Most things involving money are intentionally set up to be confusing. The pet insurance scam is a great example of that. 99% of the time, you're better off putt

Most things involving money are intentionally set up to be confusing. The pet insurance scam is a great example of that. 99% of the time, you're better off putting that money into a savings account and letting it compound a bit against inflation. Tax laws are insanely complex. Even if you hire an accountant, chances are they are going to miss some deductions or not optimize things perfectly for you. Especially given their whole business model revolves around getting as many clients as they can and being overly busy just a few times a year. If you really want to be sure, you have to learn this stuff yourself. There are a lot more people willing to take money from you than there are to help you keep it.