Ok, question for all you people before I go talk to my accountant tomorrow. One of my customers is going to pre-pay to me here at the end of this month or next month for next year. Approx $12,000. What is a good legal way that I can put this money for I won't get taxed over $1800 dollars? I have thought about putting it into a retirement fund, but also how soon after the first of the year can I dip my fingers into the honey pot to take some of the money out? Please those that only know what they are talking about respond. I need some ideas and a game plan before going in to talk to my accountant.