What the Big Beautiful Bill Means for Kingdom Entrepreneurs & Investors

Opening Scripture: “The wisdom of the prudent is to give thought to their ways, but the folly of fools is deception.” — Proverbs 14:8

As Kingdom entrepreneurs, we’re not reactive—we’re redemptive. We don’t just analyze fiscal policies; we ask, “How can this moment advance God’s Kingdom through my stewardship?”

This month, the U.S. passed a sweeping economic package known as the One Big Beautiful Bill (OBBB)—a piece of legislation with far-reaching implications. Whether you’re building a business, investing in real estate, managing family wealth, or leading a nonprofit, this bill will shape how we operate in the months and years ahead.

As believers, our response must be both strategic and spiritual.

Let’s break it down.

What Is the Big Beautiful Bill?

Passed on July 4th, 2025, the BBB builds on the 2017 Tax Cuts and Jobs Act. It expands tax deductions, restores key depreciation benefits, and outlines new rules around AI, tech, and clean energy. It’s being hailed as pro-business—but not without long-term risks.

For Kingdom builders, this is more than legislation—it’s a moment of stewardship.

Here’s what you need to know.

Impact on Faith-Driven Entrepreneurs

Pros:

1. Pass-Through Deduction Raised to 23%
If your business is structured as an LLC, S Corp, or sole proprietorship, you can now deduct up to 23% of qualified business income—up from 20%.

Kingdom Insight: This creates margin. Margin to tithe more, give more, invest more, and grow without being stretched thin. Steward that margin wisely.

2. 100% Bonus Depreciation Returns (Through 2026)
You can now deduct the full cost of qualifying assets—like software, equipment, renovations, and improvements—in the year of purchase.

Strategy: This benefits founders scaling their operations. Thinking about new tech or facility upgrades? This is the window.

3. Capital Gains Tax Unchanged
Despite rumors, capital gains rates remain the same—good news if you plan to exit a business, sell real estate, or liquidate investments.

Reflection: “Honor the Lord with your wealth, with the firstfruits of all your crops.” (Proverbs 3:9)

God blesses the exit—but expects us to steward the gain.

Cons:

1. National Deficit Will Soar
With $2.4–$2.8 trillion added to the debt by 2034, the BBB offers short-term relief—but potentially long-term instability.

Wisdom Play: Prepare for policy reversal. Save. Don’t overspend in good years. Build reserves like Joseph in Egypt (Genesis 41).

2. No Direct Relief for Underserved Founders
The bill benefits top-line entrepreneurs, but lacks provisions for underbanked or minority-owned startups.

Kingdom Response: Where the government overlooks, the Church must see. How can your business sow into underserved communities?

Real Estate Investors: Blessing or Blind Spot?

Pros:

1. Full Bonus Depreciation Restored
Investors can fully expense capital improvements—roofs, HVACs, lighting systems, etc.—in the same year they’re made.

Opportunity: If you’re flipping or improving rentals, now is the time to accelerate your upgrades and deduct the cost.

2. 1031 Exchanges Protected
The beloved 1031 exchange lives on, allowing investors to defer capital gains when trading up properties.

“Render unto Caesar what is Caesar’s…” — but steward what God has entrusted for long-term Kingdom return.

3. SALT Cap Raised to $40,000
For investors in states like California or New York, this is significant. The new SALT cap (State and Local Tax deduction) lifts the ceiling from $10K to $40K.

Result: Higher-value deductions. Lower taxable income for high net-worth individuals.

Cons:

1. Inflation & Interest Rate Pressure
Economists warn that this deficit-heavy bill could reignite inflation and raise borrowing costs.

Next Steps: Lock in long-term debt now. If you're holding variable-rate loans, refinance while rates remain relatively low.

2. Clean Energy Investment Setbacks
Tax credits for solar, EVs, and green upgrades were rolled back—especially for components imported from China.

Kingdom Lens: We are still stewards of the earth (Genesis 2:15). Let’s care for creation, even when it’s no longer incentivized.

3. No Affordable Housing Support
Despite a national crisis, no new credits or initiatives were passed for low-income housing development.

