Introduction
Every year, more than 130 million Americans face one of life’s most dreaded tasks: filing their federal income tax returns.
But the truth about taxes is that they are much more than a once-a-year ordeal. They are constant, albeit uninvited, companions in our lives.
Taxes and their real-life effects began on day one, when our delivery room cries signaled a new tax break for our parents. And taxes continue to share our lives as we get and change jobs, start our families, increase our assets, and make plans to help ensure the financial future of our heirs.
At every one of these major milestones, the tax opportunities and pitfalls are myriad and their financial implications are huge. Yet most of us try to deal with taxes as ...
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