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  • On the other hand, there are probably a lot of people out there who would think that having ~£10k of spare money to invest means you've got plenty of money, and should therefore be paying tax on any of those earnings, rather than dodging it.
    I see the moral argument but a consultant working an £800/day contract while drawing minimum wage on paper is quite different to someone dumping money into an ISA. It's telling that various outfits offer "IR35 investigation insurance" now. An ISA requires no manipulation.

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