<prompt> Human: I work in sales and am commission based. My commissions go into a draw account at work and I decide how much money to pay my self. Taxes are not taken out until I actually pay the money to myself via my weekly paycheck. I have about 10-12k sitting in there currently, my initial goal was to keep accumulating until I have enough for a downpayment on a house, but in the mean time Im not earning anything on that money and its just sitting there.A side from withdrawing a portion of it, paying the income tax on it and putting it into savingsIRA or other means that would earn interest, is there a way to do it without actually paying income tax on it in the process?Or in general is there something smarter I should be doing with that money. I have read the commonly asked topics section and the IRA seems like a good idea but avoiding taxes in the process would be nice...  <response>: There is no legal way to do this. Withdraw the money, pay taxes on it, and then put it into your savings. And from now on, stop saving it up like this and pay yourself regularly for the reasons skinny8446 identified. 