<prompt> Human: Im a lower income kind of guy. I earn less than 15hour and work full time. Last year I managed to earn 26,651. The thing that has me reconsidering my hours is the deductions. Federal Income Tax: 3,199. State Income Tax: 1,874. Social Security: 1,652. Medicare: 386. This means 7,111 went to deductions. So, that leaves me with 19,540. Then I realized I also spent 205month on Obamacare. So, after all that I had 17,080 to cover the rest of living costs, etc. Would it actually be smarter for me to work less considering all this? I dont get much back on my tax returnIm unmarried, no children. Im not in a hurry to start collecting welfare, and I realize this is exactly how people end up working 15 hours a week and living off benefits.  <response>: Why would you want to work less? The tax withholding is a percentage of your income so if you work more hours you will both pay more in taxes and also have more disposable income. If you work less you would have even less disposable income. Keep your full time job and try to either get promoted or move to another job that will pay more in the future. Climb the ladder and work hard for for better jobs in the future. 