Deb, sat 2/21. what she said:

saved Feb 21, 2026 15:40date Feb 21, 2026

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note-deb-meeting

What it says

Deb, sat 2/21. what she said: - 2025: W-2 19.8k + 1099s 23.4k + cash sales ~1.9k. after expenses the freelance side nets around 19k - I owe about 1,400 federal + a little state. final number when she files. (it was 1,412 federal. state refund of 88.) - WHY: I only made two of the four estimated payments last year. "you are a business, Theo. businesses pay quarterly." - 2026 plan: 600 a quarter, due 4/15, 6/15, 9/15, 1/15. put it in the calendar. if the book deal happens (I told her it might), bump it - set aside 25% of every freelance check the day it lands. separate savings bucket. not "when things calm down" - the ipad: deduct it all this year - home office: the bay window counts if it's ONLY for work. it's not, the cat tree is going there. skip it - health insurance: MNsure wants my income estimate updated when it changes or I pay it back in april - her fee 240, pay when she files

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Date	2026-02-21 15:40

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Deb Kowalczyk

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{
 "$type": "n_type_note",
 "id": "n_note_deb_meeting",
 "createdAt": "1771688400000",
 "date": "2026-02-21T15:40:00.000Z",
 "body": "Deb, sat 2/21. what she said:\n- 2025: W-2 19.8k + 1099s 23.4k + cash sales ~1.9k. after expenses the freelance side nets around 19k\n- I owe about 1,400 federal + a little state. final number when she files. (it was 1,412 federal. state refund of 88.)\n- WHY: I only made two of the four estimated payments last year. \"you are a business, Theo. businesses pay quarterly.\"\n- 2026 plan: 600 a quarter, due 4/15, 6/15, 9/15, 1/15. put it in the calendar. if the book deal happens (I told her it might), bump it\n- set aside 25% of every freelance check the day it lands. separate savings bucket. not \"when things calm down\"\n- the ipad: deduct it all this year\n- home office: the bay window counts if it's ONLY for work. it's not, the cat tree is going there. skip it\n- health insurance: MNsure wants my income estimate updated when it changes or I pay it back in april\n- her fee 240, pay when she files\n"
}

Source

personas/young-renter/records/notes-2026.yaml:122

- id: note-deb-meeting
  kind: note
  date: 2026-02-21 15:40
  body: |
    Deb, sat 2/21. what she said:
    - 2025: W-2 19.8k + 1099s 23.4k + cash sales ~1.9k. after expenses the freelance side nets around 19k
    - I owe about 1,400 federal + a little state. final number when she files. (it was 1,412 federal. state refund of 88.)
    - WHY: I only made two of the four estimated payments last year. "you are a business, Theo. businesses pay quarterly."
    - 2026 plan: 600 a quarter, due 4/15, 6/15, 9/15, 1/15. put it in the calendar. if the book deal happens (I told her it might), bump it
    - set aside 25% of every freelance check the day it lands. separate savings bucket. not "when things calm down"
    - the ipad: deduct it all this year
    - home office: the bay window counts if it's ONLY for work. it's not, the cat tree is going there. skip it
    - health insurance: MNsure wants my income estimate updated when it changes or I pay it back in april
    - her fee 240, pay when she files