ut　later　find　themselves　struggling　financially。　They　work　harder；　but　don't　get　ahead。　What　is　missing　from　their　education　is　not　how　to　make　money；　but　how　to　spend　money…what　to　do　after　you　make　it。 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。　A　person　can　be　highly　educated；　professionally　successful　and　financially　illiterate。　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。

The　story　of　bow　the　quest　for　a　Financial　Dream　turns　into　a　financial　nightmare。　The　moving…picture　show　of　hard…working　people　has　a　set　pattern。　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　as

one。

The　problem　is；　the　apartment　is　cramped。 They　decide　to　save　money　to　buy　their　dream　home　so　they　can　have　kids。　They　now　have　two　ines；　and　they　begin　to　focus　on　their　careers。

Their　ines　begin　to　increase。

As　their　ines　go　up。。。their　expenses　go　up　as　well。

The　No。　1　expense　for　most　people　is　taxes。　Many　people　think　it's　ine　tax；　but　for　most　Americans　their　highest　tax　is　Social　Security。　As　an　employee；　it　appears　as　if　the　Social　Security　tax　bined　with　the　Medicare　tax　rate　is　roughly　7。5　percent；　but　it's　really　15　percent　since　the　employer　must　match　the　Social　Security　amount。　In　essence；　it　is　money　the　employer　cannot　pay　you。 On　top　of　that；　you　still　have　to　pay