<prompt> Human: Havent done anything yet, but a thought occurred to me earlier.I work a 1099 and put away 20 of my income for taxes making 10 an hour full-time. I was wondering if instead of this money just sitting in an account if it could be invested and grow up until tax-time?  <response>: Theres so little time you are basically just gambling whether the market is going up or down. As a 1099 worker you are supposed to be making QUARTERLY payments, not annual. So youre talking about just a few months to invest before you need to pull it all out.Dont bother IMO. 