I'm betting you've already felt the sharp pain in your wallet from the expiration of the Social Security payroll tax break. Perhaps some of you have given up your daily $5 morning cup of joe to make up for the $20 decrease in your weekly paycheck (based on $50,000-a-year earnings). Or maybe you're just learning to live with less, now that the payroll tax has returned to its traditional 6.2 percent rate.
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