Spending a year in the top x% isn’t what most people have in mind with their false optimism. They expect to make it to that bracket and stay there. One-time win

Spending a year in the top x% isn’t what most people have in mind with their false optimism. They expect to make it to that bracket and stay there. One-time windfalls that put you in a certain bracket temporarily don’t make low taxes on that bracket net benefit you. You’re still getting screwed all the other years in your life