It COSTS money to AVOID it....is the problem....and you need a treasure trove of attorneys and accountants to keep track of things.....in other words I believe it only becomes cost effective when you have millions.....more power to you WHEN YOU and your wife get there....THAT is the beauty of America.....you can STRIVE to be RICH (or we used to).....but, the penalty is getting very high if you are not quite RICH enough.
Amen! Having said that, the current tax 'system' needs to be scrapped, and replaced with something else. I'm too ignorant in tax law to make an informed suggestion on exactly what, but I like what I've heard of "The Fair Tax" so far.