{"podcast":{"title":"Money Lessons with Andrew Temte, PhD, CFA","slug":"money-lessons-with-andrew-temte-phd-cfa-6946211","podcast_index_feed_id":6946211,"rss_url":"https://feed.podbean.com/saturdaymorningmuse/feed.xml","website_url":"https://saturdaymorningmuse.podbean.com","image_url":"https://pbcdn1.podbean.com/imglogo/image-logo/18433088/Podcast_Artwork_ML9tsgd.jpg","author":"Andrew Temte","episode_count":154,"summary":"Tune in every Saturday Morning, for Andrew Temte’s insights into personal and professional continuous improvement with a focus on improving financial literacy and financial decision-making.","last_synced_at":"2026-09-19T16:21:32.767166+00:00","page_url":"https://stenobird.com/podcast/money-lessons-with-andrew-temte-phd-cfa-6946211"},"episode":{"title":"Your Income Tax: Brackets, Withholding, and Your Refund","slug":"your-income-tax-brackets-withholding-and-your-refund","published_at":"2026-09-19T10:00:00+00:00","page_url":"https://stenobird.com/podcast/money-lessons-with-andrew-temte-phd-cfa-6946211/your-income-tax-brackets-withholding-and-your-refund","show_page_url":"https://stenobird.com/podcast/money-lessons-with-andrew-temte-phd-cfa-6946211","url":"https://saturdaymorningmuse.podbean.com/e/your-income-tax-brackets-withholding-and-your-refund/","audio_url":"https://mcdn.podbean.com/mf/web/hvt7ffv8x8xshyju/ML_919266fk9x.mp3","summary":"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","meta_description":"In this episode of Money Lessons, Andy explains how the federal income tax is calculated, starting with four definitions every taxpayer needs: taxable inc…","key_points":[],"chapters":[],"topics":[],"duration_seconds":917,"processing_state":"not_requested","actions":[{"name":"request_transcript","method":"POST","url":"https://stenobird.com/v1/public/podcasts/money-lessons-with-andrew-temte-phd-cfa-6946211/episodes/your-income-tax-brackets-withholding-and-your-refund/transcription-requests","description":"Idempotently request low-priority transcript generation for this episode."},{"name":"read_markdown","method":"GET","url":"https://stenobird.com/podcast/money-lessons-with-andrew-temte-phd-cfa-6946211/your-income-tax-brackets-withholding-and-your-refund.md","description":"Read the agent-friendly Markdown representation of this episode resource."}]}}