Like any other borrower, the U.S. government has two ways to tackle its immense debt burden: increase income or reduce spending. But that doesn't mean the national debt burden won't have an impact on your personal finances in an indirect way. The tax breaks in Trump's 'big beautiful bill' expire after 2028 — and experts say most people won't act in time. On July 9, the Congressional Budget Office (CBO) (1) published a budget review that many American taxpayers might find deeply upsetting. Diversify with fractional real estateSimilarly, real estate can offer hedging against inflation, tax advantages and regular income.