Where did you get these #s from? This is a progressive tax and only affects income above the threshold. If you make 150k as a single earner, you don’t pay 1.5% on 150k, you pay 1.5% on 150k-125k, or 1.5% of 25k which is $375. And that’s if you didn’t reduce your income in other ways (401k contributions, pretax health or child care, HSA, etc.)