The higher rate gets charged only on the portion above the threshold. So with those rates someone earning 192k pays ($191k * .24) + ($1k * .32) = $46,100 not ($192k * .32) = $61,400.
Where you can be worse off earning more is if it puts you over a threshold for some social services (food stamps for example) with a hard cutoff rather than progressively lower benefits.
There are ~100 symbols on the US keyboard, many not permitted in a lot of online passwords (stupidly).
There are 11 words in the “passphrase”. Fight, letter, open, urge, weapon are not in the 100 most common English words. Urge is not in the 1000 most common English words (let alone fights vs fight, or opener vs open).
I think it would be a fairly strong password. You can reduce the entropy a bit by predicting likely next words in a sequence, but that would be defeated by adding some non sequitur(s). “fights the urge to use a letter opener as a scooter” or something.
Capitalization, intentional typos, spaces or not, ending punctuation? There a for sure ways to improve it as a password while still keeping the easy to remember, easy to type aspect. Overall it’s a great strategy to teach people for making passwords.