system. I say this as someone who's firmly planted in the penultimate lowest income tax bracket yet makes charitable contributions realizing that there are those far worse off than I.Phil Good post, Phil, one with which I can agree. You are in the 15% bracket? Our planning for 2007 was that we would be in the 15% bracket. Then DW went nuts and sold a bunch of drapery (She is an interior decorator - designer if you prefer that word) and we wound up in the 28% bracket. Life is so unfair. I was planning to take a large withdrawal from my IRA and convert to Roth, but as the poet said, "The best laid plans ..." So for 2008 I am in RMD land. Actually, I would love for her to get really nutso and put us in the 33% bracket. But, why be a a piker? Why not 35%cliff
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