Automatically translated.View original post

90% don't know. The truth of annual income.

"I'm working hard, but

I have less money than I thought... "

That, maybe

Maybe it's because of the annual income wall.

The annual income wall.

Somehow "only 1.3 million"

Many people think so, but

Actually

✔ 1.06 million

✔ 1.1 million

✔ 1.3 million

✔ 1.5 million

✔ 1.78 million

✔ million

There are six

And what's scary is

there is a line that loses just a little over

✔ Social Insurance increased by more than 200,000 annually

✔ resident tax charged later

✔ out of support, the burden increases at once

Working without knowing

In a state of "decreasing even though I tried hard..."

so the important thing is

Deciding how far to work.

✔ work safely within the dependents

✔ work on the premise of earning well

Just decide between these

Waste loss can be prevented

Working somehow

The most wasteful

So I can look back later

Put it away gently 🍀

。........................................................

Mama's work style design that doesn't cut

Former child support worker for 17 years / Mother of 2 children

Structuring Home Income from Marginal Retirement

Rearrange the way of working from thinking

Create a life that does not cut, with a mechanism

。........................................................

Fighting against rising prices

My time alone.

I trimmed my house.

# mom # parenting

Annual Income Wall 2026

4/21 Edited to

... Read moreこの記事を読んで、「年収の壁」が複数あることを初めて知った方も多いのではないでしょうか。実際、私自身も主婦として働き始めた頃は130万円の壁だけが重要だと思っていましたが、106万円や110万円の壁で思わぬ負担が発生することを知って驚きました。 特に社会保険の加入条件は2026年10月に変わることが予定されており、これによりパートでの働き方も見直す必要が出てきます。週20時間以上、月8.8万円以上の収入がある場合は、社会保険に加入しなければならず、年間約15〜20万円の負担増になることもあるため、収入の差し引き計算は必須です。 また、110万円の壁を越えると住民税が発生しますが、これは翌年に請求が来るため、実際の手取り額とのズレに戸惑うことも。住民税は地域によって異なるため、具体的な金額を市区町村のホームページなどで事前に調べておくことが安心です。 130万円の壁は最も知られているかもしれませんが、扶養から外れることで健康保険や年金の自己負担が増え、一気に負担が重くなります。ここを超えるなら、しっかりと稼ぐことを前提に計画を立てることが重要です。 150万円から201万円の範囲では配偶者控除が徐々に減っていくため、急な負担増ではありませんが、ジワジワと手取りに響いてきます。税制改正の動きもあるので、毎年の情報チェックも欠かせません。 私の経験では、これらの「壁」を意識しながら、扶養内で無理なく家計を補う働き方か、それとも社会保険を負担してでもしっかり稼ぐ働き方か、どちらかに絞ることが大切です。中途半端に壁の近くで収入を増やしてしまうと、かえって手取りが減ることがあるので要注意。 この記事を通じて、具体的な年収ラインごとの支出増や税負担を理解し、ご自分の働き方設計に役立てていただければ嬉しいです。私もこれからも最新の情報を収集しながら、損をしない賢い働き方を模索していきますので、一緒に情報を共有し合えたら心強いですね。

Related posts

Why your money disappears every time you get paid…it’s not your income
Most people don’t have a money problem…they have a habit problem👇🏾 Bad habits = spending before saving Lack of discipline = Not sticking to a plan Inconsistency = starting over every week Fix those 3 things and your money will start acting different ✅ ✨Remember 👉🏾 Your habits create co
BaddieonaBudget101💖

BaddieonaBudget101💖

1467 likes

The truth about building income online as a mom
I’ve tried earning income online in different ways before, but I never found something that truly felt sustainable or created the kind of freedom I wanted for my family. What was missing for me was the right business model, mentorship, and support. That’s what I found in high-ticket sales.
Ali

Ali

0 likes

PART 3: The Truth Many Don’t See About Content Creation.
What you see online… isn’t the full story. Behind every post, every video, every “effortless” moment — there’s planning, pressure, discipline, and things you’ll never see. People assume a lot about influencers… without understanding what it actually takes to show up consistently. The tru
Aisha .T Cleaners & J Advocate

Aisha .T Cleaners & J Advocate

6 likes

A person with dark hair looks directly at the camera, crouching on a carpeted floor. Overlay text reads: "5 things I WISH I KNEW before starting a youtube channel."
A person holds up a striped shirt, looking surprised, with a bed and shoes in the background. Overlay text includes: "All my clothes are ugly... help," "the thumbnail is half the battle," and "affordable."
A bedroom scene featuring a bed, a nightstand, and various lighting equipment including a large ring light and a softbox. Overlay text reads: "lighting>>."
the ugly truth of starting a youtube channel
i realize a lot of this might sound harsh, and i don’t mean it to be, this is more of the technical stuff in regards to youtube. your vibes and authenticity is not something i’m here to talk about or judge in this episode, this is more specific things that youtube likes or doesn’t like! 1. the t
teasabi

teasabi

1240 likes

The truth about selling digital products
Can I be honest with you for a second? When I first put my digital products up I thought the hardest part was making them. It wasn't. The hardest part is showing up consistently enough that a complete stranger starts to trust you. That's the whole game. Not going viral. Not having
Julia | Scrubs to Side Hustle

