4. Why are Marcel's and Stephanie's taxable incomes less than their annual salaries

Purchasing gym equipment, can overall be more expensive but a short term payment and it's also more hygenic.

Joining a gym can be very expensive depending the gym you choose, a membership is a long term payment and way less hygenic han owning you're own equpiment.

The last question is a matter of opinion, personally, owning my own equipment would be less hassle, however you would have to splash out a bit more, it would be worth it becuase you arent sharing sweat with a random stranegr you don't know.

Explanation: