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Percentage of income would move to 8.2% for the single, 3.8% for the married, and 11.3% for me personally. Contributing a deductible $1,000 will lower the taxable income for the $30,000 1 year person from $20,650 to $19,650 and save taxes of $150 (=15% of $1000). For the $100,000 every year person, his taxable income decreases from $90,650 to $89,650 and saves him $280 (=28% of $1000) - almost double! For my wife, she was paid $54,187, which she isn't taxed on for Social Security or Healthcare.
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