During a recent episode of “The Ramsey Show,” personal finance expert Dave Ramsey and co-host George Kamel broke down President Donald Trump‘s newly passed legislation, dubbed the “One Big Beautiful Bill Act.” Their verdict? It’s mostly minor tax tweaks dressed up in bold branding.

Ramsey: ‘Quit Waiting On The White House To Fix Your House’

“There’s no big beautiful thing in here,” Ramsey said. “It’s a bunch of nickel and dime stuff.” While some provisions might help everyday Americans, Ramsey was straightforward: personal finance still comes down to individual responsibility. “Quit waiting on the White House to fix your house,” he said.

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One of the biggest wins, according to the hosts, is that the 2017 tax cuts were made permanent. Most Americans—around 90%—take the standard deduction, and this move keeps taxes simpler and lower for them. “It keeps you from having to pay federal income tax for a whole bunch of you at all just because you get this huge standard deduction,” Ramsey said.

Tax Breaks On Tips, Overtime And More

Temporary deductions for tips and overtime are also part of the bill, running from 2025 to 2028. Workers can deduct up to $25,000 in tips and $12,500 in overtime income, with higher limits for couples. But those benefits phase out for individuals earning more than $150,000 or couples over $300,000. “That’s still a few thousand bucks for most people that work on tips,” Kamel noted.

Ramsey also highlighted a one-time $1,000 “Trump Account” for babies born between 2025 and 2028. It’s held by the Treasury and has usage restrictions. “It’s just a thousand bucks,” Ramsey said. “I’m not sure how they’re investing it. I’m not sure how much control you’ll have,” Kamel added.

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EV Credits Gone, Car Loan Perks For Debtors Only

The bill ends the $7,500 tax credit for electric vehicles on Sept. 30. “We knew that was coming. We knew Elon was pissed. Everybody’s seen that,” Ramsey joked, referring to Tesla (NASDAQ:TSLA) CEO Elon Musk.

It also removes credits for rooftop solar and other energy-efficient upgrades after 2025. Meanwhile, those who finance new American-made vehicles can now deduct up to $10,000 in loan interest annually. Ramsey pushed back: “Why only let the people who took out debt benefit from this? That’s an odd one.”