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2) Twins Sandy and Shelly early the same yearly income, $40,000 and live in New York. Sandy is self-employed. Shelly allocates $500 per month to

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2) Twins Sandy and Shelly early the same yearly income, $40,000 and live in New York. Sandy is self-employed. Shelly allocates $500 per month to a pre-tax retirement account. Who pays more in taxes, and how much more do they pay

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