It sounds like you are not paying estimated quarterly taxes. That’s painful but lessens the pain. Every time you get money you set aside a predetermined amount based on knowing what you’ll be paying each quarter. It becomes automatic and you stop considering it part of your income.

Also, if you haven’t done it. Set up a SEP IRA. You’ve got to save and that money reduces your taxable income, as does an HSA.

Self-Employed Software Developer, Trainer, Consultant. Keeping up to date. I’ve noticed in over 28 years of programming, one’s current skills have a shelf life.

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