Alright, hustlers. Let’s talk about something not-so-sexy but absolutely necessary: TAXES. Yeah, I said it. The “T” word. If you’re self-employed in the U.S. and you file a Schedule C, you better listen up because the last quarter of the year (Q4) is YOUR time to shine.
The IRS? They don’t care if you’re killing it in your business or just scraping by—they want their cut, and they want it on time. But here's the deal: if you use Q4 to get your financial act together, you won’t just survive tax season—you’ll OWN it.
You’re probably thinking, “Can’t I just wait until April?” Sure, if you like stressing out, losing sleep, and maybe throwing away money that should’ve stayed in your pocket. But you’re here because you’re smarter than that, right? Right.​

This isn’t the season to slack off. Q4 is your secret weapon to make sure you’re prepped, organized, and—most importantly—keeping as much of your hard-earned cash as possible. So, why is the last quarter your golden window?

By now, you’ve been hustling for nine months. You’ve stacked that income and can see the light at the end of the tunnel. That means you can predict what Uncle Sam’s gonna ask for come April. You’ve still got time to tweak your quarterly tax payments if you’re off track.

Let’s talk tax-deductible EXPENSES. Everything from your home office to that laptop you just bought to grow your empire can work in your favor. But here’s the thing: you’ve only got until December 31st to lock in those tax-saving moves.

Q4 is when you make sure you’ve wrung every last drop out of these deductions. Miss something, and that’s money the IRS is happily keeping.

Retirement? Yeah, it might seem far off, but self-employed people like you have some seriously SWEET options to save for the future and lower your taxes. Things like SEP IRAs or Solo 401(k)s let you drop big bucks in before year-end and get a fat deduction for it.

December is the season of giving, right? Charitable donations made before December 31st are tax-deductible. So, if you’re feeling generous (and want to cut your tax bill), donate away—just make sure you’ve got the receipts.

So how do you avoid the tax-time scramble and make sure you’re prepped? Let’s break it down. Here’s your no-BS game plan to win at taxes and keep more of what’s yours.

If your expense tracking is a mess, Q4 is your last chance to clean it up. Every dollar you spend on your biz is a potential deduction, so don’t let anything slip through the cracks. Use tools (hello, Keep More Worry Less!) to make this easier. Automation is your friend.

Don’t play games with your personal and business expenses. If you’ve been mixing ‘em up, fix it now. The IRS will notice, and that’s not a conversation you wanna have.

Go through your bank and credit card statements. Every. Single. One. Compare them to your records to make sure nothing’s missing. This is how you catch sneaky missed deductions and income.

If you’ve been making quarterly tax payments, Q4 is when you need to check if you’re on track. Too little, and you could be hit with penalties. Too much, and you’ve just been giving the IRS a free loan. Let’s fix that.

Got big buys planned for your business? Do it now. Whether it’s upgrading your tech or investing in tools, Q4 is the time to grab those deductions. Buy it before December 31st, and it counts this year. Wait until January? You miss out until next year. Don’t do that to yourself.

Look, taxes are complicated. If you need a professional to step in, do it. Accountants know all the tricks and can make sure you’re not leaving any money on the table. Plus, guess what? Their fees are tax-deductible, too. #Winning

We’re all about winning here, and winning means avoiding the traps that most self-employed folks fall into when it comes to taxes. Here’s what you DON’T do in Q4:

You didn’t go into business to become a tax expert. That’s what tools like Keep More Worry Less are for. Our software is BUILT for hustlers like you—people who need a simple, no-BS way to track expenses, maximize deductions, and get prepped for tax season without all the hassle.

The last quarter is your time to flip the script on tax season. Get organized now, and you’ll roll into the new year with your head held high and your wallet a little fatter. Don’t let the IRS take more than they deserve. This is your money—keep it.

Ready to dominate tax season? Then you need to be using Keep More Worry Less to track those deductions and make Q4 work for YOU. Because smart entrepreneurs don’t wait until tax season—they plan for it.

​Your move.