<prompt> Human: I screwed up and did not pay taxes as a 1099 worker for two years. Im not making excuses I was just fiscally irresponsible and spent more than I had always putting savings off. Now I am trying to get my life back in order and owe the IRS 40k. All my other debt has been paid off. I have about 20k in cash and dont want to be broke giving it all to them. Is there any way to get this reduced? Any kind of relief or programs I should be aware of? I am still a 1099 worker with sporadic work and this is a huge debt for me. Any advice is appreciated, thanks. Edit: I filed my returns with the IRS. Negotiating a payment plan. May get a no interest loan from family. Thanks for all the advice.  <response>: Im assuming you have filed both federal tax returns, and the 40,000 figure is the sum of both balance due notices.If this is the case, you can request a formal Installment Agreement IA by calling the toll free number on the notce, or by visiting your local Taxpayer Assistance Center TAC, or by accessing the Online Payment Agreement system at IRS.gov.Based on the 40,000 figure, you should expect to commit to a minimum payment of 560.00 per month. There is a one-time 120 fee to request an IA.You must get current and stay current on Estimated Tax payments in addition to your IA payments. Stop making the hole youre currently in deeper. 