Скачать или смотреть HMRC Will Catch You in 2026. (Unless You Do This)

Think a pay rise makes you richer? Think again. In 2026, the UK tax system is designed to take more of your money than ever before—often without raising a single tax rate. It’s called "Fiscal Drag," and it’s likely costing you thousands.

We are constantly told to "work harder" or "start a side hustle," but nobody warns you about the 60% Tax Trap, the Child Benefit clawback, or the new HMRC crackdown on platforms like Vinted and eBay.

In this video, I’m going to show you the legal "cheat codes"—the specific loopholes the rich use—to stop HMRC from raiding your pockets. From Salary Sacrifice to the "Marriage Allowance" trick, here is how to keep more of what you earn.

In this video, we cover:

00:00 - The Payslip Shock (Why you feel broke on a good salary)
01:04 - What is "Fiscal Drag"? (The Silent Tax)
01:57 - Solution 1: The "Time Machine" (Salary Sacrifice explained)
02:23 - The 40% Tax Trap & Child Benefit Clawback
03:39 - Solution 2: The "Tax Shield" (ISAs vs Savings Accounts)
04:36 - The Vinted Panic (Is HMRC watching your side hustle?)
06:13 - Solution 3: The Marriage Allowance (Free £252)
07:21 - Summary: The 3 Rules to Beat the Taxman


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ABOUT BAZ'S MONEY: Real money tips. No jargon. No "hustle culture." Just Baz.

Hi, I’m Baz. I’m a regular guy trying to make sense of the economy, the cost of living, and how to actually save a few quid without being miserable.

Baz's Money is the home of honest financial education.

On this channel, we sort out:

💰 Saving & Budgeting: Practical tips to stretch your paycheck, manage bills, and build a safety net.

🇬🇧 UK Investing: Demystifying ISAs, LISAs, SIPPs, and Index Funds.

🧠 Money Psychology: Why we buy stuff we don't need (and how to stop).

🛒 Smart Spending: Beating the "high street traps" and getting real value.

🏠 The Big Stuff: Mortgages, Pensions, and dealing with HMRC.

If you want to get better with money but are tired of feeling like you need a finance degree to understand your own bank statement, click Subscribe. Let's get it sorted.

DISCLAIMER: I am not a financial advisor (and I’m definitely not an accountant!). This is not financial advice. I am just a passionate everyday investor sharing my own experiences, research, and mistakes so you don't have to make them.

The content on this channel is for educational and entertainment purposes only. Investing involves risk and your capital is at risk. Tax rules in the UK (especially around limits and allowances) can change. You should always do your own research or consult a qualified accountant or independent financial advisor (IFA) before making major financial decisions.

HASHTAGS: #HMRC #TaxTrap #FiscalDrag #BazsMoneyUK #SideHustleTax #ISA #SalarySacrifice #UKFinance #MoneySavingTips