The "should I be an S-Corp" question comes up constantly with freelancers and self-employed. So I built a calculator to settle it — here's the real tradeoff between paying 15.3% self-employment tax on everything you make versus running payroll and filing two tax returns.

Yes, you the importer paid the tariff, and it was illegal. The Supreme Court said so back in February — here's how solo operators like us actually get that money back.

The President's posts move oil, bonds, and your index funds. Wall Street can now get them milliseconds early for $100k a month. We can't.

The Mega Backdoor Roth is a strategy for freelancers with a Solo 401(k) to contribute beyond the normal employee and employer limits, using after-tax contributions that get converted to Roth

Two IRS rules let you access retirement money before 59½ without the 10% penalty. Here's how Rule 72(t) and the Rule of 55 actually work for freelancers.

Freelancers get access to some of the best tax-advantaged accounts in the tax code. Here's the full list — what each one does, how it's taxed, and which ones to open first.

Your sub-5% mortgage costs you less than your portfolio earns. That gap is free money — make extra mortgage payments, or invest. Let's run the numbers on $200 and $500 a month.

That 1% annual advisor fee doesn't sound like much. But on a $630,000 portfolio over 17 years, it quietly drains nearly $480,000 from your retirement — while the same money in a low-cost index fund does none of that. Here's what the financial industry would prefer you never actually calculate.

Someone in the Trump administration is leaking market-moving information. Your portfolio is the loser.

Form 5500-EZ exists to prove your Solo 401(k) is still alive and in compliance. File it late, and the penalty can decimate your retirement savings. Here's everything you need to know.

The income tax system works like a layer cake, not a cliff. Understand the 2026 federal tax brackets, how your freelance income flows to taxable income, and how Solo 401(k) and HSA contributions slice off the most expensive layers.

Freelancers can shelter up to $96,250 in 2026 using three tax-advantaged accounts. Learn which to open first and how much you can contribute.

Rebalancing is simply bringing your portfolio back to your target allocation. That’s it. No spreadsheet pain. No Wall Street jargon. Better yet, I have a nifty calculator to do the math.

Here we go, 2026! What could possibly go wrong, right?

Read about the new 2026 limits for the i401(k), also known as a Solo 401(k). Plus the Roth and Backdoor Roth IRA, and the awesome HSA.

How did 2025 turn out? - The U.S. market coped with some novel pressures and the vibecession continued. Meanwhile, International outperformed.

Did you have a terrible year financially? That painful low-income year might at least have a silver lining. If you had a bad year, your marginal tax rate will be lower than usual, so now might be a good time for a Roth conversion.

Max out the contributions to your retirement accounts before year's end. Now is the time to get your QuickBooks in order and talk to your accountant before the end of the year. Don’t wait.

The freelancer investment trinity — i401(k), HSA, and Backdoor Roth IRA.

The Robinhood Gold Card is a great deal for investors; instead of trying to use points to shop or travel, we’ll invest the unlimited 3% cash back and spend big later in life.

Are you freelance or self-employed in your 40s or 50s without retirement savings? You're not screwed. Here's the math: Start investing $2K/month at 50, and you'll have $600K by 65. The biggest mistake isn't starting late—it's not starting today.

We look at what’s in the 2025 Big Beautiful Bill for Freelancers and Self-Employed.