for several years now, i’ve withheld nothing and paid the minuscule fine ... investment of the money not withheld at 5% paid for the fine ... new strategy this year: make annual IRA withdrawal a couple of days before the end of the year and withhold most of what i’ll owe at that time, that way i can have my cake and eat it too ...
There you go. I *try* to do the same but don’t always have enough money saved. The way the economy has gone over the last 10 or more years, it’s difficult to predict your yearly income accurately with two self-employed taxpayers.