You have a much simpler life @daveza. My life has many different financial obligations, so I added that fund category to track. I end up giving away the remaining amount to my chosen charities at year end. I am literally have to file stacks of government bureaucracy to prove my compliance to the multitude of taxes and public benefits. It is beyond ridiculous.

This year I have an accountant help me file my annual Tax Return. The process has become too complicated for the average citizen.

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