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⚙️ Tax rate assumptions
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💡 Rate guide for self-employed brokers
These are estimates — your actual tax depends on deductions, filing status, and income level. As a starting point:

Low income (<$44k net): Federal ~12%, SE 14.13%, State varies
Mid income ($44k–$89k net): Federal ~22%, SE 14.13%, State varies
High income (>$89k net): Federal ~24–32%, SE 14.13%, State varies

Update these rates as your income grows — moving into a higher bracket can significantly increase what you owe. Always verify with your CPA or accountant at tax time.
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