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While a Texas federal district court’s preliminary injunction puts this requirement on hold, many experts expect that to be overturned. In that event, failure to file could lead to fines of $500 per day, up to a maximum of $10,000, and possible criminal penalties.

When finance isn’t your strong suit, the challenge becomes building a system that works for you—one that helps keep the lights on, even if you’d rather be doing literally anything else.