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What benefits can a family derive from a second-tier bank account? If an individual earns money from more than one source, each taxed under a

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What benefits can a family derive from a second-tier bank account? If an individual earns money from more than one source, each taxed under a different "title", how can they make sure that they pay the least amount of taxes if there is no possibility of avoidance? Why is it important to have you household's capital buffer at 100%

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