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> if you own any stocks outside a 401k, you probably already need to make quarterly estimated payments.

That's true, and I do. I guess I'm referring more to the accounting side of it. My brokerage reports/tracks all that for me and hands me a form later. With contracting work, it's all up to you to track and there might be better ways than a text file with some dates and amounts but maybe it really is that simple. I'm not sure.





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