<prompt> Human: Ive recently come into an unexpected bonus at work. Im wondering if PF has any suggestions on how I can best shelter my tax liability this year. Some details:- The bonus is considered supplemental income.- Gross was near 55k and the net is closer to 33k; a tax advisor told me I would likely need to pay another 5k come tax time.- Im in the 25 bracket normally Married filing jointly, but this will bump me into 28 this year. I understand only the eligible increase is taxed at 28- My debt situation: - Student loans and other debt auto, mortgage, home improvement at reasonably low interest rates under 5 mostly. - 5k in credit card debt at about 11, and another 8K in credit card debt at 0 Im on track for paying this off by 122018.I was hoping to make the unexpected money work for me rather than paying off loans, which Im already keeping pace with. My credit score hovers around 750. From a lot of advice I see shared here, maybe thats a mistake?As far as tax shelters go, the main option I see is to change my contributions from a roth 401k to a traditional 401k for the rest of the year. Id try to get as close to the 18K limit for the year from those contributions - and use the bonus to supplement my take home income for the remainder of 2017.Does anyone have any other ideas?I was hoping I could use the money to invest in a rental property, start a small business, maybe a franchise, but Im not sure any of those will really give me the ability to save anything on taxes this year. Thanks in advance for any helpsuggestions. Edit: Formatting  <response>: Id pay that credit card at 11 off today. Thats an immediate return on your money. 