Median family (Average Joe) income in 2025 was $87,460. That is the point where half the families make more and half the families make less.

Standard deduction for 2025 was $31,500, leaving about $56,000 taxable.

If this were a couple, the first $23,850 was taxed at 10%. The last $32,150 was taxed at 12%.

Nowhere near 28%. And then there are credits for a lot of people.