20% for taxes? What do you mean by taxes? Have you even filled out a tax return in a while?
We just submitted our 2016 Federal tax return and even though my wife works full-time and made more money that she ever has in her life, we paid less than $4,000 in Federal income tax on income north of $140,000.
If you are going to pay 20% on taxes on $80K or even $130K, then you are doing something terribly wrong. If you are paying more than 3%, you are probably doing something wrong, too.
With regards to the OPs personal situation...
I haven't posted here for quite sometime... but after reading this I have got to call BS.