… and don’t be cheap about “oh no, I cant because I can’t change the tax system”. Start tipping everyone rendering you a service until 65% of your gross income is gone every month. That UPS driver picking up your package - here’s 50$. That school teacher staying late at a parent conference. Take my money. The lady in the supermarket - take the $100 because I don’t need it. At least you can feel good about it because you do it voluntarily. You can fix it with (your own) money.