Taxed a lot because spouse makes six figures.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Just get a job that pays more than $13/hour. But you know that. You just don't want to work. That's why you get $13

OP it seems like at this time of night you get a lot of anti-women, incel-like comments like this one. Ignore them.

Op here. Right. Working at Starbucks is hard work! It's actually good for my body moving around. When I sit down, my legs and knees get very stiff.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Just get a job that pays more than $13/hour. But you know that. You just don't want to work. That's why you get $13

OP it seems like at this time of night you get a lot of anti-women, incel-like comments like this one. Ignore them.

It's a valid comment. What grown woman is ok with $13/hour? My house cleaner gets $200-250 in 3 hours. Nannies are paid more. Starbucks baristas 1st day on the job. Can get certifications, like radiology tech or dental assistant or something. It's very strange to give up on working because "I only earn $15k." That's just being willfully dense. My husband hires teens who earn more.

She said she makes $16 an hour and you need to remember all of those jobs aren't as flexible as working a few shifts at Starbucks. It's obvious their main priority is having a mostly stay-at-home parent because they think that's best.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Just get a job that pays more than $13/hour. But you know that. You just don't want to work. That's why you get $13

OP it seems like at this time of night you get a lot of anti-women, incel-like comments like this one. Ignore them.

It's a valid comment. What grown woman is ok with $13/hour? My house cleaner gets $200-250 in 3 hours. Nannies are paid more. Starbucks baristas 1st day on the job. Can get certifications, like radiology tech or dental assistant or something. It's very strange to give up on working because "I only earn $15k." That's just being willfully dense. My husband hires teens who earn more.

There is nothing valid in the sentence "you just don't want to work."

Also, it's $16 almost $17 an hour, and her husband is the one who first suggested she quit. Up your reading comprehension before calling others dense. Regardless, there are a lot of reasons somebody might want to work for $13 an hour, ones which OP articulated quite well in her follow-up posts.

[Anonymous]

Anonymous wrote:It's not worth it to work on the weekends and at poor paying retail job OP, has nothing to do with taxes. Why don't you want to be with your family on the weekends? The kids will be going to school soon enough and you can work retail then, there will be plenty of jobs available during the week.

Op here. I'm with them all the time. My husband works from home, and I don't work ALL weekend. As I have said, I go to work in the late afternoon, so I'm with them until 3 pm. If I weren't working, my days would all be the same.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Just get a job that pays more than $13/hour. But you know that. You just don't want to work. That's why you get $13

OP it seems like at this time of night you get a lot of anti-women, incel-like comments like this one. Ignore them.

It's a valid comment. What grown woman is ok with $13/hour? My house cleaner gets $200-250 in 3 hours. Nannies are paid more. Starbucks baristas 1st day on the job. Can get certifications, like radiology tech or dental assistant or something. It's very strange to give up on working because "I only earn $15k." That's just being willfully dense. My husband hires teens who earn more.

She said she makes $16 an hour and you need to remember all of those jobs aren't as flexible as working a few shifts at Starbucks. It's obvious their main priority is having a mostly stay-at-home parent because they think that's best.

Oh. She should be over $15k/year then at $16 with 24 hrs a week. If she works full-time, don't they offer free online college and decent health benefits?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Just get a job that pays more than $13/hour. But you know that. You just don't want to work. That's why you get $13

OP it seems like at this time of night you get a lot of anti-women, incel-like comments like this one. Ignore them.

It's a valid comment. What grown woman is ok with $13/hour? My house cleaner gets $200-250 in 3 hours. Nannies are paid more. Starbucks baristas 1st day on the job. Can get certifications, like radiology tech or dental assistant or something. It's very strange to give up on working because "I only earn $15k." That's just being willfully dense. My husband hires teens who earn more.

She said she makes $16 an hour and you need to remember all of those jobs aren't as flexible as working a few shifts at Starbucks. It's obvious their main priority is having a mostly stay-at-home parent because they think that's best.

Oh. She should be over $15k/year then at $16 with 24 hrs a week. If she works full-time, don't they offer free online college and decent health benefits?

Are you just trying to screw with people's heads now?

