From the IRS:"You will be liable for social security and Medicare taxes and withheld income tax if you do not deduct and withhold them because you treat an employee as a nonemployee, including yourself if you are a corporate officer, and you may be liable for a trust fund recovery penalty."

I'm currently doing surplus recovery from tax deed overages all over the United States. 

A recovery is when you go back to the previous growth trend line before the recession.

For example, I am a little concerned about some aspects of the business cycle recovery and a potential for a double-dip so I lean toward the safest part of capital stack which is debt (or low-debt equity).

I haven't done either yet, but for the water heaters I would be looking into heat pump water heaters and drainwater heat recovery.

There are some credit recovery services that will tell you how to increase your score the fastest. 

When I fail, I feel sluggish and mentally slow. 100% agree, and again, so glad to hear about your recovery!

If the market turns, you're unlikely to see a recovery in 3 years.

To be realistic, separate "truth from reality:"  I think we'd agree that its true that professional athletes make oodles of money (at least the males).  

We have a unique mix of factors currently affecting the market: inflation, rates, covid recovery, supply constraints, among others.Given this, what asset classes are you investing in right now?