Don't Set Away Your Taxes Unless You're Withholding, Right?

If you're not withholding, you need to put that money aside. I would advise the safest way is to actually send it. Open up an on line account with your your state tax department and the federal government. Go to vanguard, open up an account and buy one share a month of a total stock market index fund. Just get in the habit of actually saving - i'm not looking at a point of scarcity or cash flow like i used to.