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The two themes Ellis has identified in clients' irrational thoughts that lead to psychological problems are
Annual Interest Rate
The percentage increase in money that borrowers pay lenders over a year, based on the original amount of the loan.
U.S. Income Tax System
The progressive tax system in the United States where taxes are based on income levels and include deductions and credits, resulting in varying rates.
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A mechanism to adjust income payments or prices by taking into account the rate of inflation to preserve purchasing power.
Price Level
An index that measures the average of the prices of goods and services in an economy, indicating the cost of living or inflation.
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