总结大美丽法对家庭收入过40W的影响,Trump’s new “One Big, Beautiful B； 这个不是历史

Here’s the scoop on how Trump’s new “One Big, Beautiful Bill” (OBBBA) would affect families earning over $400K annually:

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Primary Winners: High-Earning Households

1. Permanent Tax Cuts for High Incomes

• Extends Trump-era tax rates permanently, preserving the 37% top bracket for incomes over $400K theguardian.com+7en.wikipedia.org+7apnews.com+7theguardian.com.

• Tax foundation data suggests households earning over $663K receive the largest absolute gains .

2. Expanded SALT Deduction Cap

• Raises the state local tax deduction cap from $10K to $40K (phased up to $44K) for incomes under $500K marketwatch.com+3en.wikipedia.org+3washingtonpost.com+3.

• This reduces federal taxable income for high earners in high-tax states.

3. Increased Pass-Through Deduction

• Boosts the pass-through business income deduction (e.g., LLCs, S-corps) from 20%?→?23%, favoring business owners earning over $400K theguardian.com+15washingtonpost.com+15marketwatch.com+15.

4. Extended Child Tax Credit Standard Deduction

• Child tax credit increased to $2,500 per child (later adjusted to $2,200 in the Senate version) washingtonpost.com+1en.wikipedia.org+1.

• Standard deduction permanently raised to $32K–$31.5K for married couples waysandmeans.house.gov.

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? Downsides for High Earners (?$400K)

1. Massive Federal Deficit

• The bill adds $2.4–$3.4 trillion to the deficit over a decade, increasing debt burden theguardian.com+1nypost.com+1.

• Future backlash could threaten tax-cut permanence.

2. Rollback of Green-Energy Tax Credits

• Reverses many of Biden-era clean-energy incentives, affecting families investing in EVs, solar, or home energy upgrades waysandmeans.house.gov+15apnews.com+15barrons.com+15washingtonpost.com+4apnews.com+4reuters.com+4.

• High earners in green-heavy states lose these benefits.

? 3. Safety-Net Cuts—Indirect Impact

• Deep cuts to Medicaid and SNAP may hit dual-income medical households or families relying partly on assistance reuters.com+1gov.ca.gov+1washingtonpost.com.

• Reduced public services in education, healthcare may raise out-of-pocket costs—even for wealthy families in high-tax regions.

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Summary for Families ?$400K

Benefit	Impact
Income tax	Substantial cut, high earners gain most
SALT deduction	Major relief in high-tax states
Pass-through deduction	Boosted for entrepreneurs
Child standard deduction	Expanded credits and higher deduction
Green-energy credits	Reduced eligibility/incentives
Deficit risks	? Potential future tax rollbacks
Safety-net cuts	Indirect financial pressure via service cuts

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Bottom Line

If you earn over $400K, this bill likely lowers your federal tax bill significantly, especially if you're a business owner or reside in high-tax states. But be aware of reduced green-energy incentives, potential future tax rollbacks due to rising deficits, and indirect effects from social safety-net cuts.

Would you like a state-specific breakdown (e.g., California vs. Texas), or a deep dive into how your business income or family size might factor in?