Julia | Scrubs to Side Hustle

1 like

extra income
Have you ever wondered if you need years of experience before starting something new online? I used to think the same way. What I discovered is that most people don’t start because they feel they need to know everything first. The truth is that learning often happens during the journey, not b
PholarAde Digital Mentor

PholarAde Digital Mentor

1 like

The image features the title "REALISTIC SAVINGS GOALS WHEN YOU'RE LOW INCOME" in purple and green text, with money-themed stickers, set against a background of blinds and a lamp. It emphasizes achievable financial goals.
Against a green plant background, the image advises to "DITCH UNREALISTIC NUMBERS," stating that low-income savings goals should focus on stability, not perfection, and help ease financial stress.
Displayed against a ceiling with a fan, the image lists "WHAT REALISTIC GOALS ACTUALLY LOOK LIKE," including a $250-$500 emergency fund, saving one month's bill, $10-$25 per paycheck, and covering unexpected expenses.
realistic low income savings goals 💸💲💚
When you’re low income, saving money can feel impossible — especially when social media pushes huge numbers and unrealistic timelines. The truth is: realistic savings goals matter more than big ones. Instead of focusing on how much you wish you could save, focus on goals that improve your daily
Jessica | LIFESTYLE 💕

Jessica | LIFESTYLE 💕

245 likes

Most Financial Problems Aren’t Income Problems.
A lot of people think building wealth is complicated. But most long-term financial success comes down to a few simple principles repeated consistently over time. Not hype. Not gambling. Not chasing shortcuts. Discipline. Things like: * saving before spending * avoiding lifestyle c
Steven Bou

Steven Bou

87 likes

The Truth About Saving on Minimum Wage
You can save on minimum wage. But it won’t look like what social media shows. It will be: • Slower • Smaller • Still powerful Saving isn’t about how much you make. It’s about the systems that protect what little you have — consistently. Tiny transfers. Weekly check-ins. Choices that
Cindy

Cindy

189 likes

The truth about making money online
One of the biggest myths about making money online is that you need a fancy website, thousands of followers, or to be some kind of tech expert. The truth is… you don’t. You don’t need a huge audience. You don’t need expensive ads. You don’t need to spend months trying to figure everything o
Frances Flores

Frances Flores

22 likes

A young woman with curly dark hair smiles while taking a mirror selfie. Red and white text overlays read "4 THINGS YOU SAY... AND WHAT GOD SAYS TO YOU," introducing a discussion on God's truth.
A vibrant field of yellow dandelions with text comparing "what you say: There is nothing special about me" to "what God says to you: I have made you special. Isaiah 46:4."
A vibrant field of yellow dandelions with text comparing "what you say: I cannot go one more step" to "what God says to you: I will carry you. Isaiah 46:4."
here’s the TRUTH God wants you to know! ♥️
Hi friends!!! Let the verse of Isaiah 46:4 be a source of comfort and strength that you can always refer back to. 🫶🏽☕️🧸 It’s so easy to get caught up in the lies we tell ourselves. The world can lead us to comparison, burnout, doubt, and confusion. That’s why it’s so important to remember th
Isabella Nordstrom

Isabella Nordstrom

5596 likes

The Truth About Passive Income No One Tells You
Let’s be honest… Digital products are not passive in the beginning. You don’t just post once and go viral. You build, test, and refine until something works. Here’s what actually makes people money: • Create → test → adjust → repeat • Pay attention to what gets saves & engagement
Prettyprofitboutique

Prettyprofitboutique

2 likes

The Truth Most People Avoid (And It’s Costing Them
It blows my mind how many people say they want more… but refuse to move different. • They complain but won’t change • They scroll but won’t take action • They want freedom but stay comfortable Make it make sense. I’m not better than anyone… I just decided I wasn’t staying stuck. There
Nay_Nay (glow✨getter)

Nay_Nay (glow✨getter)

0 likes

Maximize your income as a UGC creator 💸✨
The truth about gifted PR & why you should be thriving for paid collaborations —> When I first started my UGC journey, I took any package from any brand I could get. In return, I was basically doing free work. For most UGC creators, the dream is to do UGC full time so you don’t have
Erin Leeper

Erin Leeper

24 likes

The TRUTH about being a Military Spouse
When you become a military spouse, whether that be you met them way before and they decided to join or you met them while serving, life is no longer the same. Here are some TRUTHs (and maybe some opinions) about life as a Military Spouse: 🪖TRUTH IS you will experience long distance at some poin
E L I Z A B E T H ❀

E L I Z A B E T H ❀

27 likes

How Women Can Turn Their Knowledge Into income
If you’re a woman tired of watching other people make money online while you’re still confused about where to start… this is for you. The truth is, your knowledge, skills, and experience can become a digital product that generates income online. You don’t need to be an expert. You just need t
travel agent|digitalmama

travel agent|digitalmama

0 likes

Truth about making money online
Here’s the truth about how I make money online in 2025…   I don’t have a huge following.   I don’t spend hours making content.   I don’t sell my own products.   What I do is something almost anyone can start:   Affiliate marketing.   I promote products I believe in.   When some
Willg