Faith-Based Challenge: What can we build together—as churches, nonprofits, and Kingdom-minded builders—to house those who can’t afford the current market?

Tech, AI, & Innovation

Federal Regulation Delayed Until 2030 ✅
The bill pauses most federal AI oversight and limits state restrictions on AI development in grant-receiving states.

Opportunity: Founders in fintech, edtech, healthtech, and automation have five years to build.

Caution: “Everything is permissible—but not everything is beneficial.” (1 Corinthians 10:23)

Not all tech honors God. Build with wisdom.

What Should You Do Now?

1. Audit your business structure: Ensure you’re positioned to receive the 23% deduction. Talk to your CPA.

2. Schedule capital purchases by 2026: Office upgrades? Software? Furnishings? Do it soon.

3. Explore 1031 Exchange strategies: Consider trading low-performing properties for high-cash-flow options.

4. Lock in fixed interest rates: Stability beats speculation. Secure your foundation before the winds shift.

5. Fill the gaps the government won’t: Ask: “What does my city need that I can help build?”

Reflection Questions

• Where is God giving you more margin—and how are you using it?

• Are you building systems that last beyond tax policy changes?

• What area of your industry is underserved—and how can you lead there?

Kingdom Challenge

This week, choose one “stewardship action step”:

1. Review your business entity structure.

2. Make a strategic capital investment before year-end.

3. Pray about one community project your business can support.

Then, ask God to multiply your margin for His mission.

Need Prayer? Let’s Lift It Up Together.

We know that entrepreneurship—and life—can be filled with both mountaintop moments and valley seasons. Whatever you're walking through, you don't have to carry it alone. The Kingdom Investor community is here to pray with you and for you.

Whether you're facing a business challenge, seeking clarity, or simply need encouragement, we would be honored to bring your request before God.

🙏 Submit your prayer request here → Submit Prayer Request

Every request is read and prayed over by our team. You are not alone.

Final Thoughts from Steven

Kingdom investors don’t just follow the market—they follow the Master.

This bill, like every earthly system, will pass. But our mission will not. Whether the laws favor you or challenge you, remember that your identity and authority come from Heaven. We are not at the mercy of policy—we are ambassadors of the King.

Build wisely. Lead boldly. Steward faithfully.

All the best,

The Kingdom Investor

❤️ Enjoyed this newsletter? Share it with your friends and family to spread the message of faith-driven investing and stewardship and our ministry's vision is to create a thriving, faith-driven community where every member can explore, develop, and excel in their financial and professional endeavors.

📢 Post it on your social media to inspire others.

💌 Know someone who would love this content? Forward this to them and invite them to subscribe today so they don’t miss out on future updates and resources!

Join Our Bible Study: “The Narrow Way”

Ready to deepen your walk with Christ while growing in community with other purpose-driven believers?

We’re launching The Narrow Way — a new digital and in-person Bible study group powered by The Kingdom Investor. During the weeks after launch, we will explore Biblical truths, practical wisdom, and faith-filled encouragement designed for entrepreneurs, professionals, and believers hungry for more of God’s presence.

“Enter through the narrow gate. For wide is the gate and broad is the road that leads to destruction, and many enter through it. But small is the gate and narrow the road that leads to life, and only a few find it.” — Matthew 7:13-14

Each session will blend scripture, discussion, prayer, and actionable insights to help you:

• Build your business with integrity

• Walk boldly in your God-given calling

• Align your heart with Kingdom purpose

Join the waitlist today and be the first to receive the schedule, access link, and exclusive resources.

👉 Click here to join the waitlist for The Narrow Way

Let’s walk the road less traveled — together.

Consider supporting The Kingdom Investor! Your generous giving helps us to continue offering free education, mentorship, and resources to believers seeking to align their financial lives with God’s purpose. Giving is a privilege, and it feels so good. It's hardwired in our DNA. God bless you.

CashApp: $4thekingdominvestor // Click the link to give via PayPal/Venmo

Disclaimer: This newsletter is for informational purposes only and does not constitute financial advice. Please consult a licensed financial advisor before making any investment decisions.