I don't think you have actually done the math on taxes if you think that. First off, the 32% bracket kicks in at 170k of taxable income, which is going to be a

I don't think you have actually done the math on taxes if you think that. First off, the 32% bracket kicks in at 170k of taxable income, which is going to be at least 183k of actual income because of the standard deduction (probably higher because of itemized deductions). Second, the 6.2% social security tax stops at 160k of income, so your income in the 32% bracket is really only taxed at 1.8% more than most of your income in the 24% bracket.