lower income bracket

Higher taxation also affects them less since they tend to be in a lower income bracket.

高税赋对于身处相对较低收入阶层的她们也具有较少的影响。

If you don't have a 401 (k) plan, lean toward a vehicle such as a Roth IRA, where you pay the taxes now, when you are in a lower income bracket, and take the money out tax-free later.

如果你没有一份401 (k)计划，可以用例如roth IRA这样的工具，在这一计划中现在你要税，当你是较低收入阶层的话，取出来的时候算免税。