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<ul class="summary-list"><li>The cost of childcare is weighing on American families.</li><li>Below are some of the policies Harris and Trump have proposed to address these worries.</li></ul>With the presidential election days away and early voting already underway in most states, America's parents are wondering how the next administration could affect the rising <a target="_blank" class="" href="https://www.businessinsider.com/how-much-kids-cost-raising-child-inflation-childcare-tax-exemptions-2024-1">cost of raising children</a>.In the last of Business Insider's five-part series in the final stretch before the election, we're looking at the ways each candidate and their proposed policies could influence the price of childcare. The series has already covered each how each candidate is expected to impact <a target="_blank" class="" href="https://www.businessinsider.com/market-impact-presidential-election-scenarios-trump-harris-stocks-bonds-crypto-2024-10">investments</a>, <a target="_blank" rel="" class="" href="https://www.businessinsider.com/cost-expensive-goods-price-impact-presidential-election-scenarios-trump-harris-2024-10">overall </a><a target="_blank" class="" href="https://www.businessinsider.com/cost-expensive-goods-price-impact-presidential-election-scenarios-trump-harris-2024-10">costs</a>, <a target="_blank" class="" href="https://www.businessinsider.com/housing-affordability-supply-impact-presidential-election-scenarios-homebuyers-harris-trump-2024-10">housing</a>, and <a target="_blank" class="" href="https://www.businessinsider.com/tax-cut-tariff-plan-outlook-presidential-election-scenarios-harris-trump-2024-10">taxes</a>.Former President Donald Trump and Vice President Kamala Harris have both talked about the importance of making childcare more affordable. Harris has put forth specific plans to help alleviate the high costs of raising children, while Trump's campaign has focused mainly on increasing the amount of the child tax credit.Below are three elements of the childcare equation and what the Harris and the Trump camps have either proposed or already done.<h2 id="fbba22c8-b4a8-4c15-9104-0610fb961271">Childcare-cost assistance</h2>Harris has <a target="_blank" class="" href="https://www.youtube.com/watch?v=VRJciXc4UcQ&amp;t=1206s">promised</a> to cap families' childcare costs at no more than 7% of their incomes, compared to the <a target="_blank" class="" href="https://blog.dol.gov/2023/01/24/new-childcare-data-shows-prices-are-untenable-for-families">between 8% and 19.3%</a> spent by the median American family in 2022. The policy was first proposed in President Joe Biden's <a target="_blank" class="" href="https://www.businessinsider.com/democrats-bench-build-back-better-face-obstacles-with-voting-rights-2022-1">2021 Build Back Better package</a> but was not passed by Congress.<a target="_blank" class="" href="https://www.whitehouse.gov/briefing-room/statements-releases/2024/02/29/fact-sheet-vice-president-harris-announces-action-to-lower-child-care-costs-for-more-than-100000-families/">As vice president</a>, Harris said she's working to encourage states to lower childcare costs by cutting copayments for the Child Care and Development Block Grant — a federal program that provides childcare subsidies for low-income families. Harris wants to make these subsidies more accessible for families of children who have disabilities, are experiencing homelessness, or are in foster care, and families living at or below 150% of the federal poverty line.Trump has not included a specific policy to mitigate childcare costs in his 2024 campaign. <a target="_blank" class="" href="https://www.edweek.org/policy-politics/new-plan-from-donald-trump-aims-to-address-costs-of-child-care/2016/09">While in office</a>, Trump expanded the child tax credit, but he made no other major policy changes.Neither Trump nor Harris have proposed plans to fund childcare facilities or boost <a target="_blank" class="" href="https://www.businessinsider.com/jd-vance-childcare-plan-providers-teachers-criticize-policy-2024-9">hiring</a>, though experts told BI that skyrocketing costs are in part because the industry is <a target="_blank" class="" href="https://www.businessinsider.com/providers-struggle-to-keep-funding-rising-childcare-costs-2023-9">underfunded.