You're sitting there at your kitchen table, figuring out how you can stretch your dollars just a bit further to make ends meet. Then comes news that makes you want to bang your head on the counter: The Biden administration is considering hiking capital gains taxes.

What does this mean for small business owners who are trying to recover from one of the worst economic crises in living memory? Well, let me break it down for you. It means fewer jobs, less growth, and more of those late-night worry sessions about how you're going to keep your doors open.

The Obama-era and Biden administrations have always had a soft spot for Big Tech and Wall Street, but this move is like rubbing salt in the wounds of everyday entrepreneurs who are just trying to make it work. The capital gains tax rate increase would hit them the hardest because small business owners often reinvest their profits back into their companies.

Nobody is going to tell you this on CNN or MSNBC. They're too busy talking about "transitory" economic conditions and "green shoots." But I've been watching this for years, and when they talk about "stimulating the economy," they mean stimulating profits for big corporations while everyone else digs deeper into debt.

The buried number here is the one that really matters. It's not the official press release figure; it's the actual impact on small businesses if the tax rate goes up. That real figure shows a much bleaker picture, with fewer startups and fewer jobs created over the next few years.

Who benefits from this? Not you or me. The folks who are going to get richer off of your hard work are the ones with the deepest pockets, and they're not the ones who need the extra cash flow right now.

The real story is that while you're trying to make it through another month, they're planning how to take more from what little you have left. And guess what? It's going to be done quietly, under the radar, on a Friday afternoon when everyone is preoccupied with weekend plans and baseball games.

So here’s my advice: Protect yourself, protect your family. Look at ways to diversify your income streams, maybe consider talking to a financial advisor about how you can shield some of what you've built up from these tax grabs.