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Just get a job that pays more than $13/hour. But you know that. You just don't want to work. That's why you get $13

OP it seems like at this time of night you get a lot of anti-women, incel-like comments like this one. Ignore them.

It's a valid comment. What grown woman is ok with $13/hour? My house cleaner gets $200-250 in 3 hours. Nannies are paid more. Starbucks baristas 1st day on the job. Can get certifications, like radiology tech or dental assistant or something. It's very strange to give up on working because "I only earn $15k." That's just being willfully dense. My husband hires teens who earn more.

There is nothing valid in the sentence "you just don't want to work."

Also, it's $16 almost $17 an hour, and her husband is the one who first suggested she quit. Up your reading comprehension before calling others dense. Regardless, there are a lot of reasons somebody might want to work for $13 an hour, ones which OP articulated quite well in her follow-up posts.

Op again. I also started working at a very fancy gym and we get a free membership. A lot of the workers are moms. The mom are mostly supervisors. I'm not sure how much more they make than me. They work a lot more hours than me! It's totally worth it for me because I only work two mornings a week for a few hours and my sons come with me to work.i couldn't do it any more than that. A membership would be $500 a month otherwise. My kids can participate in rock climbing (when they are older), gymnastics, racquetball, art, and other classes. They get discounts on swim lessons.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Just get a job that pays more than $13/hour. But you know that. You just don't want to work. That's why you get $13

OP it seems like at this time of night you get a lot of anti-women, incel-like comments like this one. Ignore them.

It's a valid comment. What grown woman is ok with $13/hour? My house cleaner gets $200-250 in 3 hours. Nannies are paid more. Starbucks baristas 1st day on the job. Can get certifications, like radiology tech or dental assistant or something. It's very strange to give up on working because "I only earn $15k." That's just being willfully dense. My husband hires teens who earn more.

She said she makes $16 an hour and you need to remember all of those jobs aren't as flexible as working a few shifts at Starbucks. It's obvious their main priority is having a mostly stay-at-home parent because they think that's best.

Oh. She should be over $15k/year then at $16 with 24 hrs a week. If she works full-time, don't they offer free online college and decent health benefits?

Op here. I deducted some because we take a vacation for a month. That's also another reason why Starbucks or retail is good because I can take vacations whenever. I don't get paid time off until I'm with the company for a year but they are flexible enough to give me time off. During the holidays college students come back and can fill in..

[Anonymous]

OP, I haven’t read all the comments and I want to say that it all depends on what you want. If he keeps his salary to himself and you want that $15k to yourself, just put the minimum withholding at work, tell him that you put the max, and have him pay whatever you owe in taxes out of his salary.
That’s what I did with my now ex before we started filing separately.

[Anonymous]

Anonymous wrote:

Anonymous wrote:My cousin's wife is doing this. It's insanity. Get a normal job and pay for daycare like the rest of us. Your marriage will thank you.

Why is it insane to work? People work these jobs because they are FLEXIBLE and need something to do.

It's INSANE to work weekends when your spouse works during the week. That's neither flexible nor a time when there is nothing to do. It's a great way to run your marriage into the ground.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I'm trying to figure this out. Spouse makes 160k with a bonus. I would earn 15k. He's saying I would be taxed 35 percent, just like him. My work doesn't take it all out, so come tax season, we would owe the difference. My work takes out whatever is "normal." I'm not considered a contractor. Paying 5k in taxes seems excessive for my small salary. I don't see any of the 160k. My husband takes care of the mortgage and everything else, and he says there's not much left over. Does it ever make sense not to work in cases like these? I enjoy working but work full days hourly, three days a week so it is a lot of time for not a lot of money.

if you file together and have joint income then its taxed as a joint pot....? Each dollar over a certain amount is taxed at a higher percentage and you are taxed on AGI, not total income. Is he telling you that your 15k coming in is taxed at 35% in isolation because that's a dumb way of looking at it and I am not even sure the 35% is correct- although maybe he means combined with state?

