66% GONE?! Why your money feels taxed to death, and how to fight back with assets that pay you...

Ever looked at your payslip, then your bank account a week later, and thought: “Where the hell did it all go?”

You’re not wrong to feel that way. Between Income Tax, NI, VAT, Council Tax, fuel duty, and the quiet little levies tucked into almost every transaction, it feels like you’re working more for the government than for yourself.

Some commentators claim the average household loses two-thirds of their income to taxes. Even if you don’t buy the full “66%” number, here’s the reality:

• Direct taxes alone (Income Tax, NI, Council Tax) swallow around 22.7% of household income.

• Across the whole economy, the tax take is at a historic high — 35.3% of GDP.

• When you add VAT on shopping, fuel duty, alcohol and travel taxes, and all the rest, the real bite is far bigger than most people realise.

For lower- and middle-income households, it’s brutal. In fact, data shows some families hand over nearly half their income once you count all the layers. No wonder it feels like payday disappears in a flash.

The trap most people miss

Here’s the kicker: it’s not just what you earn that gets taxed. It’s what you spend, save, own, and pass on.

You pay tax to earn your money. Then you pay tax to spend it. You pay tax to own a home or a car. Even saving and investing can come with their own tax wrappers and penalties if you choose wrong.

And that’s why most people feel stuck: they’re playing the game without learning the rules.

How to tilt the game in your favour

You can’t rewrite government policy. But you can choose assets that pay you back, hedge against inflation, and recycle your capital. Property is one of the few that ticks all three.

Here’s the simple playbook:

1. Keep more of what you make
Pick the right ownership structure (personal vs limited company). Use the reliefs available. Always run your plans through a tax professional — but go in knowing the right questions to ask.

2. Build income that grows with inflation
Target areas where demand is baked in: students, hospitals, transport links, big employers. Add value with smart refurbs — EPC upgrades, modern kitchens, better storage. These aren’t vanity projects; they’re rent drivers.

3. Recycle your cash
Use the BRR method: Buy, Refurbish, Refinance, Rent. Done right, it lets you pull your money back out and go again, without waiting years to save up another deposit.

4. Protect against the three big fears

• Principal loss: Only buy discounted. Always have two exits.

• Scams: Use your solicitor, check ownership at Land Registry, never cut corners.

• Liquidity: Don’t overcommit. Keep buffers. Stick to refurbs you can finish fast.

Why we built Property.school

Because most people don’t need more scary headlines. They need a step-by-step system they can follow — plus a community to keep them accountable.

Inside Property.school, you get:

• A roadmap from “I don’t know where to start” to “offer accepted.”

• The Goldmine Area Method: find the right towns and streets using PrimeLocation, StreetCheck, and Rightmove.

• Our deal calculator: no guesswork, just clear cashflow, ROI, and deal ratings.

• The AI in Property Masterclass (for Gold members): live demos showing how to source deals, analyse faster, and build investor funnels on autopilot.

• Community & Q&A: learn from people who are actually doing deals right now.

• Time-limited bonuses: live event tickets, 100+ hours of training, challenges, discounts, and exclusive resources.

Who is this for?

Property.school is built for:

• New investors who want to take their first step with clarity and avoid the mistakes that cost beginners thousands.

• Existing investors who already own one or two properties but want to scale faster — with better sourcing methods, smarter finance, and investor-ready systems.

If that’s you, you’ll leave your first 30 days with:

1. A validated Goldmine Area ready to invest in,

2. Clear deal criteria and live alerts set up,

3. A working numbers template to analyse deals in minutes,

4. A simple investor pack if you want to raise private finance.

Ready to stop bleeding cash?

You can’t opt out of taxes. But you can choose to build assets that put money back in your pocket.

That’s exactly what we teach and support inside Property.school.

Join today:

• Standard membership (under 50p/day) gives you the roadmap, calculators, and training.

• Gold membership (under £1/day) adds live masterclasses, community Q&A, and advanced tools.

Click below, join Property.school, and take your first step towards assets that actually pay you — instead of governments and middlemen.

This content is educational only, not financial or tax advice. Always seek professional guidance for your own circumstances.