Financial wisdom isn’t something that always comes easily. Our wants supersede our needs, our needs exceed our income, and managing it all in between gets to be a bit cumbersome. At the bare minimum, applying a bit of common sense can make the difference between successful money management and financial ruin. But at the outer reaches of the complexities of high finance, it can require some financial wizardry to get a handle on things and make the complex understandable.
I recently made my yearly trek to my financial guru for that most favorite of American past times. That’s right, doing taxes. What did you think I was going to say? Is there another American past time? Nevertheless, the fun of doing taxes is self-evident. That’s why I don’t do them; I have someone else do them for me. Actually, mine aren’t even that painful, but with the complexities of our tax code and all the ins-and-outs of exemptions, and new laws, and head-scratching regulations, I’d rather just leave it all to an expert. I toss my requisite documents before him, and at the end of it all, he’s the bearer of good news: “You’re the proud recipient of a bouncing baby tax refund.” At least it leads to a happy ending. And the clarity of it all gets lost in the numbers. The part that Uncle Sam so conveniently leaves out is that the money he’s giving me was actually mine all along; He’s just been “generous enough” to let me keep more of it this year. Thanks. I think.
It’s easy to complain about our financial obligations, but the ones we have no control over—well, that takes the cake. What gives these governmental overlords the right to siphon my income into their coffers, and then have the gall to act like they’re doing me a favor the entire time? That’s a bit over the top. I mean, what are they doing with all this money anyway?
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Part of the problem could be that, like the usual satisfied customer in a normal transaction, I’m not sent an itemized receipt for what I just purchased. It all gets dispersed to the various needed agencies with somewhat obscure results. I don’t see what part of my taxable income purchased how much of which school, or what part of each road, or what section of pipe for the city sewer. In essence, I’m not sure what I’m buying, I just know that I need to buy it. I suppose that’s what leads to our consternation at tax time. We’re not the usual satisfied customer—we don’t get to keep a watchful eye on a specific product or service and then also keep a keen eye on its execution. It’s poured into the top of the hopper, while the gears of government churn it up, and it all oozes out the other end in a mixed amalgam of public services. I think that’s how sausages are made too, which could be another source of our discontent. But I digress.