<prompt> Human: My husband and I started our taxes and realized we made 98 more than the cut off for our old tax bracket. Because of this , we got bumped up to the next tax bracket and instead of getting a refund, it looks like we now owe over 3000. Any advice, tips, or loopholes that might allow us to lower this amount or avoid that bump up in tax bracket since it is less than 100. It is just hard to swallow that if I would have worked 1 less day in the whole year, I would be getting a refund. Thank you in advance!  <response>: Thats not how this works at all. Only the amount into the next bracket gets taxed at that rate. So the 98 gets taxed at the highest rate. Thats all. 