Deduction, not credit. Big difference.
Still for us, with the standard deduction in 2026 of $32,200 + the $6000 from Trump that's $38,200 when I file our taxes next year that we will pay zero income tax on. I'll sure as hell take it!
2026 is the year we will take some money out of our 401k plans and we will both be getting Social Security in 2026. Mrs. Irish already gets hers and I will be taking mine starting in September. So 2026 should be our highest taxable income year since we retired. The more deductions the better for us. Plus we will get an extra $6000 when she turns 65 in 2028.