50 from the lowest-paid month to the highest. With this amount of uncertainty, it’s reasonable that withdrawing roughly 30 percent from each payment for taxes would create fear and insecurity, and thus people would opt for more control. Given this, we theorized that the optimal solution would be one that gave people more control of their money and still enable them to pay their tax bill. This was confirmed by an 800-person follow-up survey we conducted with contract workers. Respondents expressed the most concern about accessibility of their tax fund money. This contradiction presented a conundrum for our proposed solution. In our first study they said they wanted a system to help them easily save for taxes every paycheck, but in the second study they said they were worried about the accessibility of their money. WHICH IS THE STRONGER FORCE? Which of these competing preferences was more important? To understand whether people’s expressed concerns about accessibility were representative of their actual behavior, we ran a test. Payable asked its users if they wanted to enroll in this new tax fund and then had them go through the process of signing up for it, with a twist. For some Payable users, we emailed a promotion that focused on the benefits of automation: “Do you want to sign up? We will automatically save the right amount.” For other Payable users, we emailed a promotion that focused on accessibility and their ability to stay in control: “Do you want to sign up? You can approve transfers and withdraw at any time.” Good news. Both versions demonstrated a clear demand for a 1099 tax savings program. Across both versions, an average of 13 percent of people who opened the email clicked to say they wanted to sign up for the tax fund. That’s a substantial number of 1099 contractors with a desire to get help saving. However, to everyone’s surprise, 1099 workers were 25 percent more likely to opt for a tax fund that Graphic courtesy of Common Cents Lab.