Can you point me to anything that says tax law changed in the middle of 2018?

You can lead a horse to water...

“not having a ton/anything left over for fun extra type shit or nothing left over to actually build a savings”

“Of course it can’t make it cheaper for every single individual in the nation, that is simply not how insurance works.”

Since everything is relative and people refuse to have an honest discussion I’m going to go live in Monaco so I can be poor too.

We do not know whether it would change because the bill’s creator omitted the part that would have provided that information to us.

TCJA was a federal level personal and corporate income tax cut. I’m not sure what social security, state, or local taxes have to do with it.

Your point?

It probably only works out for low wage employers. It’d be a huge win for businesses where healthcare costs account for a significant portion of the compensation equation. Even at $15/hour and ~31k/year the 7% payroll tax (~2k) is likely much, much, cheaper than needing to purchase healthcare coverage in the open…

The lower half of the middle class has, on average, negative or near zero federal income tax liability. No one with no liability or negative liability deserves any sort of cut.

“Whatever happened to the States’ Rights and Small Localized Government talking points of the conservative movement? Shouldn’t they be promoting localities making decisions that suit their communities best?”

“You are living a lifestyle that no rich person even 40 years ago could have had and you have far more luxuries than even Rockefeller had.”

Cars are not at all an analogue for Vimes’ boots. Cars are money pits. Period. There’s a reason the “financial gurus” are constantly telling people to buy the inexpensive, used, car in cash. The cheap beater you bought that you think is always acting up and setting you back isn’t. It’s letting you off far easier than…

It’s what happens when people decide that things need to be accessible to everyone with no respect for the consequences. Our finance industry didn’t always offer credit to anyone with a pulse. A sub-prime rating used to get a “Well, there’s the exit” response rather than “Umm, well..., maybe we can do this at 29%.”

“It’s isolating”

“If your income isn’t equal or greater than your expenses through no fault of your own, you are always teetering on the razor’s edge of financial abyss.”

Doesn’t something have to be dead and/or gone before you memorialize it? White supremacy in America has never been dead/gone or in need of memorialization because white people have never seen fit to do anything serious about it. Benefits are too nice I suppose.

Private companies can have external investors too...

If that Ford email qualifies as harsh I understand why it’s so damn hard to get executives to be honest and why by the time they give any hint that something is a problem it’s already beyond repair.

How much is that worth to you? Exactly how much are you willing to spend to get that?