IRS hobby vs. business + gig tax headwinds/apps/SS hikes/Canada CRA intensify pre-April + W-2/side hustle audit triggers + low-income credits

OBBBA $20k/200tx but $600 PayPal/Venmo '26; $25k tip ded '28 saves $1.3k-6k rideshare/pets; EITC $8k max families/CTC $2.2k/education $2.5k for <$50k hustlers; SE 15.3% shock/QBI 20%/Schedule C deducts/W2 traps/mileage/home office; gig refunds $3.2k Lyft/ADP 70+; last-minute tips reinforce deducts amid admin overload pushing W2 paths like Staffing Network.