So you have spent a lot of time working hard and saving some money. Most of it is likely cash and the obvious question is what are you going to do with it. Well, first remember that your government wants its cut. If you live in the United States (or most other places), your money will be treated as taxable income. Even though you did all the work and already pay plenty of other taxes already; even though the government is only going to spend the money on things that you find morally objectionable or otherwise just waste the money on things that they shouldn’t be wasting money on; nothing in this chapter or in this book should in any way been seen as advice on how to avoid paying taxes or in any way be seen as a suggestion that you should disobey the law.