Turbo tax says my tax rate (fed income) was less than 12%. That’s not terrible. I don’t like paying taxes – but I do like freeways, education, a safety net for those less fortunate, etc.

Will probably pay a higher percentage next year for two reasons – losing the mortgage interest deduction (should have house paid off) and DH retired so no more deferring income into 401k/IRA for him… instead we pay on what he pulls out… and we’ll be pulling out extra to do roth conversions.