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[–] 2 pts

Change your employee paperwork so they don't auto with hold. You can say you have 10 dependants on the form for your employee so long as you are honest with the IRS. Just don't be a nigger and save some money in case you get a tax bill.

With the interest free loan to the government out of the way, now you start a small business. It does alright, but isn't profitable until your 3rd year or maybe you close, in the meantime the travel cost, cell phone and other expenses make it negative income.