When you leave a traditional job, health insurance gets most of the attention. But dental and vision coverage quietly disappear too — and because they’re not legally required to be included in ACA marketplace health…
If you’re self-employed and not yet saving for retirement in a tax-advantaged account, the SEP IRA is one of the most powerful and least complicated places to start. It takes less than 30 minutes to…
If you’re logging business expenses in a notes app, a spreadsheet, or — let’s be honest — not tracking them at all, you’re making tax season harder than it needs to be. More importantly, you’re…
Independent workers leave between $3,000 and $10,000 in legitimate tax deductions unclaimed every single year. Not because the deductions don’t exist — they do, clearly, in the tax code — but because nobody explained them,…
Every freelancer encounters it sooner or later. The proposals that went out last week haven’t been answered. The client who was “definitely going to have a project for you next month” has gone quiet. You…
There’s a version of freelancing where you wake up on the first of the month knowing exactly how much money is coming in — before you send a single proposal, pitch a single client, or…
When you work a traditional job, life insurance often happens to you. HR sends a benefits enrollment form, you select a coverage tier, and the premium disappears from your paycheck before you even notice it.…
Most freelancers know they’re supposed to save for taxes. Far fewer realize that the account they park that money in matters almost as much as how much they put in. If your tax set-aside is…
Tax season hits differently when you’re self-employed. There’s no single W-2 to plug in — there’s Schedule C, Schedule SE, quarterly estimated payment records, a year of business deductions to categorize, and often income from…
A common misconception among new freelancers is that retirement accounts like the Roth IRA are designed for W-2 employees and somehow don’t apply cleanly to self-employment income. They do. Self-employment income qualifies as earned income…