Taxes. The word sends shivers down your spine, baby. And with good reason, if you try to get tricky with the KGB (I mean the IRS). You gotta be careful what you claim on those W-2s, see? Otherwise you'll end up like Wesley Snipes. The law is after him for trying to cheat Uncle Sam to the tune of 12 million bucks in false refund claims and returns that he supposedly didn't file.

Some people may say that the government takes more than its share of the pie, and they may be right. But in the meantime, we live in the greatest country in the world; so if it takes 10 to 38 percent of your green to operate the Red, White and Blue, then so be it. It's just all the more reason to create a budget and make sure you pay just the right amount of taxes so the audit monster doesn't come knockin' at your door, jack. Just like Dave Ramsey says, be honest and on the up-and-up.