A new tax reform law, known as the "One Big Beautiful Bill," is changing the way Americans donate to charity. One major change is that people who don’t itemize their tax returns can now take a bigger deduction when they give to nonprofits. This means more middle-income families might be encouraged to donate, since they’ll now get more tax benefits than before. This change is happening at a key moment, as many charities are facing high demand and uncertain funding. On the other hand, the bill may lower tax breaks for wealthy donors, which could affect how much they choose to give. Overall, the law aims to make giving easier for more people, while also changing how tax savings work for the rich.

In 2025, fintech (financial technology) apps are playing a big role in how Americans manage their money and make spending decisions. With rising prices, changing job trends, and uncertainty in the economy, many people are turning to these apps to stay on top of their finances. Fintech tools make it easy to budget, save, send money, and even get emergency funds, all from a smartphone. These apps are especially helpful for people who may not have had access to traditional banking or financial advice in the past. As a result, more Americans are taking control of their money, building better habits, and feeling more financially secure.