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One Big Beautiful Bill: What it Really Means for your Wallet
In this episode of The Future of Finance, Marissa Wood welcomes policy expert and financial advisor Todd Manternach to break down what’s being called “The One Big Beautiful Bill”—and why it could have a serious impact on your finances.
They unpack changes in tax policy, new savings opportunities, how the bill impacts different generations (from Gen Z to Boomers), and why this could be the best time to rethink your strategy on Roth conversions, 529 plans, and Social Security.
If you've ever wondered how legislation really affects your wallet, this is the episode to watch.
⏱ Timestamps:00:00 – Intro: What is "The One Big Beautiful Bill"?
01:00 – Meet Todd Manternach: 30+ Years of Financial Wisdom
02:00 – Plain-English Breakdown: What This Bill Actually Does
03:30 – Why the 2017 Tax Cuts Needed to Be Extended
04:50 – How This Impacts Taxes, Childcare, Healthcare & Student Loans
06:00 – What Families with Children Can Expect to Save
06:45 – Do You Need to Do Anything to Get These Tax Breaks?
07:15 – Generation-Specific Strategies: Gen Z, Millennials, and More
09:30 – Real-Life Impact: How One Client's Overtime Just Got More Valuable
11:10 – Social Security & Taxes: What's Changing and What’s Not
13:00 – The “Trump Accounts” (aka New Child Investment Accounts) Explained
15:30 – 529 Plans: New Rules, New Flexibility
17:00 – What Is a Roth IRA & Why the Government Limits It
18:30 – Roth Conversions for Gen Xers: The Sweet Spot
22:30 – The Rule of 72: How to Estimate When Your Money Doubles
24:45 – Tax Breaks on Cars Made in the USA
26:00 – Will This Bill Narrow or Widen the Wealth Gap?
27:15 – Biggest Myths About the Bill—Debunked
30:00 – Final Thoughts: Generational Wealth Starts with Legislation
31:30 – How to Connect with Todd or Union Financial Services
📌 Mentioned in This Episode:
✔️ Roth IRAs & Roth Conversions
✔️ Trump Accounts (working title)
✔️ 529 Plan to Roth IRA rollover
✔️ Rule of 72: Doubling your money
✔️ USA-made EV tax incentives
🎯 Ready to get clarity on your plan?
📅 Schedule your free consultation today at https://union-financial.com
💬 Drop a comment below:
What’s one change from the bill you’re most excited (or confused) about?
👍 Like, subscribe, and hit the bell to stay up to date with smart financial conversations—built for real life.
View all episodes
By Marissa WoodIn this episode of The Future of Finance, Marissa Wood welcomes policy expert and financial advisor Todd Manternach to break down what’s being called “The One Big Beautiful Bill”—and why it could have a serious impact on your finances.
They unpack changes in tax policy, new savings opportunities, how the bill impacts different generations (from Gen Z to Boomers), and why this could be the best time to rethink your strategy on Roth conversions, 529 plans, and Social Security.
If you've ever wondered how legislation really affects your wallet, this is the episode to watch.
⏱ Timestamps:00:00 – Intro: What is "The One Big Beautiful Bill"?
01:00 – Meet Todd Manternach: 30+ Years of Financial Wisdom
02:00 – Plain-English Breakdown: What This Bill Actually Does
03:30 – Why the 2017 Tax Cuts Needed to Be Extended
04:50 – How This Impacts Taxes, Childcare, Healthcare & Student Loans
06:00 – What Families with Children Can Expect to Save
06:45 – Do You Need to Do Anything to Get These Tax Breaks?
07:15 – Generation-Specific Strategies: Gen Z, Millennials, and More
09:30 – Real-Life Impact: How One Client's Overtime Just Got More Valuable
11:10 – Social Security & Taxes: What's Changing and What’s Not
13:00 – The “Trump Accounts” (aka New Child Investment Accounts) Explained
15:30 – 529 Plans: New Rules, New Flexibility
17:00 – What Is a Roth IRA & Why the Government Limits It
18:30 – Roth Conversions for Gen Xers: The Sweet Spot
22:30 – The Rule of 72: How to Estimate When Your Money Doubles
24:45 – Tax Breaks on Cars Made in the USA
26:00 – Will This Bill Narrow or Widen the Wealth Gap?
27:15 – Biggest Myths About the Bill—Debunked
30:00 – Final Thoughts: Generational Wealth Starts with Legislation
31:30 – How to Connect with Todd or Union Financial Services
📌 Mentioned in This Episode:
✔️ Roth IRAs & Roth Conversions
✔️ Trump Accounts (working title)
✔️ 529 Plan to Roth IRA rollover
✔️ Rule of 72: Doubling your money
✔️ USA-made EV tax incentives
🎯 Ready to get clarity on your plan?
📅 Schedule your free consultation today at https://union-financial.com
💬 Drop a comment below:
What’s one change from the bill you’re most excited (or confused) about?
👍 Like, subscribe, and hit the bell to stay up to date with smart financial conversations—built for real life.