub contractor. Every parent puts their kid in front of a screen so they can be brainwashed by people like Gary vee and all of the other kids who tell them to buy their course and collect their affiliate link.

[@FLOODOFSINS]

​@@annemariesmith5459I understand... Booksmart invented in your day.

[@expandingpossibilities]

My daughter just saw you at her college in Chicago yesterday. You are changing lives Viv! I bought your book during the holidays and told her about you and it made my week when she told me she saw you IN PERSON. Thank you for all that you do and being my young rich BFF! You inspire the young and old.

[@brooms4142]

I’m 52 hoping to end the rat race by 60 with $1M. I know money is a liability to be exchanged for assets with real value like real estate (properties for rent) stocks (dividends) bonds (interest) But, what is it with bitcoin? I hear a lot about it and I'd love to diversify my portfolio.

[@fromthebirchwood]

bitcoin does not pay any yield but will reward you with growth that you can't find in any other asset class

[@heatherholdings]

look at the charts, bitcoin has outperformed every stock and banking product ever developed even after multiple pullbacks over the last decade. not a financial advisor but I know what i'm saying

[@bukki07]

thankfully came across the consulting page of Katherine Nance Dietz just after inputting her full name on the web, it was easy to schedule a call session with her and i'm super impressed with her resumé

[@HillaryWalsh]

$1M isn’t going to go as far as you think it will- especially with the high likelihood you will like until you are in your high nineties. $1M today will not be worth the same years from now. I understand you want to retire early but with rising costs, etc. I would encourage you to work a few years longer.

[@BrigetteWaltershield]

The BIGGEST LIE You've Been Told About Money is that it doesn't grow on TREES!! 😆

[@CamdenVanderlaan]

I agree with you!! Money actually grow on trees but only on trees that was planted by you!! These tress are referred to as investments. How you diversify your investment portfolio matters

[@vulpixelful]

So that's why I got extra in my check. Gonna use it for extra paydown of my higher interest student loans this year 👍🏾

[@thatsmyjam6065]

I appreciate how simple you made your explanations, especially when dealing with such a complex subject.

[@CeeKay-ry1fp]

Thank you for the motivation dear. I'm glad that you are finding success. I can feel myself getting closer every day. I've conquered my bad habits, over leveraging, revenge trading, etc. I've found my edge. Now, I'm starting to see consistency. Consistency is KEY, the money will come, don't rush the process. I'm starting to believe in myself more. Anyone on this journey, believe in yourself, never ever doubt yourself. I've struggled with self-doubt, but the more you keep at it, you will ONLY get better. God bless.

[@ttthecat]

It amazes me how you make this understandable!

[@ashleym6765]

Saw no change in my checks because my health insurance went up 😢

[@PsychoClown3]

Can you make a video how to find or interview a CPA firm? What are good qs to ask what to avoid, etc..

[@arlenesolis024]

So good to see you again. Where have you been??? I need my money bff.

[@Gutierrez110211]

just ordered it for me and my wife thank you.

[@poolmilethirty2859]

Thanks for the info. I thought you were going to mention the tax bracket changes for joint filing couples next.

[@amansilla28]

Thank you for sharing!! Can't wait to dig into your book... I ordered 4, one for myself and my husband and one for each of my children! Thank you

[@Jane-yj1to]

I loved this video, taxes are boring so thank you for making it easy to digest.

[@francescorrea7094]

Great video. You need to update the graphic that shows $35,000 instead of $30,500 for max 401K Contribution for >50

[@Mark-yo5ue]

Correct, the graphic is incorrect and I thought I heard her say 35,000 but his could have been influenced by looking at the graphic when she spoke.

[@andyl9920]

Y does it matter. Who has that kind of money to put away each year anyway. Maybe if ur making 6 figures and up

[@MrDoughboy1995]

Thank you for the awesome update. I wanted to clarify the maximum 401K contribution for 50+. You stated up to $30,500 but the text stated $35,000.

[@iyeshaluker23]

I noticed she said the correct amount but the graphic had the wrong one.

[@MartinisnOlives]

I noticed that as well. Which is correct?

