Just about everybody has made the mistake of overestimating the money they think they have coming in. And then you learn the secret: there are costs that reduce your “take home pay”. Knowing what they are and when they kick-in can save you lots of headache. To make the most of what you earn, you need to really understand your pay and benefits. It’s not enough to simply know what you get paid; you need to know about the fine print and details of...