Summary of "Эти законы изменят ВСЕ! Готовимся к худшим временам!"

Overview

The video discusses significant new laws and economic changes coming into effect in 2026, focusing primarily on a large-scale tax reform and its impact on businesses and consumers. The presenter, Danil, emphasizes the necessity of self-reliance and investing amid economic uncertainty, offering free investment guides and portfolio templates to help viewers adapt.

Key Points Covered

1. Tax Reform and VAT Increase

VAT has risen from 20% to 22%.
The threshold for paying VAT for individual entrepreneurs has been drastically lowered from 60 million rubles per year to 20 million rubles.
This change affects many small and medium businesses, such as coffee shops and eateries, which often earn around this amount.
The effective tax burden nearly doubles for these businesses, significantly reducing their net profits.
Entrepreneurs are likely to pass these increased costs onto consumers, meaning everyday goods and services will become more expensive.
The VAT threshold will continue to decrease annually, eventually affecting nearly all individual entrepreneurs.

2. Wage and Pension Indexation

Salaries will be indexed by 7.6%, pensions and maternity capital by 6.8%, roughly matching official inflation rates.
However, real inflation is believed to be much higher, meaning these increases may not fully offset the rising cost of living.

3. Mortgage Changes

Family mortgage benefits are now limited to one mortgage per family, eliminating the previous possibility for spouses to take out separate preferential mortgages.
This restriction aims to curb speculative real estate purchases.
It may make housing more accessible for genuinely needy young families, potentially stabilizing or lowering real estate prices.

4. Increased Recycling Fee on Cars

The recycling fee on vehicles, especially those with more than 160 horsepower, has been raised sharply, making cars significantly more expensive.
For example, a car previously costing 2.5 million rubles could now cost 3 to 4 million due to this fee.
The official rationale is environmental protection, but the presenter suspects it is more about supporting domestic auto manufacturers and increasing tax revenues.

5. Taxi Regulations

Only domestically produced cars can now be registered as taxis.
Foreign cars already operating as taxis are grandfathered in, but no new foreign taxis will be allowed.

Conclusion

Danil warns that these changes will lead to increased prices for everyday goods and the closure of many small businesses that cannot absorb the new tax burden. Despite the challenges, he encourages viewers not to lose hope, to adapt by investing wisely, and to use the free educational materials he provides to build financial resilience.