> difference between mean and marginal I was writing mean rates, not marignal. For 300K in CA: - marginal is 35% federal, 9.3% state, 2.35% FICA - mean is 2

> difference between mean and marginal I was writing mean rates, not marignal. For 300K in CA: - marginal is 35% federal, 9.3% state, 2.35% FICA - mean is 24.74% federal and 8.06% state, 4.79% FICA. > I can see that paying for 3 generations on one income can be hard. Yes, most working class people have to care for 3 generations. Parents being wealthy enough to take care of their own retirement expenses is a small, small number. Working class people in their middle ages choosing to not have kids is also a small number.