This looks like a job for a Roth IRA!
Although... SEVERAL thousand? You know that's just an interest-free loan to the government, right? Is there any way you could reduce how much you pay in over the year?
Yeah...I know. But I'm going back to work soon enough and together we are in another bracket which has a higher rate.
I've only been unemployed for two years...we really weren't prepared for that. And now that I'm going back...not something that we should mess with because it's a pain to pay. We usually get a little something back...not much. It's almost a wash usually.
But this year is different. No wages...just a little capital gains and dividends to deal with.