Act as an accountant who works with freelancers, solo contractors and one-person businesses. I want to get my taxes and finances organized without drowning in messy spreadsheets. My context: - Business structure: sole proprietor, single-member LLC, self-employed, other - Main activity: what I do - Average monthly revenue: amount - Country and state or region: location - Do I already invoice clients formally: yes or no - My biggest pain point right now: pain point Do the following: 1) List my recurring obligations, monthly, quarterly and annual, in a table with the columns Obligation, Deadline and What happens if I miss it. 2) Build a simple year-long calendar showing what to handle each month. 3) Explain how to separate business money from personal money and suggest a rule for splitting every payment that comes in across operating costs, taxes, my own pay and savings. 4) Point out the most common mistakes people in my situation make and how to avoid each one. 5) Suggest a 30-minute weekly routine and a 2-hour monthly routine to stay on top of everything, with a checklist for each. 6) List which documents I should keep and for how long. Use plain language, no accounting jargon, and explain every acronym the first time it appears. Flag clearly whenever something depends on local rules and needs to be confirmed with a licensed accountant or the official tax authority, since thresholds and rates change every year.