Haha, I will give a try: 15W salary, 0.77% effective rate.

150K, 2 kids, on in college, one under 13, governement jobs.

403B: 16.5kX2=33K, 457: 16.5kX2=33K. Pension:150KX0.05--0.1=7.5K-15K. Let's set 10K.

Leftover: 150-66-10=74K (good enough to put 10K in tradition IRA)

So, AGI is 64K.

64K-std deduction ( not itemized, ok)-4X3300=40K

TX for 40K: 5154 dollar tax.

Credit: American opportunity Credit: 2500, child credit 1000, dependent care credit: cost X 0.2=500, so credit is 4000.

Effective tax rate: (5154-4000)/150000=0.77%

Folks, don't assume you can calculate other's income based on your own situation. Sure, a wide margin if you are happy with it.