[@iyeshaluker23]

@@MartinisnOlives $30,500

[@esgee2464]

30,500 is the correct amount.

[@MartinisnOlives]

@@esgee2464 Thank you.

[@duckiez71]

Capital gains tax brackets are based on your taxable income, not just your investment income.

[@bobbyw1074]

Does that mean it’s my income plus the capital gains? If I’m under $44k I won’t be taxed?

[@jens-e5t]

@@bobbyw1074yes its your total taxable income. That includes salary, capital gains, ordinary dividends etc.

[@zachcollins1934]

It’s means she is a moron and needs to correct her video. Your income does have an impact look it up and never trust anyone on KZbin!

[@janewright315]

Your taxable income will include income from those gains though ​@@bobbyw1074

[@thanhvuong4816]

Yes. @@bobbyw1074

[@mikefeir]

Your statement at 6:10 is misleading. You would only not pay taxes if that capital gains income was your only income of the year.

[@kay-no]

You are bringing money to THE PEOPLE !!!!

[@tduck828]

Thank you for this and breakin it down for us! Love you!!

[@lilkittymeow517]

Thank you for breaking this down. Your videos and advice are so helpful! ❤

[@josephinebardot8403]

I like your video presentation. It is informative too, at the same time. Thanks a lot for your guidance!

[@shawnpellegrin8847]

Hi - Love your videos! FYI .. at 4:10, you have a discrepancy in your numbers ($30,500 and $35,000) ...

[@lijon296]

Kindly discuss the financial impacts of project 2025 on the average person poor person, women and women of color

[@michaelqiu3534]

Maybe you should mention that the capital gains that you referring to are for long term capital gains! Short term capital gains are not taxed at those rates (i.e. stcg are taxed at ordinary income rates)

[@gnotegina9628]

I LOVE your content! Thank you so much for the detailed and useful information. Please do a video on stimulus checks since there seems to be so many scams about it now, no one knows what's the trust anymore!

[@maheedharreddy9961]

Wow! great content as always. I didn't know about that tax bracket on investment gains for

[@BellaF2024]

Just purchased your book online. So excited 🎉🎉🎉

[@Joyloveslux]

Im loving you VCA collection 👌🏼

[@alialehman]

I got approved Nd paid $80,000 my tax Refund was a success

[@alialehman]

@MartinezSoledarOntelegraphthank you for helping me out with your method my taxes went straight

[@k4u260]

Hey. I ask one question about your Book name. What is standsfor Rich "AF". What is "AF" mean. Please give me this Answer. I hope you will be well. Best wishes

[@rickhobby4180]

Should whole life insurance be part of your investment portfolio ?

[@MightyMigi]

I did the math 500 for 40 years with 8% interest equals 121,136. Usd

[@oliviayvette]

Just ordered your book. So excited for it ❤

[@TheBeastZoe14]

Thank you this was definitely an informative video my rich bff 💪🏽🙏🏽

[@aricwaters534]

Hi, the Home owner insurance and auto insurance keep jumping year after year. Any advice? How about neighbour hood do together for a group pricing?

[@ashleyduckworthyt3224]

Your book?!? I’m getting this now

[@moonbowartshandknits]

Good info, hard to watch due to video zooming in and out at random times, I get car sick easily😂

[@sbwielder5192]

Thank you for the income tax bracket shift info!

[@kelsosworld]

I got a little more in paystub but none of my friends did!

[@ahn2ken81]

this will be for next year’s filing

[@elass7325]

Does investment gains include money earned from dividends or money earned from interest on savings accounts?

[@auzkhan]

6:16 i don’t think the limit for maximum earned income for 0 capital gains applies only to investment income, but total taxable income.

[@sbodi]

Question - I see that you aren’t taxed on capital gains for amounts less than $47,026 in 2024. But don’t the sales of investments contribute to your income? Wouldn’t this potentially put you into a higher tax bracket?

[@JustfishNascar]

interesting to hear abou the capital gains changes. I'm curious if those were in place before 2023?

[@jagodah1130]

thank you!- you are big help for us❤

[@christianrutyna6034]

There is a typo in your video. The text shows that the 401K contribution limit for those over age 50 is $35,000 while the narrative and actual IRS limit for those over 50 is $30,500. Other than that, great content!!

