UMA calculator 2025-11-18T09:19:57Z

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Rain lashed against my home office window as I knelt on the floor, surrounded by crumpled receipts that smelled like stale coffee and desperation. My freelance photography business was hemorrhaging money, and I couldn't pinpoint why. That's when my accountant's email arrived – subject line screaming about unpaid taxes due in 72 hours. Panic clawed at my throat like physical thing. I'd been juggling three banking apps, a spreadsheet that constantly crashed, and QuickBooks invoices that clients "n

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