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hello my name is victor lloyd burgess im a financial educator a lecturer and an author welcome to expose its a financial investing reality talk about the economy wealth finances investing taxes and insurance and any other things my clients or you may ask to see just make comments and ill try to see if i can do it yeah like ive always said lets cut the crap forget the hype and see the reality i use excel spreadsheets to verify prove or expose misconceptions and false claims trust is in the math math equals truth the truth is in the math thats why i use excel spreadsheets to weed out the true from the false heres my background freeze and read to your hearts content heres my legal disclaimer freeze and read to your heart content build this on excel to make tax planning fast simple and easy so a previous uh video the tax swamp we covered how the 50-plus taxes are eating up our income and our ability to save for our retirement and that we had how devastating it is to us and how we