It's actually close to $50k before you owe that much after standard deduction... $100k would be closer to $18k taxes. Also, you don't need to take it all one y

It's actually close to $50k before you owe that much after standard deduction... $100k would be closer to $18k taxes. Also, you don't need to take it all one year. Tax credits carry forward up to 10 years.[1] [1] Disclaimer, I am not an accountant