<prompt> Human: Just landed my first big gig. All together Im looking at about 115,000 pretax in 2016. Family of 4, only person working. Not much property tax, or mortgage interest with be paid. I would really like to move down a taxation bracket, any other ideas besides getting an IRA for the two adults? I live in the US and have no state income tax. EDIT: If anyone has any ideas about how to lower my taxable income, Im all ears. So far I will make charitable donations, and contribute to an IRA. I could use a little more advice on that too please  <response>: I dont have kids. Im not a huge fan of supporting your family via your child tax credits and paying for schools. But I also recognize that I live in a society that is better off when we support those things. So I go along with it. 