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Life decisions

I currently am a carpenter with a small business (edit:I own the business).I make good money. I am able to pay all of my family‘s bills and afford the minor luxuries, but we don’t have health insurance. The baby has it through the state for one year. But that’s going to be ending in six months. I am also paying very minimal taxes.That will have to change eventually.

I’m trying to figure out the best way to go forward. I have an appointment with an advisor at the local community college to try to get different certifications in the construction field, like a home inspector license, or residential and commercial electricians license. I’ve also been thinking about joining the military. With the test scores I got I will never have to see combat and would basically be able to pick any job I wanted (or so they say). I also have an opportunity to work for the state. It will be a pretty big pay cut and very hard to pay the bills, but there is room for advancement, a pension, and full coverage for my family.

The money I make now is great, it will be more than any entry level job that I would be able to get. I’m just thinking about the future and trying to figure out the best option to get my family healthcare, not get assfucked by the IRS, and advance in my career. Thoughts?

I currently am a carpenter with a small business (edit:I own the business).I make good money. I am able to pay all of my family‘s bills and afford the minor luxuries, but we don’t have health insurance. The baby has it through the state for one year. But that’s going to be ending in six months. I am also paying very minimal taxes.That will have to change eventually. I’m trying to figure out the best way to go forward. I have an appointment with an advisor at the local community college to try to get different certifications in the construction field, like a home inspector license, or residential and commercial electricians license. I’ve also been thinking about joining the military. With the test scores I got I will never have to see combat and would basically be able to pick any job I wanted (or so they say). I also have an opportunity to work for the state. It will be a pretty big pay cut and very hard to pay the bills, but there is room for advancement, a pension, and full coverage for my family. The money I make now is great, it will be more than any entry level job that I would be able to get. I’m just thinking about the future and trying to figure out the best option to get my family healthcare, not get assfucked by the IRS, and advance in my career. Thoughts?

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[–] [deleted] • 2 pts

To reduce taxes, start a business. The business can be just you. The legal structure of the business (corporation, S-Corp, LLC, etc.) I will leave to you and your research. You can write off all sorts of expenses as business expenses and reduce taxes (e.g., phone, heat). If the name of your business is your name, then sometimes that makes things easier - depending upon what you're trying to do (being intentionally vague here). Try to get business by word of mouth. While its still legal, if you can get paid in cash.

Join the national professional organization that covers your services - they often they have some sort of health insurance program for members, but don't expect too much.