In today’s episode, Ralph Estep Jr. and Juliet explain how quarterly estimated taxes work for freelancers with uneven income, plus how to get paid faster and why overdraft fees can hurt your credit.In This Episode ✓ Average card balance hits $8,000 and one in five families are behind ✓ A $35 overdraft fee can follow you into credit denial ✓ Phone bill add-ons to look for ✓ Quarterly estimated taxes for uneven income ✓ Getting slow-paying commercial clients to pay faster ✓ Starting a 401(k) at 38 with $400 saved ✓ Save Week: $7 a day, $50 by FridayIf you’ve ever wondered whether you’re sending the IRS the right amount, this episode gives you a simple place to start.Resources Watch live: <a href="https://www.becomingfinanciallyconfident.com/live" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/live</a>Win Our Christmas Bonus giveaway: <a href="https://www.becomingfinanciallyconfident.com/giveaway" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/giveaway</a>Book a call: <a href="https://www.ralphestepjr.com/schedule" rel="noopener noreferrer" target="_blank">https://www.ralphestepjr.com/schedule</a>Year-End Personal Tax Review: <a href="https://www.becomingfinanciallyconfident.com/yearend" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/yearend</a>Be on the show: <a href="https://www.becomingfinanciallyconfident.com/stuck" rel="noopener noreferrer" target="_blank">https://www.becomingfinanciallyconfident.com/stuck</a>IRS estimated taxes: <a href="https://www.irs.gov/businesses/small-businesses-self-employed/estimated-taxes" rel="noopener noreferrer" target="_blank">https://www.irs.gov/businesses/small-businesses-self-employed/estimated-taxes</a>Follow Becoming Financially Confident LinkedIn: <a href="https://www.linkedin.com/company/becomingfinanciallyconfident" rel="noopener noreferrer" target="_blank">https://www.linkedin.com/company/becomingfinanciallyconfident</a> Facebook Group: <a href="https://www.facebook.com/share/g/1HpWqv8jp9/" rel="noopener noreferrer" target="_blank">https://www.facebook.com/share/g/1HpWqv8jp9/</a> Instagram: <a href="https://www.instagram.com/becomingfinanciallyconfident" rel="noopener noreferrer" target="_blank">https://www.instagram.com/becomingfinanciallyconfident</a> Skool Community: <a href="https://www.skool.com/becoming-financially-confident-7556" rel="noopener noreferrer" target="_blank">https://www.skool.com/becoming-financially-confident-7556</a>Have a money question? Send it here: <a href="https://www.becomingfinanciallyconfident.com/voicemail" rel="noopener noreferrer" target="_blank">becomingfinanciallyconfident.com/voicemail</a>Companies Mentioned Apple Verizon T-Mobile AT&T Starlink QuickBooks Samsung

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