Ya ' ll don ' t have guns but you all get WAY more crazy violent with your fists and mob fights an such . People don ' t do that as much because who knows where the gun is . So it ' s crazy for me to see crime shows about the UK and the crazy ass shit going down . Y ' all get creative . <| sep |> Agreed , on the last deal I helped someone with , we had the dealer over finance the car , and got $ 10 k at 0 % which went to pay down mortgage principal that was sitting at 2 . 75 %. If he was willing to take the risk , that $ 10 k could have gone into a mutual fund or ETF and been leveraged even more effectively . <| sep |> The rich do pay around 28 % when they pay , because they can reroute their income as investment income . And this is before tax havens and tax avoidance .