FYI, if anyone ever offers you consulting work, turn it down. Something as harmless as $5k worth of work can turn an $1100 refund into a $1700 tax bill. Ouch! I couldn't quite believe it myself, but 33% income and 15% social security can pretty much ruin your day. Good thing the IRS lets you do that handy monthly payment thing, and at less interest than a credit card would be.