If Congress doesn’t pass new legislation, the individual tax brackets from the Tax Cuts and Jobs Act (TCJA) will automatically revert to their pre-2018 levels starting in 2026. This means many taxpayers—even those earning middle-class incomes—could face higher federal tax rates. In this video, Kristy Alballero breaks down how the bracket changes would work, who would be affected, and why it’s critical to start planning now. Whether you’re earning $50,000 or $500,000, this is a tax change you need to be aware of.