Open a separate business checking account with your local Credit Union. It is cheaper than an account from a bank. Deposit all business payments to this account, then transfer funds to your separate personal account as needed.
Transfer your tax reserve to the savings account that goes with your business checking account. Then you will always have enough on hand to make your quarterly tax payments. Do this every month. Do not ever skip this step and do not raid the tax fund for any reason. Oh, and make those quarterly tax payments on time, every time.
Best of luck to you!
If the person looking to be a tax consultant didn’t know that stuff….
Exactly what you said.