I teach school for 40 grand a year before taxes.

[lacrew]

76. These two statements do not agree with each other

"Self-employed: pay 15% SS-NO deductions So at $40,000 a year : 10% income tax total + 15% Payroll SS tax = 25% ALONE"

and

"I was adding the part about Self employed not applying it to OP"

Unless we are conincidentally talking about another imaginary person who happens to make the same amount as the OP...and we are discussing it on the OP's thread....which I suppose is possible.

But its this statement which still convinces me that you did not read my post at all:

"SEmployed SS tax rate is roughly 15%. Employees pay half that."

You will find in my post that this is just plain incorrect. There is no nuance to this...just the mechanics of the SE form. Plain. And. Simple.

It does no good to repeat incorrect information....in fact, it reduces the credibility of the argument.