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Even with paying the accountant and even if the higher bracket was 90% you’d still be making more by earning more. It’s hard to agree with your line of thinking but I have seen this often that people are willing to sacrifice quite a lot of money for “security” and “peace of mind”. In practice you’d have more peace of mind with more money in the bank.



>Even with paying the accountant and even if the higher bracket was 90% you’d still be making more by earning more.

Maybe I should describe it better - it is a special tax model - you pay a flat fee if you make less than X and that flat fee turns out to be ~5%. When you cross this threshold you no longer qualify for this model at all - you have to convert to standard taxation - I would need to increase my revenue by 20% just to break even and the extra hassle of doing that would mean that I need to increase it by 30% (at least) to be wroth it.

So in my situation it just turned out to be a good limit where if I negotiate 10% more I just convert that money = free time for other stuff. I don't plan to stay below this limit forever (in fact next year I plan to go over) but the concept of having a target income goal and then letting the rest of your time go to personal life is really good for work life balance IMO.




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