[@xpsxps1339]

Hi Vivian, I know time is money, lol, but could you pls, consider doing your tours like at least 2 day's events in the future? Mi was sold out so quickly, I hadn't had a chance to get a ticket.

[@bobbyw1074]

Wait I don’t need to pay taxes if I made 40k in stocks is that what your saying?

[@sasukesuite1]

My tax liability went down by $600. Whoop dee doo lol.

[@MichelinaArtist]

If i have a single member LLC and am looking into a Roth IRA, would that go under my personal self? Or my business?

[@rickybishop8388]

*I enjoyed this content so much. I recently had a conversation like this with a friend and I told him to try and diversify hit flow and not have the money sitting down. He was considering real estate as the example Grant mentioned but I told him to try out the financial market. Stocks like Nvidia, Apple, and some EV stocks were good picks especially on the long run. Who trades the financial market?*

[@malone7655]

Angela Mae concept is key in beating all odds to excel in this form of online commodity. Her management team is quite impressive so far, with SUK making a profit of over 28,863 dollars every single week.

[@roslinecatty8389]

Such information we don't it get from most KZbinrs, I am getting in touch with her right away

[@CameronFussner]

Because ROTH IRAs are tax-free, you'll be able to keep more of the money you've worked so hard to earn.I want to invest more than $300k, but I'm not sure how to go.

[@fadhshf]

Holding fixed-income assets in tax-deferred retirement funds as opposed to taxable accounts has additional advantages. If you don't know how to invest in the market, get some advice from a financial counselor.

[@hasede-lg9hj]

I totally agree, I'm 60 and newly retired with about $730K outside retirement funds, no debt, and very small dollars in retirement funds compared to my portfolio balance over the past 3 years till date. tbh, the role of an advisor can only be overlooked, not denied. just have to do your research in finding a reputable one.

[@lowcostfresh2266]

@@hasede-lg9hj Could you kindly elaborate on the advisor's background and qualifications?

[@hasede-lg9hj]

The advisor that guides me is Vivian Carol Gioia, most likely the internet is where to find her basic info, just search her name. She's established.

[@leojack9090]

Thank you so much for this tip! Finding your coach was a breeze and I was really impressed with all the research I did on her credentials before scheduling a call. It's clear from her résumé that she's extremely knowledgeable and skilled, and I'm so excited to have the chance to talk to her!

[@FrankLopez-nw7df]

What if I'm a Union worker? And I could text my union dues in my My mileage this year?

[@Moonpiebye]

The problem is just that taxes,

[@aberboy11]

At 4:10 minutes into your video you said $30,500 but what you showed on screen is $35,000. Which one is it?

[@Im_AshParker]

I think i started an index fund but how do I know if I set up a diversified portfolio?

[@TheChungKids]

Index funds are great for long term investments. Just make sure you're investing in low cost funds. If you're young and around 30 years away from retirement, you could just choose something like the Fidelity or Vanguard's S&P 500 and not worry about it. I would recommend investing at least the match amount for your employer's 401k/403b, but if your employer doesn't match, try to max out your Roth IRA before putting money into your 401k.

[@TheChungKids]

Also, if you do not want feel comfortable with converting a portion of your investments into bonds etc as you get closer to retirement, you could choose a 'target date fund' that does all of the management for you, but you would lose out on the additional growth that you would get from investing long term into something like the S&P 500.

[@arte7sol]

Question, would the max contributed into the 401k include the % given by my employer?

[@GMANN83]

Just came upon your announcement about a book tour in San Francisco Bay area But i'm too late already sold out.

[@ccagle17922]

Some comments are not exactly accurate. If you need or want tax advice, get a CPA or tax attorney, not an internet influencer.

[@angelfares88]

What about long term capital gains tax?

[@PeterOram]

Since you've over in Miami - do you think you could make it over to Tampa for a book tour event?