Willg

2 likes

The truth about working 20+ years
I'm learning digital marketing through Boss Suite. There's a free sneak peek linked in my bio if you want to see what I'm working through. Because at 40+, we don’t jump into things blindly. We research. Then we move. I’m finally learning skills that don't rely on overtime or
✨Jenspiration✨

✨Jenspiration✨

7 likes

This Simple Quote Page Replaced My 9-5 Income
I had no clue you could actually make money doing something so simple. I was working my 9-5, exhausted, scrolling through quote pages just to escape for a few minutes. You know the ones the “you deserve better” or “this isn’t the life you have to settle for” type of posts that hit way too deep a
Samia

Samia

4 likes

Hard Truth If you want to start your own business
Hard Truth & Keeping it Real I've said this before, and I will say it again. If you know that you are not a self-starter, not consistent, not patient, don't treat this like the business it is then starting any business is not for you unless you improve in those areas. Like anyth
Jennifer

Jennifer

0 likes

If you've been praying for a way go make extra income👇
Dear Lord🙏 if the person reading this needs to make extra income because they're struggling or their 9-5 isn't covering all the bills.... send them my way & I'll help them🩷 If you've been praying for a way too, you don't have to figure it out alone. I prayed this same
Laarni Tan | Make Money Online

Laarni Tan | Make Money Online

5 likes

26 Passive online income streams in 2026.💸
Captions Must read this 👇 Everyone wants freedom… but very few build income that works without them. If you’re still trading time for money in 2026, you’re already behind. The truth? Multiple income streams isn’t a luxury anymore—it’s survival
@SmartMoneyAi

@SmartMoneyAi

321 likes

7 harsh truth you learn about money in your 20s🖤
Nobody warned me how much your early 20s would test your relationship with money 😭 Half the stuff I struggled with wasn’t even “money issues”… it was habits, discipline, and trying to keep up with people who were pretending. These are the 7 truths that humbled me the most — and honestly helped
minttalksfinance

minttalksfinance

78 likes

To Be Honest, This Truth Might Sting A Bit…⬇️
This might some hurt some feelings but if you’re complaining about having to do something that you GET to do from home that makes you money, I’ll never understand. Or if you’re avoiding starting that business or learning how to do that one thing that’ll increase your income because you’re scared
TannerClemensCo

TannerClemensCo

2 likes

The Truth About Car #Financing:
What You Can't Afford 📛 #credit #cashflow #cashflow #wealth 💵
King Willie

King Willie

0 likes

💸 The Power of Earning Extra Income
The impact of an additional income stream might surprise you… Look at what just a few hundred dollars a month can really do 👇 ✨ $300/month = $3,600/year ✨ $500/month = $6,000/year ✨ $1,000/month = $12,000/year ✨ $2,500/month = $30,000/year ✨ $5,000/month = $60,000/year ✨ $10,000/month = $1
Amanda Renee

Amanda Renee

0 likes

The real truth about side hustles.
Digital marketing isn’t spam. It’s skill. The people who treat it like a lottery ticket quit. The ones who treat it like a skill set win. If you want the real breakdown — say REAL. #DigitalMarketingTruth #SideHustleOver40 #EmptyNesterIncome #OnlineBusinessReality #RebuildingLi
Amber ~ Digital Mentor

Amber ~ Digital Mentor

0 likes

A young woman with blonde hair sits on a couch, holding a mug that says 'FOR A QUEEN'. The overlay text states, 'MOST PEOPLE DON'T FAIL WITH ONLINE INCOME BECAUSE THEY "CAN'T DO IT." QUEEN', reflecting the article's theme about overcoming initial hurdles in online ventures.
I’m going to be real with you — most people don’t fail with online income becaus
They fail because they never actually start anything that’s simple enough to finish. That’s exactly why this caught my attention. The KDP Coloring Book Money Machine removes a lot of the overwhelm that usually stops beginners dead in their tracks. No, it’s not “get rich quick.” But it is
Herwayytomakeabagg

Herwayytomakeabagg

0 likes

Turn your idea into income in 30 days ✨
If you’re tired of starting over… tired of overthinking… tired of having ideas that never turn into anything… this is for you. Because the truth is — you don’t need more ideas. You need a clear, simple plan to follow. That’s exactly what this 30-Day Digital Business Launch Planner give
teisa🌺

teisa🌺

2 likes

The Hard Truth No One Tells Single Moms
I was watching my child sleep when this thought crossed my mind… I’m their only provider. There’s no second income. No backup plan. No one else carrying this responsibility with me. It’s just me. And in that moment, I realized something I couldn’t ignore… If something ever happened t
Maurine (MO)|Licensed Advisor

Maurine (MO)|Licensed Advisor

0 likes

I Thought an Online Business Was Just About Income
🎉 One thing I’ve learned is that starting an online business isn’t just about earning extra income. For many people, it’s about having more options. Some people start because they want more flexibility around their work schedule. Others want to learn new skills that can be used in today’s
Okoye Digital

Okoye Digital

1 like

See more