Your combined income is taxed according to the following brackets if married filling joint:

$0 – $20,550 10%
$20,551 – $83,550 $2,055 + 12% of the amount over $20,550
$83,551 – $178,150 $9,615 + 22% of the amount over $83,550
$178,151 – $340,100 $30,427 + 24% of the amount over $178,150
$340,101 – $431,900 $69,295 + 32% of the amount over $340,100
$431,901 – $647,850 $98,671 + 35% of the amount over $431,900
$647,851 or more $174,253.50 + 37% of the amount over $647,850


So you could just as easily say your 15k being the first 15k is taxed at 0%.

Wow!
I am a very intelligent and educated person and I have no idea that this is how taxes are calculated. Good news is that my DH does, as he is the family CFO and a finance exec and our family CFO. What class is this - Personal finance, Economics, etc? I have a lot of time on my hands and would love to google and learn.

Intelligent and educated people don't need to explicitly say they are. It usually comes across (not in this case, at all). Also, saying your husband is family CFO is cringe-worthy and not something you want to ever tell someone.

Please develop some social graces. Also, a simple web search on basic personal finances can tell you everything you need to know in that department. Surely you know how to Google?

Sorry for being rude, but your behavior is exceedingly strange for an adult with kids. At 19 I came to this country, went to grad school and filed my own taxes, despite being parachuted into a system and language that were not my own. If I can do it, so can you.

PP, you are the one who needs to check yourself. It’s amazing that you were smart and mature enough at 19 to immigrate here and figure this stuff out. That makes YOU special, not everyone else an idiot. OP has not had a reason to learn this until now, and she is grateful for your help. It is possible to celebrate yourself without shaming others.

[Anonymous]

My biggest concern is that they have a big mortgage payment and spending is out of control for the husbands income. I mean, $160k is decent, but it’s not a gold mine around here. I can see if he brought in 300k, even 250k. But $160k a month isn’t much to brag about.

It’s unwise that he’s throwing the extra 1100 a month into the mortgage when they are barely hanging on.

I don’t think there’s anything wrong with op making 15k on top of this, though. But someone should have a talk with her husband about finances.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:My cousin's wife is doing this. It's insanity. Get a normal job and pay for daycare like the rest of us. Your marriage will thank you.

Why is it insane to work? People work these jobs because they are FLEXIBLE and need something to do.

It's INSANE to work weekends when your spouse works during the week. That's neither flexible nor a time when there is nothing to do. It's a great way to run your marriage into the ground.

Maybe insane for you, but they have different priorities. They still have 7ish hours together before she goes to work. When the kids are older, she can work earlier. It's insane you're judging people for working. You realize many people do this because childcare isn't affordable, right? It's also hard to find high-quality childcare, so some people work different schedules.

[Anonymous]

Anonymous wrote:My biggest concern is that they have a big mortgage payment and spending is out of control for the husbands income. I mean, $160k is decent, but it’s not a gold mine around here. I can see if he brought in 300k, even 250k. But $160k a month isn’t much to brag about.

It’s unwise that he’s throwing the extra 1100 a month into the mortgage when they are barely hanging on.

I don’t think there’s anything wrong with op making 15k on top of this, though. But someone should have a talk with her husband about finances.

I don't see the big deal. He's thinking long-term and wants to reduce the interest they pay. Maybe he's thinks it's insane to pay 500k throughout the loan. That is insane if you think about it. Most likely that's what the house is worth

[Anonymous]

Anonymous wrote:

Anonymous wrote:My biggest concern is that they have a big mortgage payment and spending is out of control for the husbands income. I mean, $160k is decent, but it’s not a gold mine around here. I can see if he brought in 300k, even 250k. But $160k a month isn’t much to brag about.

It’s unwise that he’s throwing the extra 1100 a month into the mortgage when they are barely hanging on.

I don’t think there’s anything wrong with op making 15k on top of this, though. But someone should have a talk with her husband about finances.

I don't see the big deal. He's thinking long-term and wants to reduce the interest they pay. Maybe he's thinks it's insane to pay 500k throughout the loan. That is insane if you think about it. Most likely that's what the house is worth

It is sort of insane but that is what happens when you buy an adjustable rate mortgage. If they can't afford the amount they are paying on the mortgage without making OP feel guilty about buying money on food or forgoing haircuts, they either need to pay the regular payment on the mortgage or find different living arrangements.