The tax system is so convoluted that generally speaking a professional accountant is needed to work out the best strategy. How many people on minimum wage do you know who employ an accountant? One of the reasons why the poor pay a greater proportion of the tax charged than do the rich. Willie; how can you say 'finding loopholes' is 'paying all your taxes'? That's avoiding tax, and I don't give a damn whether or not it is legal; it might well be legal, but in my view it is immoral and despicable. The wealthiest 5% in this country pay less than a tenth of the tax (as a proportion of income) that the poorest 10% of earners pay. That is failing to pay your way in my book.