>>man- that self-employment tax takes a bite
Yeah. My wife switched over halfway through 2019 and we were not close on our estimated taxes. We got hit with a $14,000 tax bill (and, the same week, an $8K homeowner's policy and $2K fridge replacement). Some of the $14,000 was getting ahead of things on our 2020 estimated tax, but yeah, it hurts. If Social Security were like a lot of defined pension plans where your payout is based on your three highest years, I would go a few years where I would skip all the deductions.