[oliwarner]

Don't get hung up on tax brackets and the loss of personal allowance. They look scary and you end up paying more tax (obviously) but you do continue to earn more money.

£100k nets £68.5k and £150k nets £91k. You're still taking loads more money home.

As you have children and start to do things with them, you will appreciate the things taxes occasionally get spent on more. Starting with the hospital, but more everyday things like school and libraries.