What you're saying is that your net income after taxes is less than your gross income. Of course that is true, and the exact numbers will vary for every individ

What you're saying is that your net income after taxes is less than your gross income. Of course that is true, and the exact numbers will vary for every individual. Naturally you should always take the difference between gross and net into account in any financial decisions. That wasn't what I was addressing, I was only commenting on this: "PTO is a non taxed benefit." Someone could misinterpret that and think "I pay taxes on my salary, but PTO is not taxed." But the money you're paid for PTO is salary. If you have accrued PTO and leave a company, when you get your final check you will find that the PTO payout is taxed as ordinary income, just like all of your other paychecks. And while you are at a company, the income you receive from any PTO days is also taxed as ordinary income, no different from a day that you actually work. That was the only issue I wanted to clarify.