Core Insights - The 2026 elections are perceived as a potential reset for the middle class, with a significant portion of voters feeling that a middle-class lifestyle is increasingly unattainable [1][2] Group 1: Economic Impact of Elections - Rising costs in housing, healthcare, and education are outpacing wage growth, making the outcomes of the 2026 elections critical for future tax rates and relief measures [2] - Tax changes resulting from the elections will directly affect take-home pay, with potential extensions or redesigns of income tax cuts being a key focus [3][4] - The national debt concerns are leading some leaders to consider deficit reduction plans that may limit future tax breaks, impacting middle-income tax relief [4] Group 2: Healthcare Costs - Healthcare expenses have become the top financial concern for Americans, surpassing groceries, housing, and utilities, with a significant portion of the population worried about affording care [6] - The expiration of enhanced Affordable Care Act premium tax credits has led to increased premiums, influencing voter decisions regarding candidates who may restore these subsidies [7] Group 3: Interest Rates and Debt Costs - Federal Reserve decisions on interest rates are influenced by election outcomes, affecting mortgage and credit card payments for consumers [8] - Predictions suggest that if inflation continues to ease, the Federal Reserve could lower interest rates to around 3% by 2026, impacting overall debt costs [8]