The worst time to think about taxes is when the payment is due.
If you're a freelancer or solo founder, every payment that arrives can feel like money you earned and can spend. But part of it may already belong to the tax authority.
A better approach is to treat taxes as part of every payment.
For example, if you receive $5,000 from a client, you could immediately move a percentage into a separate tax balance. The exact percentage depends on your situation, but the principle stays the same.
Earn → set aside → spend what remains.
This creates a much more realistic picture of your available money.
You also avoid the classic end-of-year panic: looking at your account and realizing that the money you've been spending for months wasn't entirely yours.
Taxes are unavoidable.
Tax surprises don't have to be.
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