How much tax do you really pay if you have more savings than the exemption?

Our sons (22 and 25 years old) who live at home have a full-time job and therefore save a lot, writes Marjolein Dannijs. Very sensible in view of the high house prices. But what if that savings exceeds the exemption in box 3? Aren’t they unintentionally ‘punished’ by the tax authorities? And is there perhaps an exception for children living at home?

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