Tax Tricks the Rich Use—And How Everyday Earners Can Try Them

The piece explains legal tax-planning moves used by ultra‑wealthy individuals, such as contributing to a Roth IRA (including backdoor Roth techniques), harvesting investment losses (noting crypto exemptions and the wash-sale rule), timing large IRA withdrawals across years to split income, and hiring children in a family business to shift income as deductible wages; it also cautions readers to work within income limits and follow the rules to avoid penalties.