In my 30 years of practice as a tax consultant dealing with corporate entities, professionals and the salaried, one point to which most conversations meander to is tax savings. Of the lot, the salaried individual is the most harried taxpayer, who is forever crying foul over high taxes that he has to pay and the little savings that he is left with at the end of the year. While the usual taxsaving options under Section 80C exist, most often, one is looking at ways to reduce his or her tax outgo to as close as nil and have more money in his or her hands.