The House officially passed the One Big Beautiful Bill Act—so today, we’re diving into what actually made it into the bill. If you listened to our earlier episode, you know we were taking some educated guesses, but now we’ve got real answers.

This bill is packed with changes—some extensions, some brand-new provisions—and while it’s not law yet (it still needs to clear the Senate), it’s already shaping major tax and financial planning conversations. So let’s break down what passed and what it could mean for your bottom line.

When it comes to passing on wealth, the traditional approach has been to wait—save everything, then hand it off through a will. But what if the most meaningful impact happens before that moment?

Giving while you're still here—intentionally, strategically—lets you see the effect of your support, guide the outcomes, and build deeper alignment with your values. In this episode, we explore why earlier is often better, and how giving now doesn’t just transfer wealth—it multiplies its purpose.

We all know the Roth IRA is a powerful tool for setting our kids up financially, especially when they’re earning early and you can stash away a few thousand dollars for decades of tax-free growth. But what happens when your child hits that in-between stage—say, age 19 to 25—still on your health insurance but no longer a tax dependent?

That’s where the HSA strategy kicks in, offering a surprisingly overlooked second phase of long-term wealth building. In this episode, we explore how to leverage this window to give your child a tax-free healthcare fund that could quietly grow into hundreds of thousands by retirement.