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SKILL.md
Quarterly Tax Rhythm Skill
Employment hides taxes inside withholding; self-employment hands you the gross and a delayed bill — and the first-year story is always the same: the money felt like income, got spent like income, and April arrived like a mugging. The fix isn't tax expertise; it's a rhythm: a fixed percentage siphoned to a separate account the day money lands, dated quarterly check-ins (most jurisdictions with estimated-payment systems run roughly quarterly — dates and rules are local, flagged throughout), and a records habit small enough to actually survive. This skill installs the rhythm and routes every actual number to a local professional, because rates and rules are jurisdiction-specific and this skill's job is that the money exists when the professional names the number.
What This Skill Produces
The setaside rule — the percentage band with its logic, the transfer-on-receipt habit, and the separate account it lands in
The quarterly calendar — the rhythm's four-plus-one dates (typed generically, verify-locally), each with its 30-minute agenda
The records system — the five-minute weekly habit that makes filing an export instead of an archaeology dig
The deduction-tracking frame — what commonly counts (typed, professional-verified), captured at spend-time not filing-time
Required Inputs
Ask for these if not provided:
The income shape — rough monthly side income and trajectory; steady vs. lumpy changes the setaside mechanics (lumpy = percentage-per-payment, never a monthly guess)
The tax context, loosely — country and whether this stacks on employed income (the marginal-stacking point is where most first-year surprises live: side income generally lands on top, taxed at the margin — stated as framing, numbers routed locally)
What exists today — separate account? Any setaside so far? Mid-year starts get the catch-up framing, calmly
The professional status — accountant engaged? The skill's endpoint is a clean handoff to one, and it says so
Framework: The Rhythm Rules
The setaside happens on receipt, not on reflection: the day a payment lands, X% moves to a separate tax account — automatic-ish, non-negotiable, before the money develops opinions. The band: 25–35% covers most stacked-side-income situations — deliberately conservative, verified with a local professional at the first quarterly check-in; over-saving refunds itself, under-saving compounds.
as a safety margin, not a calculation
The tax account is one-way glass: money enters on receipt and leaves only for tax payments — it isn't a buffer, an opportunity fund, or "basically savings." The first raid is the habit's death; the rule is stated that bluntly.
The quarterly check-in is 30 minutes with a fixed agenda: income totaled from the records, setaside verified against the band, the estimated payment made if the local system requires one (typed: many jurisdictions fine under-prepayment — the existence of the obligation is the check, the amount is the professional's), and the band adjusted if income shifted. Calendar all four-plus-filing dates now, with two-week warnings.
Records are captured at transaction-time or never: one place (a sheet is fine), one row per income and expense event, receipts photographed into one folder that week — five minutes weekly, forever, versus twelve hours of bank-statement archaeology every filing season. The system's smallness is its survival trait.
Deductions are a capture habit, not an April project: the commonly-relevant categories (tools and software, equipment share, workspace share where rules allow, professional services, business travel — all typed as commonly, verify-locally) get a tag in the records at spend-time. The skill frames what to capture; whether each deducts, and how much, is exactly the professional's job — captured-but-disallowed costs nothing, uncaptured-but-allowed costs real money.
Output Format
Tax Rhythm: [income shape] — starting [date]
The Setaside
[The % with its safety-margin logic · the on-receipt transfer rule · the account named · the one-way-glass rule verbatim]
The Calendar
[The rhythm dates (typed, verify-locally for the real ones) · each check-in's 30-minute agenda · filing season's handoff date]
The Records System
[The sheet's columns · the weekly five minutes · the receipts folder · the deduction tags (typed, professional-verified)]
The Handoff
[What the accountant gets: the export, the receipts, the questions list — and the first-meeting agenda if none is engaged yet]
Rates, estimated-payment rules, deadlines, and deductibility are jurisdiction-specific — the percentages here are safety margins and the calendar is a rhythm; a local tax professional supplies the real numbers, and this system's job is making their work (and bill) small. Not tax advice.
Quality Checks
The setaside triggers on receipt with a stated band and its safety-margin framing
The one-way-glass rule appears bluntly
Every date and rate is typed generic with the verify-locally flag
The records habit is small enough to survive (minutes, not sessions)
The professional handoff is the stated endpoint, not an afterthought
Anti-Patterns
Do not compute actual tax liability — bands and rhythm here, numbers at the professional's desk
Do not let the setaside wait for month-end — receipt-time or the money gets spent
Do not design a records system that takes an evening — it will be abandoned by week three
Do not treat the tax account as accessible — the first raid ends the system
Do not shame the mid-year starter — catch-up framing, calmly; the second-best time is now
