<prompt> Human: So I am taking a new job which will bump my income significantly. My wife and I file taxes jointly, and our AGI will be moving from 65-68k up to 110-120k. I have a few goals with this income jump:Start saving for retirement new company does not have 401k yet, but it is comingStart investing in addition to retirement savingsKeeping finance management as simple and clean as possibleNot get screwed on taxesFrom what Ive researched so far which I could be totally wrong on it looks like at 77,400 gross income there is a pretty huge jump in tax bracket. Im wondering if this is before or after the standard deduction, and if theres any way to not have to jump to that new bracket and increase my taxes by 10 by investing with purpose. My dream set up would be to have all of our income direct deposited into one account from which all investments and monthly expenses can be paid out of, and each of us get a set amount each week transferred to our checking accounts that we use day to day. Is this realistic?If it matters, were both 30 and live and work in Oregon. I will be starting the new job at the end of the month but Id like to be ahead of it with a plan.Thanks for any advice!Edit for more info:My pay 70k is a fixed W2 salary. My wifes can fluctuate between 40 and 50k, and she is also a W-2 employee.  <response>: Not all your income is taxed at a higher rate. Only the income in that bracket gets taxed at that rate. Im on mobile so cant give too detailed of an explanation but look up progressive tax brackets for a more in depth explanation. 