[Verse 1] When April comes and forms are due Two pathways wait for me and you Standard deduction, simple and clean Or itemize each receipt you've seen Twenty-seven thousand for joint filers Thirteen thousand five for solo riders Pick the bigger number for your case Let the mathematics set the pace [Chorus] Below the line, where choices shine SALT and mortgage, charity's mine Seven point five for medical bills Ten thousand cap on state tax thrills Below the line, these deductions climb If they beat standard, you'll be fine [Verse 2] State and local taxes that you paid Ten thousand dollar limit, TCJA made Property and income, pick your blend But at ten grand, the party ends Mortgage interest on your castle's cost Seven fifty thousand, past that it's lost Acquisition debt from twenty eighteen These are the rules inside the machine [Chorus] Below the line, where choices shine SALT and mortgage, charity's mine Seven point five for medical bills Ten thousand cap on state tax thrills Below the line, these deductions climb If they beat standard, you'll be fine [Bridge] Charity gifts need paper trails Sixty percent of income never fails Medical costs above seven point five Only disasters keep theft loss alive Miscellaneous deductions disappeared Twenty eighteen through twenty twenty-five, they're cleared [Verse 3] Doctors and dentists, when the bills pile high Seven point five percent before you qualify AGI threshold you must exceed Then deduct the excess, plant that seed Qualified charitable distributions flow From IRA to charity, watch it go [Chorus] Below the line, where choices shine SALT and mortgage, charity's mine Seven point five for medical bills Ten thousand cap on state tax thrills Below the line, these deductions climb If they beat standard, you'll be fine [Outro] Calculate both ways, compare the sums Take the larger when April comes Below the line or standard rate Smart taxpayers never leave it to fate
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