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On top of that, you still have to pay income tax on the amount deducted from your wages for Social Security tax, income you never receive because it went directly to Social Security through withholding. This is best demonstrated by going back to the young couple. A loan company calls and says their greatest "asset," their home, has appreciated in value.

As a result of their incomes going up, they decide to go out and buy the house of their dreams. More money and higher taxes, also called bracket creep, A credit card comes in the mail. The company offers a "bill consolidation" loan, because their credit is so good, and tells them the intelligent thing to do is clear off the high-interest consumer debt by paying off their credit card.

Get paid forum posting jobs can also help you to make money and boost your income.

These people often work harder than they need to because they learned how to work hard, but not how to have their money work for them.

Recently married, the happy, highly educated young couple move in together, in one of their cramped rented apartments.

Immediately, they realize that they are saving money because two can live as cheaply asone. They decide to save money to buy their dream home so they can have kids. Many people think it's income tax, but for most Americans their highest tax is Social Security.

It's called financial aptitude-what you do with the money once you make it, how to keep people from taking it from you, how long you keep it, and how hard that money works for you.

Most people cannot tell why they struggle financially because they don't understand cash flow.

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