</a> The number of childcare workers is <a target="_blank" class="" href="https://www.chicagofed.org/publications/chicago-fed-insights/2024/childcare-labor-market">still below</a> pre-pandemic levels."What's partially driving that conundrum is that we put so much burden right now on parents — and parents alone — to foot the bill for childcare," said Anne Hedgepeth, the senior vice president of policy and research at the advocacy organization Child Care Aware of America.Cindy Lehnhoff, the director of the advocacy group National Child Care Association, said that previous federal funding pools, such as the <a target="_blank" class="" href="https://www.businessinsider.com/biden-to-sign-19-trillion-american-rescue-plan-on-thursday-2021-3">2021 American Rescue Plan Act,</a> helped to fund childcare facilities at the local and federal levels. She said more plans like it in the future could expand childcare options and make it more affordable for parents.<h2 id="e8cf6a27-c056-425e-a8d8-f31d090d9888">Child tax credits</h2>Trump and Harris have both proposed expanding the child tax credit, which currently provides <a target="_blank" class="" href="https://www.whitehouse.gov/child-tax-credit/">up to $2,000</a> per child.Harris' <a target="_blank" class="" href="https://www.businessinsider.com/harris-trump-proposals-boost-child-tax-credit-give-parents-money-2024-8">child tax credit</a> policy would restore the enhanced <a target="_blank" class="" href="https://www.businessinsider.com/child-poverty-rate-america-congress-cut-biden-expanded-tax-credit-2023-9">pandemic-era credit,</a> giving parents up to $3,600 annually per child, with the amount dependent on a child's age and family income. The plan also includes a $6,000 tax credit for middle- and low-income families for the <a target="_blank" class="" href="https://www.businessinsider.com/child-tax-credit-new-parents-cut-taxes-harris-economic-policy-2024-8">first year of their child's life</a>, which Harris said can be used to <a target="_blank" class="" href="https://kamalaharris.com/wp-content/uploads/2024/09/Policy_Book_Economic-Opportunity.pdf">offset expenses</a> like diapers, car seats, baby formula, and childcare. She has also proposed <a target="_blank" class="" href="https://www.businessinsider.com/what-you-need-to-know-about-kamala-harris-opportunity-economy-2024-9">other tax cuts</a> for middle- and low-income Americans, which would benefit some parents.In August, the vice presidential candidate JD Vance floated a child tax credit proposal that would include $5,000 per child for families of all income levels. Previously, Trump's 2017 Tax Cuts and Jobs Act provided about $2,000 of relief per eligible child, though the Center on Budget and Policy Priorities said the plan <a target="_blank" class="" href="https://www.cbpp.org/research/federal-tax/child-tax-credit-increases-in-gop-tax-plan-exclude-millions-of-children-in-low">excluded some</a> low-income families and single-parent households.The US's pandemic-era child tax credit <a target="_blank" class="" href="https://www.businessinsider.com/child-poverty-rate-america-congress-cut-biden-expanded-tax-credit-2023-9">expired</a> at the end of 2021 because Republicans in Congress opposed it. A renewed one — which would have boosted the amount of money families receive — was <a target="_blank" class="" href="https://www.businessinsider.com/child-tax-credit-boost-bipartisan-plan-lift-kids-from-poverty-2024-1">introduced to Congress</a> earlier this year, but it failed to pass the Senate.<h2 id="4d34e818-8e07-40ed-ba56-9b3d5c44fa5f">Paid leave</h2>During her <a target="_blank" class="" href="https://www.vox.com/identities/2019/10/7/20902697/paid-family-leave-kamala-harris">run for president in 2020</a>, Harris supported a six-month paid-leave policy for Americans with a new child or a sick relative. Protecting paid leave at the federal level has been one of her key 2024 talking points, and she's expected to build on Biden's agenda, which supported <a target="_blank" class="" href="https://www.whitehouse.gov/briefing-room/statements-releases/2023/02/02/fact-sheet-biden-harris-administration-announces-new-actions-to-support-and-advance-womens-economic-security/">12 weeks</a> of paid parental leave.While in office, Trump signed a bipartisan bill that provided federal employees with 12 weeks of paid <a target="_blank" href="https://www.npr.org/2019/12/13/787631029/paid-parental-leave-how-republicans-learned-to-love-a-democratic-priority">parental leave</a>. He hasn't emphasized the issue on the campaign trail.While parents are legally allowed to take 12 weeks of unpaid leave under the <a target="_blank" class="" href="https://www.businessinsider.com/why-pregnant-workers-parental-maternity-leave-can-be-laid-off-2023-3">Family and Medical Leave Act</a>, the US does not have a federal paid-leave policy. Some states have their own paid-leave requirements, and others leave policies up to individual employers.Without federal paid-leave protections, many <a target="_blank" class="" href="https://www.businessinsider.com/high-childcare-costs-in-us-women-workforce-cheapest-countries-kids-2024-2">families</a> would not have access to parental leave — which could lead to higher childcare costs and lower job security.

