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As Democrats Take Over Senate, Personal Finance Hangs in Balance Here’s the potential impact on tax policy, retirement savings, student loans, support for caregivers and Covid-19 assistance President-elect Joe Biden campaigned Monday in Georgia to support the Democratic candidates for the U.S. Senate. Photo: Carolyn Kaster/Associated Press By WSJ Staff Updated Jan. 12, 2021 10:34 am ET This week Democratic candidates won both runoff races in Georgia and took control of the U.S. Senate. That marks a sea change in Washington and potentially the financial lives of Americans. With Democrats in control of the White House and Congress for the first time in more than a decade, President-elect Joe Biden’s legislative agenda will face less opposition. Here’s what to watch for in laws and provisions in the months to come. ....