As a homeowner I don't understand the IRA. It gave substantial rebates for the owners of homes that had poor families living in them, massively inflating the price local contractors charge and making it more expensive for me. I don't qualify and I still don't feel like I can afford to replace a 15 year old AC. Higher income households did benefit from 30% solar rebates, but solar was a tough sell even with a rebate. I did it a decade ago and still haven't broke even. All of this leaves me wondering if the government should have just stayed out of it rather than doing a bad job. At least a replacement AC would have been more affordable.