n； the child goes to places where other young people just like them hang out； and they meet people； they date； and sometimes they get married。 Life is wonderful now； because today； both men and women work。 Two ines are bliss。 They feel successful； their future is bright； and they decide to buy a house； a car； a television； take vacations and have children。 The happy bundle arrives。 The demand for cash is enormous。 The happy couple decides that their careers are vitally important and begin to work harder； seeking promotions and raises。 The raises e； and so does another child and the need for a bigger house。 They work harder； bee better employees； even more dedicated。 They go back to school to get more specialized skills so they can earn more money。 Maybe they take a second job。 Their ines go up； but so does the tax bracket they're in and the real estate taxes on their new large home； and their Social Security taxes； and all the other taxes。 They get their large paycheck and wonder where all the money went。 They buy some mutual funds and buy groceries with their credit card。 The children reach 5 or 6 years of age； and the need to save for college increases as well as the need to save for their retirement。 。
〃That happy couple； born 35 years ago； is now trapped in the Rat Race for the rest of their working days。 They work for the owners of their pany； for the government paying taxes； and for the bank paying off a mortgage and credit cards。
〃Then； they advise their own children to ‘study hard； get good grades； and find a safe job or career。' They learn nothing about money； except from those who profit from their na飀et？ and work hard all their lives。 The process repeats into another hard…working generation。 This is the ‘Rat Race'。〃
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