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I would say stash even more. 30% was what I used back in the day and I put it in a short term bond fund (money market). You should be saving more than you owe in taxes anyways if you are being good with managing money as an independent contractor. Unexpected lulls or other instances you won't have any income can sink your ass if you dont have cash at the ready. I actually didn't freelance until I had 100k in cash because I wanted the security of knowing I had 1-2 years of runway already socked away.
Coach
Save a third of every you bill and DON’T TOUCH IT.
Put aside 25% of your income each quarter and pay your quarterly estimated taxes. When April rolls around, you’ll have less sticker shock.
Deduct, deduct, deduct. You’d be surprised what you can write off as a business expense.
When the IRS sends you a letter, send them a picture of a tea bag in your local pond. They’ll get the hint.
I put 30% aside for taxes, but I also use a great accountant. As someone else mentioned, deductions, deductions, deductions!
I use Collective.com for this reason and many others. Lmk if you want my discount code and you can get a free month
Put away 35% every paycheck.