Reasons to be optimistic:
- I have never adjusted my W-2 ever since I started working a second job back in 2007
- I continue to max out my FSA at work (a measly $1,500, but still, every penny counts)
- I did not do any skin care classes this summer at the public library, so will not be "punished" for that extra income
- S didn't work 8 months last year and this year he was employed all year; hence his income will be a lot higher
- I contributed only the bare minimum (well, with a .05% on top of that because I like round numbers!) to my 403(b)--but I did that last year too since I was the only one working and we needed all the cash we could get at the time for living expenses and frankly, I am gonna keep this up anyway and open a Roth IRA as soon as is humanly possible! I'd rather pay the taxes now than when I retire anyway since I do expect to have my income keep going up, up, up...

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