<prompt> Human: I work as a server and I make 2.14hr. All of my paycheck goes to taxes. The small ammount they pay me doesnt even cover 14 of what I owe, because of this I save 15 of my actual earnings for tax purposes. What can I do with this money throughout the year? It isnt much, maybe 5k at the end of the year. It currently just sits in a savings account. This damn thing costs me 5mo and sits there and taunts me whenever I log into my bank. At the end of the year Ill need to access allmost of this money to pay my taxes, so I need to find an investment I can leave with little penalties. Not to mention it has to be fairly secure as I dont want to lose it all and then be really stuck.Any ideas?  <response>: 1. You shouldnt pay for a simple savings account. Find another bank or credit union that will set you up for free.2. If you are owing 5k at the end of the year, every year, you might need to pay quarterly estimated taxes to prevent getting hit with penalties.3. Since it is pretty important to minimize risk with this sort of savings, your best bet is an online savings account which will typically pay 0.8-1.1 interest. That comes free with FDIC insurance and no withdrawal penalties and higher interest than 6 month or 1 year CDs. 