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                <!DOCTYPE HTML>
<title>The Tax Book (all in one page)</title>
<h1>The Tax Book</h1>
<h2>Earning money</h2>
<p>Earning money is good.</p>
<h3>Getting a job</h3>
<p>To earn money you typically need a job.</p>
<h2>Spending money</h2>
<p>Spending is what money is mainly used for.</p>
<h3>Cheap things</h3>
<p>Buying cheap things often not cost-effective.</p>
<h3>Expensive things</h3>
<p>The most expensive thing is often not the most cost-effective either.</p>
<h2>Investing money</h2>
<p>You can lend your money to other people.</p>
<h2>Losing money</h2>
<p>If you spend money or invest money, sooner or later you will lose money.
<h3>Poor judgement</h3>
<p>Usually if you lose money it's because you made a mistake.</p>