✨ Strategy: The Golden Ratio
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💳 Step 1: Credit Card
Use for the first 25% of your salary. (15% deduction rate)
Since spend up to 25% is not deductible anyway, use a credit card to maximize points and airline miles.
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💸 Step 2: Debit Card / Cash
Use for everything above 25% of your salary. (30% deduction rate)
The deduction rate is double compared to credit cards! This is where you actually save tax.
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🚀 Step 3: Bonus Deduction (40~80%)
Traditional Markets & Public Transit qualify for 40% (up to 80%) deduction.
This is the super-deduction tier. Always use cards for transit and local markets.