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Save on taxes! Why the modern gentleman of the world should consider changing his gender at least once today!With a wink, a pinch of gallows humor, and the firm belief that every legally saved euro is more valuable than any well-meant tip from a tax officer, a new chapter in German tax planning opens here. 
In the past, inheritance planning consisted of a will, binders, and the usual frown over tax allowances. Today, sometimes all it takes is a stroll to the registry office, a form – and suddenly the world of taxation looks completely different. Let’s take the case told in this YouTube video: A 70-year-old father, owner of a 1.8-million-euro house, wants to transfer it to his daughter. Naturally not without continuing to live there himself, deciding whether the garage should be turned into a workshop, and whether the terrace really needs that new outdoor lounge. A usufruct makes this possible: transfer ownership, keep control. For the tax office, the key question is how much this usufruct is worth. And that value depends – wonderfully dry – on how long the beneficiary is statistically expected to live. The father is 70. The mortality table says: A 70-year-old man statistically lives about 14 more years. Using the legally prescribed capitalization factor of 9.858 and an assumed (fictional) annual rent of 90,000 euros, you get a usufruct value of 887,220 euros. The daughter has a tax-free allowance of 400,000 euros. So: 1.8 million minus 400,000 minus 887,220 leaves a taxable remainder of 515,800 euros. At 15 percent gift tax – the tax office is already winking from across the desk with roughly 77,370 euros. But now comes the moment when the story turns grotesque: The father could have – purely legally – changed his gender before the transfer. From male to female. And for the mortality table, that makes a huge difference. A 70-year-old woman statistically lives not 14 but 16.72 more years. The capitalization factor therefore rises to 11.05. Applying the same 90,000 euros annual rent suddenly yields a usufruct value of 994,500 euros. That’s over 110,000 euros more than before – and this exact difference reduces the taxable acquisition. Instead of 515,800, only 405,500 euros remain subject to the 15 percent tax. Result: around 60,800 euros in taxes. The difference? A savings of 16,454 euros. Just like that. Through a declaration at the registry office. Through a stamp that triggers unforeseen poetry at the tax office. Absurdity and efficiency dance tightly entwined here. Some people tear their hair out. Others see a rare opportunity to twist the system’s logic in their favor. For while society debates what identity means, mathematics simply asks: “How many years are in the table?” Whether one would actually take this path is a deeply personal decision – moral, philosophical, and in some cases certainly also a matter of temperament. But the image remains: An elderly gentleman strolling toward the registry office with a gentle smile, collar slightly raised, as if heading on a secret mission. One gender change “light,” in exchange for 16,454 euros more for his daughter. In the end, this story is less a piece of advice than a mirror of our bureaucracy, where humor, absurdity, and German number-fetishism fraternize. And honestly: When was the last time saving taxes sounded this charmingly bizarre? More details in this video: Author: AI-Translation - АИИ | |
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