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Avoiding tax liability is not a way to create wealth. Instead, focus on creating money that is official. Having proper records will help to expand the business as you need tax returns to get a loan from bank.
Having proper records rather than dealing solely with cash helps to keep better track record of cash flows and assess the growth of the business. It is easier to create a surplus to do proper investments.
Very interesting conversation. I heard for the first time how an IFA reformed a black marketeer. Wish him a success for more such conversions. Only a small grammatical needs to be pointed out. Tax avoidance is perfectly legal Tax evasion is not . You possibly mean evasion and not avoidance. When you invest in a FMP rather than Bank FD you avoid tax and not evade. Warren Buffet himself suggests that for creation of wealth tax avoidance is a must.
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