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ine tax on the amount deducted from your wages for Social Security tax； ine you never receive because it went directly to Social Security through withholding。 Then； their liabilities go up。
This is best demonstrated by going back to the young couple。 As a result of their ines going up； they decide to go out and buy the house of their dreams。 Once in their house； they have a new tax； called property tax。 Then； they buy a new car； new furniture and new appliances to match ＇heir new house。 Ail of a sudden； they wake up and their liabilities column is full of mortgage debt and credit…card debt。
They're now trapped in the rat race。 A child es along。 They work harder。 The process repeats itself。 More money and higher taxes； also called bracket creep； A credit card es in the mail。 They use it。 It maxes out。 A loan pany calls and says their greatest 〃asset；〃 their home； has appreciated in value。 The pany 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。 And besides； interest on their home is a tax deduction。 They go for it； and pay off those high…interest credit cards。 They breathe a sigh of relief。 Their credit cards are paid off。 They've now folded their consumer debt into their home mortgage。 Their payments go down because they extend their debt over 30 years。 It is the smart thing to do。
Their neighbor calls to invite them to go shopping…the Memorial Day sale is on。 A chance to save some money。 They say to themselves； 〃I won't buy anything。 I'll just go look。〃 But just in case they find something； they tuck that clean credit card inside their wallet。
I run into this young couple all the time。 Their nam
