Damm it the rules have been make to give power to a minority unfortunately i have a friend that have been trying to make a trick and earn to the tax autority only for know that it is not posible.
He always paid tax independence what he do. Nothing of his trick function.
I said him sorry my bro never win to the system.
You always should paid tax.
The system have been development a great business line retirement plans.
You should paid all life and the rules said please paid the half of your money saved to a enterprice to management your own money.
Who said you need to work all your life and only for death at the end of the life
For paidmen the hipoteca or your house deb.