Money & Magic

No Tax on Tips & Overtime? What It Really Means (Plus the New Senior Deduction)

Host Chey, Remote Bookkeeper and Judgment Free Money Coach explains key parts of Trump’s “big, beautiful bill” being asked about during tax season, focusing on how the changes work as deductions that reduce federal taxable income rather than making income tax-free. The episode covers the temporary “no tax on tips” provision for tax years 2025–2028, the  “no tax on overtime” deduction and explains a new additional senior deduction starting in 2025.

01:38 No Tax on Tips Explained
05:20 No Tax on Overtime
07:50 Senior Extra Deduction

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Welcome to the first minisode of Money and Magic, where host Chey, the Remote Bookkeeper and Judgment-Free Money Coach, shares a deeply personal story about her divorce. Chey opens up about the events leading to her decision, citing reasons such as verbal abuse, differences in political views, and marital coercion. She highlights her path to self-discovery and healing, hoping her story helps others in similar situations. A trigger warning is provided for discussions of verbal abuse. Chey's journey is a testament to reclaiming power and loving the freedom that comes with making the hard, yet necessary decisions for a better life.

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Check out my Money Alchemy 101 course HERE

Money and Magic: Life Updates, Divorce, and New Beginnings on Friday the 13th

Chey, Remote Bookkeeper and Judgment Free Money Coach on the latest episode of Money and Magic as she returns after a hiatus with significant life updates. In this episode, released on the symbolic Friday the 13th, Chey shares her journey through divorce, newfound freedom, and exciting developments in her business and personal life. She also teases future episodes that will delve into both familiar and new topics, including the impacts of divorce on finances, small business taxes, investing, and the celebration of mystical events. Tune in to discover how Shai plans to merge the mystical with practical once again, all while sharing personal stories and insights that have shaped her recent experiences.

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Connect with me on Instagram and TikTok @witchybookkeeper

Learn more about how we can work together by visiting my website

Check out my Money Alchemy 101 course HERE

Buy Me a Coffee

Connect with me on Instagram and TikTok @witchybookkeeper

Learn more about how we can work together by visiting my website

Check out my Money Alchemy 101 course HERE

Buy Me a Coffee

Connect with me on Instagram and TikTok @witchybookkeeper

Learn more about how we can work together by visiting my website

Check out my Money Alchemy 101 course HERE

With all of the talk about Tariffs, let's break it down.

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Connect with me on Instagram and TikTok @witchybookkeeper

Learn more about how we can work together by visiting my website

Check out my Money Alchemy 101 course HERE

Join Chey, the WitchyBookeeper, as she chats with the first podcast guest Sheryl Maupin. Sheryl & Chey talk about their new podcast and you get to know a little more about Sheryl!

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Connect with me on Instagram and TikTok @witchybookkeeper

Learn more about how we can work together by visiting my website

Check out my Money Alchemy 101 course HERE

Buy Me a Coffee

Connect with me on Instagram and TikTok @witchybookkeeper

Learn more about how we can work together by visiting my website

Check out my Money Alchemy 101 course HERE

Join Chey, the WitchyBookkeeper, as she dives into the mystical world of the autumn equinox, also known as Mabon. This marks the final Sabbat on the Wheel of the Year and carries the essence of the witches' Thanksgiving. Chey explores the balance of day and night, and how this time of year can help us bring our lives into harmony and reflect on our personal harvests—whether in our gardens, businesses, or relationships. 

Discover the enchanting history and significance of Mabon, learn about the magical properties of the beloved pumpkin spice, and find out how you can celebrate this season through gratitude, sharing, and harvesting. Chey also teases exciting upcoming episodes and a new podcast collaboration focusing on money, emotions, and boundaries. Don’t miss this spellbinding episode filled with practical advice and witchy wisdom to help you navigate your finances with a dash of magic.

Inject some autumnal magic into your life by tuning in and discovering how the traditions of Mabon can enrich your financial journey in the Muggle world!

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Connect with me on Instagram and TikTok @witchybookkeeper

Learn more about how we can work together by visiting my website

Check out my Money Alchemy 101 course HERE

Host Chey, also known as the WitchyBookkeeper, shares her insights on the history and evolution of credit reporting, from its origins in the 1800s to the modern FICO scoring system.

Chey discusses the five key components that make up a credit score: payment history, amounts owed, length of credit history, new credit, and credit mix. She emphasizes the importance of paying bills on time and maintaining a low credit utilization rate to maintain a healthy credit score.

The episode also addresses the inherent racism in the credit scoring system, highlighting how millions of Americans, particularly those from black, Hispanic, and low-income communities, are "credit invisible" due to a lack of credit history. Chey argues that the current system perpetuates a cycle that prevents these individuals from accessing the credit they need to get ahead in life.

Throughout the episode, Chey offers practical tips for building and improving credit scores, such as becoming an authorized user on someone else's credit card or using secured credit cards. She encourages listeners to be patient, as building credit takes time.

This informative episode of "Money & Magic" combines the mystical with the practical, providing listeners with a deeper understanding of credit scores and their impact on personal finances in the United States.

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Connect with me on Instagram and TikTok @witchybookkeeper

Learn more about how we can work together by visiting my website

Check out my Money Alchemy 101 course HERE