# Your Income Tax: Brackets, Withholding, and Your Refund

Page: https://stenobird.com/podcast/money-lessons-with-andrew-temte-phd-cfa-6946211/your-income-tax-brackets-withholding-and-your-refund
Text version: https://stenobird.com/podcast/money-lessons-with-andrew-temte-phd-cfa-6946211/your-income-tax-brackets-withholding-and-your-refund.md
Podcast: [Money Lessons with Andrew Temte, PhD, CFA](https://stenobird.com/podcast/money-lessons-with-andrew-temte-phd-cfa-6946211)
Published: 2026-09-19T10:00:00+00:00
Episode link: https://saturdaymorningmuse.podbean.com/e/your-income-tax-brackets-withholding-and-your-refund/
Audio file: https://mcdn.podbean.com/mf/web/hvt7ffv8x8xshyju/ML_919266fk9x.mp3
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JSON: https://stenobird.com/v1/public/podcasts/money-lessons-with-andrew-temte-phd-cfa-6946211/episodes/your-income-tax-brackets-withholding-and-your-refund
Duration seconds: 917

## Resource

In this episode of Money Lessons, Andy explains how the federal income tax is calculated, starting with four definitions every taxpayer needs: taxable income, the tax bracket, the marginal rate, and the effective rate. He works a single filer's 2026 tax one bracket at a time to show why someone in the 22 percent bracket pays about 13 percent, and why a raise never leaves you with less after tax. From there he explains how an employer estimates withholding every payday, why a refund is your own money coming back without interest, and how the Form W-4 lets you change that estimate at any time. AndrewTemte.com

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## Transcript

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