[quote=joec]If you’re self employed, I think you’re also required to use “net” profits now as income. That makes it so you now may not qualify if you want to minimize your taxes in a given year…Want to contribute to your retirement? Maybe skip it a year to jack up your income to qualify for a refi…[/quote]I thought self employed people don’t have any more tools to minimize their taxes compare to W2-er?