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ISBN: 0595654312Издательство: Writers Club Press
In 1999, according to IRS data, my family got into the first 5% of American households by income. Surprisingly, we were not rich. We still were uncomfortable about the time when our kids will go to a college, and our retirement plans were far from clear,but it was not too bad either. We were able to have what we need, keep accounting loose, and the balance on the checking account was still slowly but persistently coming up. In 2001, with the dot-Com melt, my company had downsized and I lost my job as a software developer. We started to live on my husband’s salary and every month became a struggle. Sounds familiar? Today many families find themselves in a complicated financial situation. Families who lived on two salaries, have to adjust to only one. Families who counted on stock options, now have to live on salary. But salaries don’t grow today as they used to, if they grow at all. And despite all the money you still bring home, and all the efforts you apply, you...