<prompt> Human: Quick Summary: Im starting at a company with a 92,000 salary, but no employee match on the 401k. If 91,900 is the cut off point for the level in tax brackets, could I put just 101 into my 401k annually, put myself in a lower tax bracket, and use the rest of the money for other savings?---Im a 31 yr old in Texas, going from a job with 80,000 salary and up to 3 401k match to a company with a 92,000 salary but no 401k match stock options offered instead. My 401k is at 60,000. I recently had to burn through my emergency fund due to some major house repairs, and since theres no 401k match, it seems to make sense for me to transfer my 401k to the new company so I dont have to pay maintenance fees for my account, but not contribute to the 401k until Ive built up a good Emergency Fund and even then I might go with an IRA, I can decide later.However I didnt realize that I had just tipped over the tax bracket with 91,900 being the specific cut off. Reading the website, it says taxable income. My understanding of a 401k is that the amount isnt taxed at this time. Does that mean if I contribute enough to my 401k to slip under the 91,900 limit, I can lower my tax rate?  <response>: thats not how tax brackets work. they are progressive, which means if the cutoff is 91,900, only income in excess of 91,900 is taxed at the next rate. 