So after paying for various things this year in order to make my profit less for 2017, I moved money from an online account to my regular checking account to cover those things. I chose to transfer the money today rather than tomorrow or the 29th or 30th or 31st...

A few minutes later I got an email that says: "Your request for an immediate transfer from your account to your external bank account has been received. You should expect to see the funds in your external account within 2-5 business days."

What? Two to five DAYS? I panicked and moved money from my business savings account, but I'll still be $656 short unless the transfer is more like 2 or 3 days rather than five. Five days? I'm pretty angry about that!

It should work out because my landlord usually takes a week or two to cash the rent check, but I am going to have to watch the account carefully and transfer from my personal account if I need to.

If you have a small business, do you "spend out" your business account at the end of the year? My business is an S-Corp (pass through). I am taxed on my profit, so I want to minimize that.

I did put $2000 into my SEP which is great - that means I had a profit this year, which was amazing because I didn't have any large projects, just a bunch of small stuff. Next year, fingers crossed, I'll get a larger project and things will be easier!