The one thing all of us try to avoid, or at least reduce to the minimum, is paying any form of tax. Tax can take the form of a compulsory contribution that we all have to make from our salaries to the state coffers in terms of the Income Tax Act. It can also come in the form of the heavy demands that are sometimes based on unrealistic expectations placed on us as professionals by our close and extended family members, which is lovingly referred to in some communities as “Black Tax”. A third type of “tax” is the one our future, retired selves put on us today in the form of retirement fund contributions that we must make now to eventually have enough money to
