Two problems with buffers: (1) never making quite enough money to get ahead of expenses enough to create one, (2) I owe significant back-taxes. Any larger liqui

Two problems with buffers: (1) never making quite enough money to get ahead of expenses enough to create one, (2) I owe significant back-taxes. Any larger liquidity event that could otherwise be used to establish a buffer goes to try to pay down taxes owed. There's little point in accumulating assets when they can just be levied by someone you owe a lot of money to. At that point you might as well just cut them off at the pass and give it to them voluntarily.