Financial optimization

Question

Fintech

We all pay taxes.

But some people do not fully pay them (do not know what to pay).
And then, quite unexpectedly, kind people in pagons enlist your hands. Or they just freeze the accounts. And you will find out that you did not pay taxes, or the legitimacy of your income is in doubt. You will say sadly, but this can happen at any moment.
What if we IT-persons organize their own fund and keep money in the accounts of this fund. And write off the money as needed. After all, this is a good opportunity to save on unreasonable taxes.

I expect constructive criticism.

Answer 1

You can just keep in regular funds in your mother's name.