I followed your link, but found they were using a lot of tax language that I don't really understand to start with. Also, they are talking to people who are employed by others and are on a payroll. Everything's different for me, as a (mostly) self-employed person. So far, I have not been paying quarterly estimated taxes, and to my knowledge I haven't been penalized for that. Only for filing an extension and paying after 4/15.I have figured that, as my income rises, the IRS is likely to notice and want their interest free loan, I mean their quarterlies, from me. Ugh. We really, really need tax reform in America. It's so hard to figure anything out, and it's so ridiculously expensive to pay it all. No government should be allowed, IMO, to ever keep more than 20% of the income of its citizens; and it should never punish us for saving and investing by taxing our gains, either. Nor should it be, in a supposedly free country, that we have to either invest in Uncle Sam's dubious retirement pyramid scheme, or go to jail. Free country? It might have been, but then came the IRS.Mareup too late and heading for bed
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