Toborek- Mazur, Joanna, and Karol Partacz. 2024. “ Tax Optimization of Individuals in the Context of Savings and Investing Money by Bank Deposits and T-Bonds in Poland”. Scientific Journal of Bielsko-Biala School of Finance and Law 28 (2). Bielsko-Biała, PL:68-76. https://doi.org/10.19192/wsfip.sj2.2024.10.