The Knowledge Blog
Posts on finance, investing, business practices, and other oddball topics for freelancers. Grab your favorite beverage and get stuck in.
Latest Posts
How Freelancers Can Max Out 2026 Contribution Limits - Solo 401(k), Roth IRA, HSA
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.
The HSA - Health Savings Account. Another sweet tax deduction
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.’
My name is Chris Albert. I’m a 52-year-old freelance Director of Photography and studio owner who built a seven-figure portfolio from zero—no inheritance, no financial background, just consistent saving and sensible investing over 30 years.
Financial institutions consider me a ‘high net-worth individual’. At Schwab, as a $1 million+ account holder, I qualify as a Schwab Private Client Services customer, and, under SEC rules, I am considered an Accredited Investor.
Why the website? I built this site because I couldn't find one place that explained what and how freelancers like us should set up retirement accounts (the Solo 401(k), Backdoor Roth IRA, and HSA) and what investments to put in them—without the sales pitch, fees, or the overly-complicated Wall Street products.
We are going to get rich slow. In later years, live more, work less.