Just assume I'm right and you are wrong. For example, do you know what the new standard deduction is for a married couple? The answer is no you do not. Here this is for you
Doubling down on stupid I see. Of course I know what the new standard deduction is stupid shit. Do you know what the new personal exemption is? And your calculations on the sixty grand couple were wrong. They would have to pay $5,225.25. But if the sixty grand would have been long term capital gains they would have paid ZERO. Not only that, they could have had a hundred grand in capital gains and paid ZERO in taxes.
Think about that for a moment. You have one couple, retired in Florida, that take capital gains each year that are equivalent to $8,000 a month. They have a 401K but since they are under 70 and a half and their financial consultant sucks ass, well they just continue to let it grow.
Then you have another couple, worked hard all their life and manage to build a little 401K. They draw five grand a month, three grand less than the other couple. But they have to set aside over four hundred dollars a month to pay taxes. In what damn world does that seem appropriate?