<prompt> Human: I have one more pay period between now and the deadline so the final number for savings is going to be about 3300, but thats still going to be a good 1800 or so short of what I owe. I used to put about 15 in savings each week but have since bumped it up to 30 when I discovered my tax bill was going to be way more than I expected. The main question is whether I should drop most or all of my savings into the tax bill to reduce interest and the time required to pay it back, or keep a chunk of it back so I have some money in case of emergency but pushing back the payback timetable by up to five more weeks. Other info: 40k household income, self-employed. Only other debt is a car loan at about 7800. Edit: It looks like I need to explain how my tax bill got so big, and why I wasnt making any withholdings.First off, Ive been doing self-employed work for about six years, mostly in the realm of working as a delivery driver. My tax bill was never more than about 2500-3000, on account of the amount of miles that I drove.At the start of 2015, I was working as an auto parts delivery driver for an hourly wage. They ended up converting all of their drivers to independent contractors at the end of February, but in the meantime I had built up two months worth of employment income with withholdings, and I was driving so many miles with them that when I filled out my taxes last year, my time with them ended up subtracting from my net income. My tax bill last year was about 2600, which I had all saved up and ready to go, and clearly I expected a similar number this year not realizing the buffers that I had in place last year. The driving work I do now is all within about 5 miles of my house, so Im not driving nearly as much but making the same amount of money if not a little bit more.As for why I wasnt paying quarterly taxes, the moment I paid off my taxes last year I immediately started dumping all the money I was making into my credit card debt, which started off at about 7500. The card was paid off in September, at which point I was beginning to save up for taxes this year, but not nearly as much as I should have. Again, I was putting about 15 of my weekly pay into savings, when it should have been about 25 to 30.The goal here is to pay as much of this bill off right now as I can, so that I can pay the rest of it off as quickly as possible, which will let get a handle on this for next year, since its looking pretty likely that I will remain self-employed for most if not all of 2017. I dont want this sledgehammer smashing me in the face again next year.Edit 2: iPhone voice dictation blows.  <response>: Just pay what youre comfortable with and theyll send you a bill with the remainder. The penalties will be minimal at that amount, less than 100. Setting up a payment plan is sometimes a hassle. 