It's interesting that in U.S and probably in other countries people talk about their annual salaries. Where I live we talk about our monthly salaries after all taxes have been deducted. So when I look at his last number $189,000, how can I convert it to actual monthly income(or are Americans payed/paid two times a month?). Probably I have to deduct income tax and health insurance, right? And there is also this 401k. Or are there any other hidden taxes that workers in U.S. have to take into consideration?