Go in the red
'You can compare the balance between tax and taxability with your salary. Suppose you receive € 1,300 (your taxability) per month, but you spend € 1,700 (your tax). Then this extra money has to come from somewhere. You may be able to borrow this from friends, but if this is necessary more often, you will eventually have to borrow from the bank. The bank asks you for interest, so that you have less than € 1,300 to spend the following month. When this goes on for a long time, you will have less and less to spend. This is also the case with overloading. You use your reserves and you become increasingly overburdened. The result is that you can handle less and less. Long-term overload ultimately leads to an increasingly lower capacity.