(consider this) sandy currently earns wages of $20,000 per year. in her state, that qualifies her for $5,000 worth of housing credits, but those credits are withdrawn for anyone earning $22,000 per year or more. if sandy were to find a part-time job that earned her $3,000 per year, sandy would be worse off by $1,000 if she took the job. sandy would be better off by $3,000 if she took the job. sandy is equally well off financially whether she takes the job or not. sandy would be worse off by $2,000 if she took the job.