<prompt> Human: New kid here. Just read the Wiki. I followed the flowchart, and I have done everything listed. I have a 401k with 8 employer 100 match; which Im currently contributing 20 of my pay to in order to reduce my tax bracket. I earn right around 100kyr but 45 of my pay is in overtimedouble time. I get taxed even with 20 401k contribution about 28-31 every pay period. Im single, I live at home with my parents, I have no debt, my car is a company lease vehicle which I turn in ever 8k miles for a new one, but costs me roughly 500month with insurance 225month of insurance because tickets. I dont have many bills and I have about 60k of liquid cash in checkingsavings. I max out my Roth IRA each year. I have a Robinhood account that I use to play with some funds on my phone and learn the market. I returned 58 with 4,000 last year anyone using Robinhood - can you automatically re-invest dividends?. The only steps I believe I can take to lower the amount Im taxed is to either buy a house and write off the interest or get married. Neither one makes sense to me because I plan on moving around with the company I work for and plan to be living in a new place every 4-5 years. What can I do better?  <response>: Google how do tax brackets work because your phrasing implies that you might not understand.Understand the difference between taxes and withholds.30 taxes in normal.Contribute to an HSA if applicable. Sounds like youre already making your 401k. For most people, there aret other ways to lower taxes unless youre already itemizing and generally it requires spending money in the first place. Having a kid generally lowers your taxes. But obviously costs way more. 