<prompt> Human: I make gross income of 40kyear. Last I checked, the tax bracket I am in is as a single filer is 37,650-91,150. The difference of the two brackets are...9,275 to 37,650 1537,650 to 91,150 25So is my take home currently 3200-3200x.25 a loss of800month in tax where as if I dropped to 37k my take home would 2960-2960x.15 a loss of 440month in tax? At 40kyr that would be take home of 2400 where at 37k my take home would 2520.. Is this correct?  <response>: Its never advantageous. The US uses MARGINAL TAX RATES. So your first 37,650 is already taxed at 15, it is only the remaining 2,350 that is taxed at 25. 