<prompt> Human: I live in New Jersey for tax reasons if its relevant. At how many hours is it better to go for straight time cash? And my coworkers make 12 and 13 if anyone could help with their numbers too, it would be greatly appreciated.Edit 1: it would appear that my boss is a scumbag. Edit 2: I work in a construction type job, South Jersey.I want to thank everyone for their input and helpful advice.  <response>: You would have to be making a considerable amount of money to be taxed where the pay off would not be worth it. Here is a formula you could use:440 16.50OT - 40 .90 440.90 11OT16.50OT - 198 398 11OT5.50OT 596OT 108 HoursSince you only make about 22,000 per year, you are likely to only pay around 10 of your overall income to taxes like state, federal and social security. Knowing that, then you are probably better off taking the time and a half. It would probably taking you earning double or so in order for it to be worth it. As you can see from the formula above, but you would have to work 108 hours for it to be equal. So you are better off earning over the table at that current tax rate. Of course you can play with the formula by playing with your tax rate 