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"You don't have to be rich to pay 40%" Aye right, dry your eyes and get on with it. Boo-hoo. You don't pay "40%", you only pay 40% on what you earn over and above what the rest of us pay on our less deserving salaries. Also, you don't pay tax on your savings, you actually pay tax on the unearned income you receive from the interest from your savings. Big difference. You do not get taxed for having £1,000 in the bank, you pay tax on the £50 (if you're lucky) of what you earn (for nothing) from having the original £1,000 in the bank. Get some perspective on the reality of how most people