That chart suggests that at pretty much every income level you&#x27;re better off (in financial terms) earning more. Over most of its range it looks like d(benefits)&#x2F;d(income) is no worse than about -0.1.<p>The other factors you mention will of course make a difference, but I&#x27;m not seeing anything that comes close to justifying the statement that you don&#x27;t get into positive returns until $100k&#x2F;family&#x2F;year.