How the cost of childcare is expected to change under Trump or Harris

<ul class="summary-list"><li>Affordable housing is one of America's top economic concerns heading into the election.</li><li>Detailed below is what Harris and Trump have proposed in order to address these worries.</li></ul><a target="_blank" href="https://www.businessinsider.com/harris-trump-presidential-election-swing-state-polls-sun-belt-2024-10">Election Day</a> is around the corner and some Americans are already casting their ballots in early voting. For many, affordable housing is a <a target="_blank" class="" href="https://www.bankrate.com/personal-finance/2024-election-and-the-economy-survey/">top</a> concern.In the third of Business Insider's five-part series for the final stretch before the election, BI is looking at the ways each candidate and their associated policies will impact the price of housing. (Read <a target="_blank" class="" href="https://www.businessinsider.com/market-impact-presidential-election-scenarios-trump-harris-stocks-bonds-crypto-2024-10">part 1</a> about investments, and <a target="_blank" class="" href="https://www.businessinsider.com/cost-expensive-goods-price-impact-presidential-election-scenarios-trump-harris-2024-10">part 2</a> about costs.)Vice President Kamala Harris and former President Donald Trump have both pledged to address high prices by <a target="_blank" class="" href="https://www.businessinsider.com/homes-free-government-land-real-estate-housing-prices-harris-trump-2024-8">boosting the supply of homes</a>. They've also floated plans to increase affordable housing while offering different viewpoints on home construction in rural and urban areas.Detailed below are four elements of the housing-price equation, and what both the Harris and Trump camps have either proposed or already done.<h2 id="1827e262-8518-4344-bd61-fda006799bbc">Increasing housing supply</h2>Harris has said she will work with the private sector and homebuilders to construct <a target="_blank" href="https://www.businessinsider.com/how-kamala-harris-plans-to-build-3-million-new-homes-2024-8">3 million more homes</a> by the end of her first term. She also plans to create a <a target="_blank" href="https://www.businessinsider.com/kamala-harris-economy-proposal-25k-first-time-homebuyers-down-payent-2024-8">$40 billion federal innovation fund</a> that encourages local governments to build housing.This is in response to an ongoing US housing shortage. The US was short about <a target="_blank" class="" href="https://zillow.mediaroom.com/2024-06-18-The-U-S-is-now-short-4-5-million-homes-as-the-housing-deficit-grows">4.5 million homes</a> in 2022, a recent Zillow report found. And that same year the number of US families increased by 1.8 million, but just 1.4 million housing units were built.The Democratic candidate also said she plans to expand the existing <a target="_blank" href="https://www.huduser.gov/portal/datasets/lihtc.html">low-income housing tax credit</a>, which incentivizes the rehabilitation or building of housing targeted at lower-income households."Harris is trying to increase the supply of townhomes, duplexes, and condos, so that people can have an easier step onto the housing ladder than what they currently have," Daryl Fairweather, chief economist at the real estate firm Redfin, told BI.Fairweather added that Trump has talked a little bit about cutting red tape, referring to building permits and zoning laws that prevent new housing developments, but that he hasn't provided details. He also said he would <a target="_blank" class="" href="https://www.eenews.net/articles/trump-vows-hell-cut-regs-to-build-housing-on-federal-land/">designate more federal land</a> for housing.Some experts have concerns that Trump's <a target="_blank" class="" href="https://www.businessinsider.com/trumps-tariff-outlook-trade-policy-income-tax-consequences-fiscal-crisis-2024-7">high tariff proposals</a> on materials like steel would make it harder to build housing. <a target="_blank" rel="noopener noreferrer" class="c-link" href="https://www.piie.com/sites/default/files/2024-05/pb24-1.pdf">A report</a> published in May from the nonpartisan think tank Peterson Institute for International Economics predicts they will make construction more expensive. High construction costs have been a major factor in the US' <a target="_blank" class="" href="https://www.businessinsider.com/why-theres-a-housing-shortage-not-enough-homes-high-prices-2022-5">underbuilding of homes</a>.On the campaign trail, the former president has remarked that the housing supply will improve once <a target="_blank" class="" href="https://www.businessinsider.com/jd-vance-deport-20-million-immigrants-reduce-home-prices-rents-2024-7">millions of people are deported</a> from the country. Builders have argued that such an effort would only <a target="_blank" class="" href="https://www.nbcnews.com/politics/2024-election/trump-immigration-deportations-home-building-costs-rcna172886">drive up costs</a>, as immigrant labor makes up a vital part of the construction industry.Trump has also said he would <a target="_blank" href="https://www.cnn.com/2024/09/06/business/undocumented-immigrants-trump-mortgage-ban/index.html">ban mortgages for undocumented immigrants</a> to decrease demand on the housing market. <a target="_blank" class="" href="https://www.cnn.com/2024/09/06/business/undocumented-immigrants-trump-mortgage-ban/index.html">Experts have said</a> this group makes up a small portion of the US mortgage market.