Dear john, Winter is just around the corner, and so are the colder temperatures that mean turning up the heat and increasing the gas bill when so many families are already stretching their budgets as far as possible. But there’s good news: the Inflation Reduction Act (IRA) Democrats in Congress and President Biden passed last year has made cost-saving benefits available right now, including:30% back for the cost of many clean energy upgrades to your home, including solar panels, water heaters, and battery storage, no matter the price.Up to $1,200 to add insulation, install new exterior windows and doors, or other improvements that increase the energy efficiency of your home.Up to $2,000 for a new heat pump (which can provide efficient air conditioning and heating) as well as a heat-pump water heater.Additionally, up to $7,500 in savings will be available right at point of sale when you buy a new electric vehicle and up to $4,000 for a used one starting on January 1st. You’ll be able to get these credits at your car dealership, which means the discount will come right off the sticker price when you buy your EV.You can visit this site to see a full list of benefits and credits for individuals, homes, businesses, and other entities, as well as to find out which are currently available to best help you and your household.