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welcome to this killick explains video on tax saving basics part one and there are four videos in total this is the first one and this one is all about what is an Isa so investing tax efficiently arguably has never been so important we all know that living costs are rising at the moment inflation is back as I make this video in early 2023 there are some signs it may be reducing but its still pretty high and then of course youve got the Autumn statement from 2022 which is going to do a number of things which will take effect in 2023 the personal allowance for income taxes being frozen and Ill give you a guide at the end that will help you out with some of this stuff the dividend allowance thats the amount of dividend income you can earn tax free is being reduced gradually and the capital gains tax allowance is also being reduced over time on top of that economic uncertainty abounds now some people would say and therefore Im going to turn off my tax effective saving because I need