se；　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'。〃

The　only　way　to　get　ou