Calculate the change in monthly take-home pay when the following tax-deferred contribution is made. A couple is married filing jointly and has a taxable income of $130,000. The couple makes monthly contributions of $600 to a tax-deferred savings plan. Tax Rate 10% 15% 25% 28% 33% 35% 39.6% Standard deduction Exemption ner narson Married Filing Jointly up to $18,650 up to $75,900 up to $153,100 up to $233,350 up to $416,700 up to $470,700 above $470,700 $12,700 $4050 The monthly take-home payment is reduced by $1. (Simplify your answer.)