Nicole, have you thought about turning yourself into an S-Corporation? My husband and I (both freelancers) met with our accountant last week and he recommended it. I don’t know much beyond what he told me (I was mostly excited about naming it), but I think you can potentially save a lot of money in taxes. As far as I can tell, the only cost involved is setting up a payroll, where you pay yourself a salary (deducting taxes), and you’d be paying into social security and stuff (useful!) and could presumably set up a 401(k) for yourself. Has anyone out there in the Billfold universe done this? We’re thinking of setting it up either for this year or next year, but would love to hear from someone’s who’s done this and found it worthwhile!