I made the mistake this year of not believing Congress would enact retroactive exclusion.  Now, I'm telling clients with UC not to make any plans until April.  There will be huge changes in tax legislation before the end of this year, and the same people who sponsored the exclusion for 2020 are still in charge.  

Grant me the serenity to accept the things I cannot change, courage to change the things I can, and the wisdom to know nothing is certain about taxes while Congress is in session.