As your financial circumstances change, you need to evaluate your benefits and your paycheck to make sure you are getting the most for your money. For example, in the past it cost a lot more to put the family on the health insurance through my husband's work, but with a recent raise, and a bump in the tax bracket, the premium costs are now a wash, plus we reduce our taxable income by switching to the health insurance offered by his employer.
It is important to consider both the amount you are bringing home and the amount you are saving in taxes by doing different aspects of your paycheck. A budget with a careful spending plan will also help you to make the most of the money that you do bring home each month. It takes an active strategy of adjusting your withholdings and other benefits to help you make the most of the money that you are earning.