Can 'Personal Finance 101' Help Me Understand Taxes Better?

I happen to come across a popular post regarding a company's finance department on social media. "Seriously, that person in the sales department is such an idiot! All I wanted was to claim reimbursement under her name for the bag I bought, and yet she still refused! "Since she doesn't want me to reimburse my bag, then she can forget about reimbursing everything! This time, I'll teach her a lesson about what happens when she offends a member of the finance department!" There are many bashing comments in the comment section, but the original poster doesn't care at all. She continues adopting a haughty tone. "What am I scared of? The finance department is extremely vital to the company! I refuse to believe that the boss has the courage to offend me, the most important person alive, just to stand up for a sales employee who's easily replaceable!" As I stare at the familiar profile picture belonging to the original poster, I can't help but mentally sneer. She wants to suspend all of my reimbursements, huh? Go ahead, then! This time, I'd like to see what the consequences are for offending a member of the finance department!

My mom is an HR professional. She uses KPI to determine my entire life. "If you get into the top ten of your grade, you'll receive a B grade as well as a bonus of 500 dollars. If you can achieve a ranking at a state-level competition, you'll receive an A grade as well as a bonus of 1,000 dollars. Of course, if you can get into a top-tier university after scoring well in your SATs, I'll give you an S+ grade as well as a year-end bonus of ten thousand dollars!" I work my ass off in my studies and manage to earn the offer letter to a top-tier university. But that's when my mom puts a contract in front of me. "Congratulations on getting hired. From today onward, your allowances will be determined by the total of your base salary, KPI, as well as your full attendance award. "Your base salary is 500 dollars. It's to make sure that you won't starve to death, at the very least. In order to help you adapt to workplace stress in advance, I'll check on your progress randomly. If you don't meet my requirements, I'll deduct your salary." When I'm down with a fever of 104 degrees Fahrenheit, my mom deducts my full attendance award, claiming that my physical attributes aren't up to par. In order to catch up on my studies, I've completely forgotten to submit my weekly report to my mom. Because of that, she suspends my allowances. So, I have to sell my blood to a hospital behind her back just so I can survive. At the end of the school term, I show my mom my grades as well as the certificate to my scholarship, thinking that I'll be eligible for the highest KPI and the bonus. But that's when my mom tells me coldly, "The company has decided to give your S+ bonus to your younger brother as a form of investment. After all, he has more potential to achieve better results compared to you." As I gaze down at the 200-dollar consolation prize, I can't help but laugh. It turns out that I'm not even worthy of being recognized as a good employee in my mom's company.

Emily, age 24, feels like she's treading water, unable to find work and uncertain about her future. She's on the verge of giving up, plagued by worry and a string of dead-end jobs when fate steps in and introduces her to Nathan, a gorgeous young billionaire and a single parent. Nathan requires a personal tutor and nanny for his 5-year-old, intelligent, and beautiful daughter, Lilliana, who is having difficulty adjusting to life following her mother's death. When he gives Emily the job, it feels like a lifeline. As Emily encourages Lilliana with her studies and emotional issues, she discovers a passion for teaching that restores her sense of purpose. Meanwhile, Nathan, who has been entirely focused on his work and daughter, begins to lower his guard. He admires Emily's generosity and drive for the sake of his daughter, but he's also afraid of exposing his heart again. Is their encounter fate or a curse?

On the third day after our divorce was finalized, my ex-wife, Georgie Anderson, sent me a text message. [Why haven’t you transferred your salary from this month to me?] I thought she was joking. [We’re already divorced.] [So? What does it matter if we’re divorced? You should transfer nineteen thousand dollars from your twenty-thousand-dollar income, just like you did before. The remaining one thousand dollars will be your pocket money. When you were unemployed, I was the one who took care of you. Now that we’re divorced, you’re turning your back on me?] I stared at her text messages and fell silent for a really long time. Throughout our three-year marriage, I gave her nineteen thousand dollars out of my twenty-thousand-dollar salary. She was responsible for "budgeting" our household expenses. However, she spent my money on her civil service exam, afternoon teas with her besties, and even on her study partner, whom I’d never met. As for me, I handled all the house chores—cooking dinner, mopping the floors and doing the laundry. But when I took a little time after work to game, she would yell at me for being lazy. She was demanding money from me even after we were divorced. Her reason was that I might spend the money without thinking. I blocked her number. Three seconds later, she sent me a text message from another phone number. [You’ll regret this. I’m trying to help you one last time.] I laughed. ‘Helping me?’ I thought. Nobody had ever helped me in the past three years.

After I resign from a private company and move to work at an overseas company, my salary has increased by leaps and bounds. My wife, Vivian Spencer, who's always been smart about money, suggests that I turn in all of my salary. At the same time, she will decrease my allowance. Her reasoning is that she needs to use my salary on our family's daily expenses, so she can't spare me a single cent. As I watch Vivian record all the expenses dutifully, I can't resist asking, "What about your salary, then?" Vivian replies in a matter-of-fact tone, "I'm saving it up for our retirement pension." I don't bother responding afterward. Since then, I start spending every single cent of my salary, as per Vivian's suggestion. When Vivian notices the stream of packages being delivered to our home, she finally can't take it anymore. Upon hearing her question, I tell her happily, "You were the one who said that my salary is meant for our family's expenses!" Vivian exclaims in shock, "What sort of family do you think we are? As if we can afford to spend this much money every month!" What a joke. It turns out that Vivian knows that a regular family's expenses can't possibly drain every single cent of my salary in one go.

I was the stingiest rich wife in the city’s high society. I did not spend money on beauty treatments or travel. In fact, I did not even own a single decent outfit or a handbag. Everyone laughed at me. They said I had the fortune of a wealthy family but not the luck to enjoy it. However, what they did not know was that behind closed doors, Arvid Hans, who was famous for his lavish spending, was a hundred times stingier than I was. He piled on gold and jewels to keep up appearances in public. However, with me, he was a miser, refusing to spend a single extra penny. We split every expense down to the last penny. Every meal and every prescription required a receipt and an entry in the ledger. He said this was to help me develop a business mindset. He said that fairness and caution were the keys to a lasting relationship. While other wives were decked out in expensive jewelry, I was dressed simply. He said I was naturally beautiful and did not need such trinkets to enhance my looks. Even our housekeeper was hoarding gold for investment. Yet he kept me from touching a single penny, citing the Hans family’s tradition of being frugal. For three years of marriage, I lived like a devout nun, strictly adhering to the “rules of frugality” he had tailored for me. It was not until Christmas Eve, when I returned a day early from visiting my parents, that I discovered someone else had been living the life of luxury meant for me.