A New Tax Hack for Charitable Giving


Susan's Scoop

When Should You Donate? A 2025–2026 Tax Timing Hack

I hope everyone who celebrates is enjoying a cozy and restful Thanksgiving!

My older son is home from school for the first time in three months, and I’m so grateful to have our family feeling “complete” again. I’m also celebrating a big professional milestone - I passed my final Enrolled Agent certification exam, which means I can now support clients with more advanced tax strategy and represent them directly in front of the IRS. 🙌

If you’re anything like me, this time of year brings two things: gift-buying chaos and the sudden realization that you’re behind on charitable donations you meant to make months ago. End-of-year giving always seems to pile on top of everything else.

But this year, because of the new tax bill (OBBBA), it’s worth rethinking when you donate.

Under current rules, if you take the standard deduction, you don’t get any extra deduction for charitable giving. But starting in 2026, standard-deduction filers will be eligible for up to a $1,000 charitable deduction (single) or $2,000 (married filing jointly) on top of the standard deduction.

However, if you itemize, OBBBA reduces the amount of charitable giving you’ll be allowed to deduct starting in 2026.

What does this mean for you?

If you take the standard deduction:
You may want to delay some charitable contributions until early 2026, when you can actually use the new deduction.

If you itemize:
You may want to accelerate charitable giving into late 2025, so you can deduct more of it before the new limits kick in.

Want to Dive Deeper? Join Us Next Week.

We’re covering this donation-timing hack - and other powerful year-end tax moves like SALT bundling and Roth conversions - at next week’s FREE Wealth Wednesday webinar on December 3rd at 1pm CT!

I’ll also walk through three case studies showing how real people earn six figures and still pay next to nothing in taxes. If lowering your tax bill is on your 2025 wish list, you definitely don’t want to miss this one.

Past attendees have told us these sessions have truly changed their lives - and helped them save tens of thousands of dollars every year.

We hope you have a wonderful and relaxing Thanksgiving! 🦃


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