If that's been a trend for you each quarter, or if your taxes have gone up significantly, i would highly recommend talking with a cfp financial planner OR tax professional on tax efficient strategies for your finances, they can look at education credits/account types you may be eligible for (since you mentioned you're seeking out a PhD or in school?), deductions, tax advantaged bonds (especially for ny state), retirement accounts, etc.
I hope you don't think I'm being too forward, but theres some value in talking to someone if you can keep more of your earnings, and hopefully save and earn a little more.
/back to awkward moments
I hope you don't think I'm being too forward, but theres some value in talking to someone if you can keep more of your earnings, and hopefully save and earn a little more.
/back to awkward moments
And you're not being forward at all. Thanks for your help!