There should be a rule that says during an election year, after a specific date (Say July 1), the government can’t make big decisions or spend a lot of money on new stuff. This is to stop outgoing leaders from making last-minute changes that might influence the election or complicate things for the next leader.
So, from July 1st until the new president takes office (Inauguration Day), Congress can’t pass new laws that change big things like taxes or healthcare, unless it’s an emergency. The President also can’t make new rules or big spending decisions. There could be exceptions for emergencies or stuff that keeps government services running. Obviously, all of that needs debate.
A bipartisan task force could watch to make sure nobody breaks this rule. If they do, the action might get delayed or looked at again by the new government. This idea is to keep things calm and fair during the time when one administration is leaving and another is about to start and keeps a “lame duck” administration/Congress from complicating the transition of power.