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How do I use investments to lower my taxes [US]?
Probably the biggest tax-deferment available to US workers is through employee-sponsored investment plans like the 401k.  If you meet the income limits, you could also use a Traditional IRA if you do not have a 401k at work.  But keep in mind that you are really just deferring taxes here.  The US Government will eventually get their due. :) One way which you may find interesting is by using 529 plans, or other college investment plans, to save for your child's (or your) college expenses.  Generally, contributions up to a certain amount are deductible on your state taxes, and are exempt from Federal and State taxes when used for qualifying education expenses.  The state deduction can lower your taxes and help you save for college for your children, if that is a desire of yours.