Reality check: FICA and FUTA

Grandma’s collage of their cornfield south of their house. I did not detassel here. My grandparents would not have appreciated the gesture.

No one detassels for fun. Well, maybe the crew leaders do, but not the worker bees. (I didn’t stick around long enough to be a crew leader.) The only incentive is pay, which came as a lump sum at season’s end.

I was so excited when my first paycheck came in the mail. I was primed to shop for school clothes.

Then I saw the big chunk Uncle Sam had bitten out of my check. I was shocked at the size of my tax bill. Then I comforted myself by saying, “Oh, well, I’ll get it all back when I file my tax return.”

Mother said, “See those lines for FICA and FUTA? You won’t get those back. FICA is Social Security, which you won’t see until you’re 65.”

At 14, 65 seems forever away. (And now I must reach 67 before I qualify — if Social Security still exists!)

“What does FUTA mean?” I asked.

“That’s unemployment insurance. You don’t qualify for it, either.”

Welcome to the real world.