<prompt> Human: First time poster. On mobile so please forgive any errors. My husband is working 7 days a week and making considerably more money than usual from a bonus and his hourly pay and we will likely move into the next tax bracket. However we do have a 401k and an HSA that we can contribute to and Im wondering if we contribute enough money into those could we potentially be able to keep from moving brackets? Also would it make most sense to to put more money in one vs the other? His company matches on the 401k to a certain limit and we already have that amount coming out of the weekly checks. Thanks for your advice!  <response>: It sounds like you have the common misconception that all of your income is taxed at your highest bracket. This is not true.Instead, only the income you earn after reaching the tax bracket is taxed at that rate. Being in the 25 tax bracket produces an effective tax rate lower than 25. 