[@MaritsaDarman]

First off people have to have the money to contribute.., steps in single parents with children and high rents

[@TheChungKids]

Unfortunately, short-term capital gains tax is still at your normal tax bracket. If you want to benefit from the lower tax rates for long-term capital gains, you need to hold the investment for at least one year. Ie, I make a few hundred dollars a month on the side trading options contracts, but this is taxed at my normal tax bracket. I recently sold some stocks and index funds that i had for over 1 year, so I only paid 15% on those capital gains.

[@robertmclean6629]

American tax payers should group together and withhold all tax payments until our demands are met: 1: Abolishment of the current reporting systems utilized. All numbers are transparently displayed 2: Employers face Federal prison for not sending appropriate tax documentation via certified mail. 3: A three way digital authentication system between workers, employers, and the IRS. 4: Forgiving payment plans for tax payers to pay their tax burden. 5: Peoples and organizations with incomes greater than $300,000.00 USD paying larger tax burdens.

[@helloimtokki]

The lighting makes it look like you have anime eyes 🥺

[@deborahdaheelee]

Can you start making examples of middle aged people and their financial situation if it was invested at “x age” instead of always referring to younger 20 yro’s. It’s a little offsettling and unrelatable for us middle aged ppl bc that time is forever gone.

[@johannab7715]

Well I make 85k so no changes for me as far as the brackets I guess ☹️

[@dennex911]

Is it $35,000 or $30,500 for age 50 and above?

[@gloriafranklin4362]

the 2024 401K with catch up will be 30,500

[@lunchmoneyprofits]

What are your thoughts on Bankruptcy

[@nickyLukes20]

Haha I’m a guy but I love finance. Also been following your channel on FB for awhile. Heavy in BTC this year. What’s your thoughts on crypto ?

[@samknows86]

Wait so when I buy $500 of stock and sell it for 20% profit I don’t have to pay taxes on that ?

[@alexlai6302]

Great info, but I think the capital gains tax info isn't totally correct. I believe the brackets you listed are in regard to your taxable income, which determines the tax rate for your capital gains. For the average person, if you earn $44,626-$492,300, you would pay a 15% tax on your long-term capital gains. If you earned $100,000 from your job and made $40,000 in capital gains, you would pay 15% on that entire $40K, which is $6,750. The progressive tax rate scenario for capital gains you explained only applies to certain combinations of capital gains and income brackets, such as low income + very large gains or when you are on the cusp of the income brackets. Could you look into this more? Thank you, and love your videos!

[@tammyng2466]

No tax on investment

[@IceyIcey2023]

I luvvv the name of your channel and vibe🥰 you must be an Aries ♈️

[@kandiblick3822]

Thank you!❤

[@catiemarz4206]

Redeem in Lawful Money

[@dongshuowu3454]

Another smart decision is to go on dates 6x a week to save on food

[@beautifulmess2023]

Hey, are you feeling ok? Don’t mean to mingle in your personal business. I just care 😢Maybe see your doctor for a checkup

[@soniasalinas5917]

I am a nurse and that is My same concern as well. Your eyes are not normal. Please see your doctor soon😢.

[@iamhuman798]

How to do your taxes online 2024?

[@tammiejohnson6140]

Where do I get a Roth IIRA?

[@Leahdizon-w3p]

I took a crash course that cost $2400 (eyebrow micro blading) can I file it ?

[@gardenmedia1701]

...shocked that I understood all of this.

[@danafisher8613]

Does nothing for me I am staying in the same dang on tax bracket because my bracket actually pushed the max up 🙄

[@KA-NV]

I found your channel and after watching this video, l subscribed to it as l know the content you provide is great. A question l have for the capital gains. You mentioned if made less than $44,625 in profit, no taxes would be paid. Does that include gains in stocks, such as selling options, dividends and interest rates in money?

[@michellechmelev7439]

Idk what to think. I went from like 87 to 92 k and i only saw $150 more dollars or so in my paycheck. I was really disappointed

[@janicep11]

I'm still in the same bracket.😩

[@clubkid1863]

You should come to Atlanta! Please!

[@lalimoreno1]

So helpful. Thank you!

[@robienillosistoso628]

VERIFY information before you believe - income bracket was NOT increased, it’s the personal deduction so people can at least catch up with inflation.

[@roselolagne6642]

What about the child tax credit?