Right with the get-go -- this is my sales area. I know the legalities and practicalities of the offshore world better than all but, maybe, 500 experts . If you don't know one of these people (and none of them is with a internet trying to sell you something) then please for you to me with both ears. I was paid $78,064, which I'm taxed on for Social Security and Healthcare. I put $6,645.72 (8.5% of salary) in to a 401k, making my federal income taxable earnings $64,744. ...