Outside of a W-2 salary for which taxes are pre-deducted, there are many ways, more applicable to businesses, also to independent contractors. Even for those with a salary, they ought to do their best to collect all the legally qualified benefits that they can. Lots of independent contractors get paid as W-2 when they could be getting paid as a corp, for which they could write off a portion of the taxes via deductibles and in various other ways. Lots of people could be ordering online at websites that don't deduct a sales tax. Using a Delaware corp for various transactions can also go a long way. Living in a geography where the property taxes are not absurdly high or rising also matters.