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.

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.

How much emergency fund do freelancers and self-employed individuals need? Compare HYSA, Treasury ETFs like VBIL, and other options for self-employed workers. State tax savings tips included

The Roth IRA — With simple set-and-forget investing, it’s easy to have around $1 million in retirement.

2024 — The markets, a Trump election victory, and whatever happened in your freelance industry. What did it all mean for our i401k portfolio and the goal of chill-retirement?

The Three-Fund Portfolio — Freelancers, it’s pretty much the only investment we need in the stock market. U.S. Stocks, International Stocks, plus Bonds

The stock market is often widely misunderstood due to the hype in the media reporting on short-term market moves. That and the jibba-jabba of your next door neighbor or some guy in a bar. It’s the long term that matters. We need to ignore the noise.

Vanguard exits managing i401k accounts - but we still love their ETFs and funds. Let’s chat about what i401k provider to use.

The HSA (Health Savings Account. Make your out-of-pocket medical expenses a sweet tax deduction. The money is always yours; it’s not ‘use it or lose it.’

2023 goes down as a classic example of how no one can predict the economy or the stock market. The Wall Street Journal’s headline was, “What Did Wall Street Get Right About Markets This Year? Not Much”

This is called stock picking. Investors try to pick winning companies like Apple and Telsa or some unknown startup. Here is the problem, no one who stock picks will ever beat a three-fund portfolio long term!

The thing that trips investors up is their emotional response. The market isn’t the problem, our brains that evolved on the savannah are.