> It’s often much easier and more enjoyable to increase your pay 25% than it is to decrease your spending 25%. It should of course be noted that you need to in

> It’s often much easier and more enjoyable to increase your pay 25% than it is to decrease your spending 25%. It should of course be noted that you need to increase your pay by 25%/(1-tax rate) to have the same effect as reducing spending by 25% though. For example, at a 30% tax rate, you'd need to increase your pay by 36% to have the same effect as reducing spending by 25%.