INTRODUCTION

Hey newlywed—congratulations on your recent wedding!!!  It took marriage to finally get you to move out of your parents’ house.  YIPPEE!!!  You’ve been single for quite a while and earning a nice income. Now you’re married and your spouse has a nice income too.  You should—you both went to college and have nice jobs.  However, after doing your income taxes recently, you realize that DINKS (Dual Income No Kids) get slammed in taxes when they have no deductions.  So, you and your spouse start discussing ways to increase your deductions in order to save on income taxes.  You start toying with the idea of buying a house.  After all, owning a home is the American dream.