<prompt>  Human: I work both full time as a W2 employee, and I also work part time freelance as a 1099 employee for a online school. I was dumb this year, and was not prepared for the cost of my taxes based on my 1099 earnings, and ended up owing the IRS and State govts a lot. Any suggestions for ways to better prepare myself for this so my wife and I dont end up with as big a shock as this year?Assistant: Save the money and pay the quarterly taxes as youre supposed to.Human: I apologize for sounding naive, but Im not sure what you mean by quarterly taxes. 