The Joy of Democracy

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Latest Episodes:

Money Talk with Cyndie Barone, CFP | Understanding No Tax on Tips and Real-World Impacts Jan 28, 2026

A certified financial planner breaks down one of the most talked-about tax proposals: “No Tax on Tips.” In this episode of The Joy of Democracy with Joy Silver, Cyndie Barone, CFP, explains how the policy actually works, who may benefit, and who could be unintentionally harmed. Listeners learn the critical difference between above-the-line and below-the-line tax adjustments, why employer reporting matters, and what qualifies—or doesn’t qualify—as a tip under federal rules. The conversation highlights how tipped workers, particularly women, may be affected unevenly, and why automatic gratuities and service charges don’t count. The episode also explores potential downsides for low-income workers, including the risk of losing valuable tax credits like the Earned Income Credit. Clear, practical, and grounded in decades of experience, this discussion cuts through political soundbites to reveal the real financial implications taxpayers should understand before celebrating or criticizing the policy.

Takeaways:

“No Tax on Tips” is an above-the-line income adjustment
Above-the-line adjustments reduce adjusted gross income directly
The maximum qualifying amount is $25,000 in tips
Income phaseouts begin at $150,000 for individuals
Only voluntary tips count as qualified tips
Automatic gratuities and service charges are excluded
Employer reporting on W-2s or 1099s is essential
Some low-income workers could lose valuable tax credits

#TheJoyOfDemocracyPodcast #JoySilver #RCDP #RiversideCountyDemocrats #UnitedAmericaNetwork #CyndieBaroneCFP #NoTaxOnTips #FinancialPlanning #TaxPolicy #MoneyTalks #CertifiedFinancialPlanner #TaxEducation #TippedWorkers #WomenAndWork #IRSUpdates #PersonalFinance #TaxReform #EconomicEquity #AboveTheLineDeductions #TaxSeason

Becki Sameroff Robinson | People Power Wins: Boycotts, Protests, Real Change Jan 19, 2026

In this powerful episode of The Joy of Democracy, organizer and longtime educator Becki Sameroff Robinson joins host Joy Silver and breaks down how everyday people successfully fought back against harmful political and corporate actions in their new feature, We Did That! From boycotting Tesla and Target to organizing protests against airlines involved in deportation contracts, she shows how collective action—using our feet, voices, and wallets—creates real consequences. Becki explains how consumer pressure led to falling sales, layoffs, and companies reversing course. She also explores the danger of data misuse, threats to democracy, and attacks on diversity, equity, and inclusion. Turning to higher education, she highlights how major universities refused to give up academic freedom despite federal pressure. Throughout the conversation, listeners learn that protest is not just symbolic—it works. When people organize together, speak out, and make intentional choices about where they spend their money, institutions are forced to listen. This episode is a reminder that democracy depends on participation—and that ordinary people still have extraordinary power to shape the future.

Takeaways:

Collective action through boycotts creates real financial impact
Protests combined with spending choices change corporate behavior
Target and Tesla faced losses after consumer backlash
Airlines tied to deportations lost routes and funding
Data security is a growing democratic concern
DEI attacks threaten equity and inclusion
Universities defended academic freedom
People power still works when united

#TheJoyOfDemocracyPodcast #JoySilver #RCDP #RiversideCountyDemocrats #UnitedAmericaNetwork #BeckiSameroffRobinson #PeoplePower #BoycottForChange #ProtestWorks #DemocracyInAction #VoteWithYourWallet #GrassrootsPower #ActivismMatters #DefendDEI #AcademicFreedom #ConsumerPower #OrganizeForChange #CivicEngagement #ProgressiveVoices #ResistTogether

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