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Do you recall the first paycheck you received after working very hard for at least a week or two?  You probably were shocked at how little your net pay amount was in comparison to the promised $10.00 per hour.

Earning, the first principle of financial literacy is all about understanding your gross pay versus your net take home.  It is the knowledge you acquire once you understand individual tax, federal, state, local, school, etc., and all other withholding that get deducted from your paycheck.

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