You won't have "less" strategies, but you will have "fewer" strategies. On a more serious note, I agree with your comments. There needs to be more fairness. I don't get why doctors are upset that they can't sprinkle income over adult children in full time school programs. They aren't working, they can't draw an income. But that is a scheme that has become widespread. And the justification is that they need to build up a pension. Somehow can't do that on $450,000 of professional income a year.