You need two incomes to make it these days, and sometimes even two isn't enough. How many times have you heard 'them' say that? Well, maybe 'they' are wrong.

Remember, having a job actually has costs. Additional income puts you in a higher tax bracket. You need those power suits, shoes, lunches at work, that second car to get you there, etc. Then there are those extra expenses like eating out because you don't have the time or energy for cooking, etc. Also, if you have young children, you have the extra babysitting and day care services to pay for. Then again, no hired caretaker can substitute for parents, and even older children may need your presence to keep them out of trouble.

The author takes you step-by-step through the process of determining how much money, if any, you really get to keep after taxes and expenses. You may even discover that second job is actually losing you money.