Title: Waiting for ITIN appointment: Handling W-2, 1099 income, and brokerage accounts

Title: Waiting for ITIN appointment: Handling W-2, 1099 income, and brokerage accounts

​"Hi everyone, I’m 19 years old in LA. I have an upcoming appointment to start my ITIN application and I want to get my finances in order.

​I have two jobs:

​A night job as a W-2 employee.

​A morning job where I get paid with personal checks (1099/Self-employed).

​I have a few questions:

​For the 1099 income, I lost some of the physical checks from 2025 (I only have the 4 most recent ones). How do I accurately report this income alongside my W-2?

​Once I get my ITIN, I want to invest in the S&P 500. Do I need to start making estimated quarterly payments for the 1099 income immediately, or should I wait until the ITIN is active?

​I want to keep my money accessible (liquid). Is a standard brokerage account the best way to grow my capital while maintaining the ability to withdraw it at any time without age-based penalties?

​Note: I used an AI to help me write this post because my English and spelling aren't very good yet. Cheers! haha"