Toborek- Mazur, J. and Partacz, K. (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. Bielsko-Biała, PL, 28(2), pp. 68–76. doi: 10.19192/wsfip.sj2.2024.10.