<h2 id="6cfbfb8d-3edd-447a-a479-1e8d09b5bb3b">First-time homebuyer assistance</h2>Harris has proposed offering up to <a target="_blank" href="https://www.businessinsider.com/harris-down-payment-assistance-plan-25000-housing-crisis-affordability-zillow-2024-8">$25,000 in down-payment assistance</a> for first-time homebuyers who have paid their rent on time for at least two years.Harris has also said she would offer tax incentives to homebuilders who prioritize "starter homes." Experts have said Harris' down-payment assistance plan would boost overall home prices because it would increase demand for mortgages <a target="_blank" class="" href="https://www.aei.org/research-products/report/determining-the-price-impact-of-harris-down-payment-assistance-proposal/">without solving supply issues</a>.Although Trump has said that he <a target="_blank" href="https://www.businessinsider.com/trump-biden-housing-crisis-policy-rising-home-prices-apartment-rents-2024-6">would offer tax incentives</a> to first-time homebuyers, his campaign has not released details about the amount of aid.As president, Trump proposed <a target="_blank" class="" href="https://www.businessinsider.com/trump-biden-housing-crisis-policy-rising-home-prices-apartment-rents-2024-6">major cuts</a> to the federal Department of Housing and Urban Development's budget, including slashing housing assistance and community development aid."Qualifying income for a household to be able to afford the typical price of a home right now is six figures," Jessica Lautz, the deputy chief economist and vice president of research at the National Association of Realtors, said. "That can be really impossible to imagine for someone who is a school teacher."<h2 id="622bc6c7-b5ce-4d83-9740-314714da24ed">Urban vs. rural housing</h2>In dense urban areas, Harris hopes her plan can usher in new construction by <a target="_blank" class="" href="https://www.businessinsider.com/yimbys-harris-housing-policy-walz-lower-home-prices-affordability-2024-8">removing some zoning restrictions</a> that prevent multifamily townhomes, condos, and duplexes from being built.Harris has emphasized her desire to expand housing in rural America in recent weeks. In a <a target="_blank" href="https://static.politico.com/6c/c1/6cc380c24392aef810eaf3ae648f/harris-campaign-rural-plan.pdf">memo</a> released in September, she said her plan would include $7.2 billion in infrastructure investments and potentially boost economic growth.While in the White House, Trump <a target="_blank" href="https://www.wsj.com/articles/well-protect-americas-suburbs-11597608133">opposed</a> the construction of high-density housing in single-family zoned areas, arguing that he would "save" the suburbs from the Democratic Party. It's unclear if Trump still wants to pursue similar policies.While in office in 2017, Trump proposed a budget for the 2018 fiscal year that <a target="_blank" href="https://www.washingtonpost.com/news/post-nation/wp/2017/05/23/heavy-cuts-to-rural-development-and-infrastructure-in-latest-trump-budget/">would have significantly cut</a> rural housing subsidies. The bulk of these proposals never came to fruition.<h2 id="e4a11dbe-840d-4cd2-960e-91b271fa111b">Action against big landlords</h2>Harris has said she will take action against "<a target="_blank" href="https://www.businessinsider.com/kamala-harris-ban-landlords-raising-rent-algorithms-realpage-2024-8">corporate landlords</a>," and call on Congress to remove tax benefits from investors who acquire 50 or more single-family rental homes. Her planned investment in a federal innovation fund would also incentivize cities to build more rental options.This is in response to <a target="_blank" href="https://www.census.gov/newsroom/press-releases/2024/renter-households-cost-burdened-race.html">nearly half</a> of America's renters in 2024 being considered "cost-burdened," meaning at least 30% of their income goes to housing. In some cities, <a target="_blank" href="https://www.businessinsider.com/cities-wage-growth-rent-increases-texas-housing-costs-florida-nyc-2024-5">higher rents are also outpacing wages</a>.While Trump has called for the construction of more housing — which would include rental units and homes — he has not provided details about how his plan would specifically impact renters. While in office, Trump <a target="_blank" href="https://www.presidency.ucsb.edu/documents/executive-order-13945-fighting-the-spread-covid-19-providing-assistance-renters-and#:~:text=Prior%20to%20passage%20of%20the%20Coronavirus%20Aid,">implemented</a> a temporary eviction moratorium to keep Americans housed during the pandemic.

