Tax breaks in the megabill, like no taxes on tips and overtime, only apply to people at certain income levels.

In addition, the personal exemption, miscellaneous itemized deductions and moving expenses for many filers that were dropped by the 2017 overhaul are now gone permanently. The mortgage interest deduction will still be allowed only for up to $750,000 of eligible debt, with no adjustment for inflation.

Savings from safety net cuts still are not enough to offset an expensive package of tax breaks projected to add more than $3 trillion in federal debt by 2034.