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I feel that a lot of people who were making money saw how much effort it was taking; saw how much of their hard earn money was being taken for taxes; and decided that their time could be spent doing other things. Thus, they cut back. Reduced thier income, Reduced thier lifestyle. Spent less on consumer goods.

They are now happier. They pay less taxes; have less income; and spend less.

And this relates to tax deferred annuities how?
Or even how does it relate to the comment that someone complaining that they're "getting killed in taxes" is hysterical hyperbole?

I have yet to meet someone who will give me $ that they've earned so that they can get a tax break that's 1/3 of that amount. If you want to be the first, I'll be happy to provide you with an address where you can send the check.

Of course I know some people who have decided to decrease how much they work because they don't feel like they need that much income - but really it isn't taxes that's driving that decision, it's that they don't want to work the hours or don't need the income.

And those people who claim that they have a marginal rate of 40% or 50% on state+fed taxes on their income don't get a lot of sympathy from me if they complain about their tax rates. Sure I'd pay less if it was a "flat tax" - but I don't think it's a good idea - I think a progressive tax structure is appropriate, and a regressive tax rate structure is bad for society and bad for business.

There is something wrong with your answer.If a customer comes in and says to you that "I paid 100 dollars for x product. But everyone else I talked to paid only 50. Did I pay too much?" You see the product and know you can get it for 33. Do you say: "You got money, don't worry about it?"
I assume you're talking about his answer to the question - whether a tax defered annuity is right for the OP. And I think his answer was fairly clear - it's probably not a good choice - its probably a way to separate him from his money - he should find a better advisor.
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