THE TRUTH: Outgo is up. Income is down even if it is up. The cost of living rises faster than a flood when your river house is two feet above the water line. Health care is going to get more expensive – just believe me. Plastic/paper bags at the grocery are going away or costing you a goodly sum. Credit card rates and/or fees or both are going up. Banks are lending less, your ability to borrow money is decreasing, and more and more roads and highways have tolls. Insurance will cost more and provide less benefit, and the cost of doing business is on the rise. Taxes are exorbitant, movie prices are…