> While paying your own holiday, insurance, employer's stamp, sick pay, pensions, bench time, etc. Whilst also being able to write of a bunch of things against

> While paying your own holiday, insurance, employer's stamp, sick pay, pensions, bench time, etc. Whilst also being able to write of a bunch of things against tax (insurance, car, property if you're clever, loans etc etc etc). I am fully aware of how big the loophole used to be. Its also being abused to keep costs down at high turnover jobs as well. but that's another issue. > If you've got an in-demand skill and you're healthy I'd say it's definitely an improvement, but it's not quite as simple as comparing tax rates. Its entirely to do with tax minimisation, otherwise people wouldn't go through the faff of doing it? Why on earth would you give up employment rights and stability, just so you can have the privilege of doing accounts each year? Its avoiding tax, something that low/middle earners aren't able to do/cost effective enough.