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People get too hung up on finding ways to avoid tax and end up cash poor, overly committed or doing questionable things. The goal of an educated investor is to maximise your cash and equity at the end of day. Minimizing your tax is certainly part of that, but only as a tool, not a goal...

I find in my experience that wage earners who don't invest pay their tax. Business owners who don't invest get away with a little more. People who invest pay much, much less tax and grow financially prosporous. It gets to the point where you wonder why people don't invest when it grows wealth...