How the cost of housing is expected to change under Trump or Harris

<ul class="summary-list"><li>The ultra-gory "Terrifier" franchise follows a demonic serial killer called Art the Clown.</li><li>Audience members walked out of a recent "Terrifier 3" screening, and one person vomited.</li></ul>Audience members were so disgusted by the ultra-gory horror movie "Terrifier 3" that they walked out of a screening last week — which is great news for its marketing team.Director <a target="_blank" href="https://www.businessinsider.com/damien-leone-terrifier-3-evil-dead-sam-raimi-new-project-2023-2">Damien Leone's</a> "Terrifier" franchise tells the story of a demonic serial killer called Art the Clown, who brutalizes his victims with a hideous grin on his face.Its makers will be keen to recreate the buzz surrounding the 2022 prequel "<a target="_blank" href="https://www.boxofficemojo.com/title/tt10403420/?ref_=bo_se_r_1">Terrifier 2</a>." A <a target="_blank" href="https://www.businessinsider.com/terrifier-2-allie-death-director-damien-leone-infamous-scene-2023-2">hideous sequence</a> featuring a woman being scalped, which was too much even for some seasoned horror fans, saw some audience members faint and vomit during "Terrifier 2" screenings. The hype likely helped the independent movie rake in $15 million against a budget of $<a target="_blank" class="" href="https://www.boxofficemojo.com/title/tt10403420/?ref_=bo_se_r_1">250,000</a>, despite having no backing from a major Hollywood studio.The second film establishes supernatural lore surrounding the clown and one of his would-be victims, Sienna (Lauren LaVera). "Terrifier 3," which is out in cinemas on October 11, sees Art return to get revenge on Sienna and her family during the Christmas holidays. The film is so gory that it was given an 18+ rating in France: a first <a target="_blank" href="https://bloody-disgusting.com/movie/3834337/terrifier-3-is-the-first-horror-movie-france-has-banned-minors-from-seeing-since-saw-3-in-2006/">since "Saw III" in 2006</a>.Following a UK press screening on October 2, distributor Signature Entertainment posted on X that venue staff said 11 people walked out of the film and one person vomited.The tweet was in reply to a photo shared by the "Terrifier 3" X account. It said "don't say we didn't warn you" alongside a photo of a sign reading: "THIS FILM CONTAINS EXTREME VIOLENCE AND EXCESSIVE GORE. IF YOU ARE FEELING UNWELL, PLEASE FIND A MEMBER OF STAFF." Matt Hudson, the host of the Spook City horror movie podcast who attended the screening, told Business Insider that he saw viewers walk out and heard someone talking about the person vomiting.Film analyst, <a target="_blank" class="" href="https://horrormoviereport.com/">Stephen Follows</a>, told BI that while news of walkouts and vomiting used to be a warning to viewers over movies including "<a target="_blank" href="https://www.businessinsider.com/the-exorcist-linda-blair-50-years-horror-religious-thriller-2023-11">The Exorcist</a>," nowadays it's a challenge to attract audiences."How are you going to get people to get off their butts and go into the cinema? Well, you say that 'this is a moment in time.' You say 'this is a live experience like nothing else.' This is a knowing wink and a joyous promise. It's gone from being a threat to a promise. it's a challenge as well. Can you cope where others cannot?"From what I hear 'Terrifier 3' delivers, but they're certainly ramping up the expectations to the point where people are going to be like, 'Alright, I'll see I've got a strong stomach.'"He added that some fans might be skeptical of reports of walkouts because they are so common. "What's interesting is the cultural acceptance of it. Horror fans will smile now, 'Oh, they're doing that. Okay, so that's how they're pitching it!' It's become a meme," he said.Hudson, who is also a Rotten Tomatoes-approved critic, said that audiences have been desperate for a charismatic new horror icon, and Art has filled that void."I don't think we've had a real icon since the idea of<a target="_blank" href="https://www.businessinsider.com/scream-ghostface-all-killers-so-far"> Ghostface</a> in 1996 and then before that you've got the classics, Freddy Krueger, Jason Voorhees, Michael Myers,<a target="_blank" href="https://www.businessinsider.com/hellraiser-movies-ranked-worst-to-best-pinhead"> Pinhead</a>. So I think audiences also want a new icon, somebody who they almost go to see the film for Art rather than anybody else," he said.It remains to be seen if "Terrifier 3" will be another cult hit — and what horrors will befall the victims of "Terrifier 4," which was greenlit in September.

Ultra-gory 'Terrifier 3' is using puking viewers as a marketing tool. The same hype helped 'Terrifier 2' make $15 million on a $250,000 budget.  

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How the cost of childcare is expected to change under Trump or Harris

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Ultra-gory 'Terrifier 3' is using puking viewers as a marketing tool. The same hype helped 'Terrifier 2' make $15 million on a $250,000 budget.

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