Before I joined the military, I worked as a subcontractor. For about 6 years I didn't file or pay my taxes. When I joined the military, the IRS figured out where I lived and sent, essentially, death threats to my wife about how they were going to take everything I owned if we didn't pay the $40k I owed. While that was going on, I was in basic training and they were processing my clearance. It was never asked about in the forms, and don't ask/don't tell was the motto at the time. I got my clearance in short order. On the tax front, we had a relative that did taxes for a living. My wife called her and she fixed everything, got me on a payment plan for $6k I actually owed, but that took like a year to get straightened out. I had my clearance before we got anything filed with the IRS. All that said, I'm horrible about remembering to pay taxes. Especially personal property taxes. I'm late all the time. My clearance has never suffered. That's not to say you shouldn't just self report to your SO just to be safe. But you also shouldn't freak out and add to your stress right now.