Buy a cheap house, and put your money in storage. People may say you get taxes more - you do not unless you bought some nice mansion, just buy some small house in financial and put your money in storage. Yes you will be taxed - about 500k to one million. Every single dollar of that is usually refundable, if most of your money is in storage. If you leave almost every dollar in storage and in hand less than what you usually get taxed when all your money is in storage, you will be taxed all your money starting from your hand first then into your storage. You cannot set it to take taxes from storage; but you can deposit less than 10 mil (2-3 mil is the best) (less than 10 mil becuase of wealth tax) and set it to take money from your bank account, which will not change your tax rates unless you have way to much money in stocks, but I suggest that you have a donating status to even touch stocks. If you have it set to take money out of your bank account (bank account needs to be higher than average tax rate with this setup, but less than 10m) then you will not be wiped out all of your in hand money or storage. Then every time you get a refund, you put it back in your bank account. Then you will not be tax raped!
The only way to keep all your money in the bank (without getting wealth tax raped) is to donate more than $10 USD.
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