taking home 60% of your gross pay in this job is unlikely. Your effective federal tax rate is probably close to 25% (I could do the math but don’t feel like it), state tax in Illinois is 6%, FICA takes 6% up to 168,000 this year, FERS is 4.9%, and if you do agency match that’s another 5%. That’s over 40% right there and I haven’t even talked about healthcare, union dues, life insurance, etc. My point is Level 12 ATCs are the top 5% of earners in the US and right now even an average home in a Chicago suburb with our pay is ~33% of our take home per month. That’s insane. Can we make the payment? Certainly. Would I consider myself rich? Far from it