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Imagine it's payday! A check has been deposited into your account. You might even go out for a cocktail because you feel 'rich' again and your bank account doesn't seem so pitiful.

But ask yourself, honestly, where does your hard-earned money go first?

Bills? The first thing most of us do is make sure all our bills are paid then we will divvy up whatever is left. Some of us scramble to pay the bills, living paycheck by paycheck. But our money doesn't go to bills first. Think again.

You're paying the government first.

In TAXES.

For most, a whopping 30% of your moola never reaches your bank account.

So let me get this straight. You spend 40

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