# FreelancerFinance

> Free personal finance education for freelancers and self-employed 
> professionals, covering retirement accounts, tax-advantaged investing, 
> and long-term wealth building. Core philosophy: low-cost index funds, 
> tax-advantaged accounts, and slow, steady accumulation. Written by 
> Chris Albert, a freelance Director of Photography who built a 
> seven-figure portfolio with no financial background.

## Core guides
- [Solo 401(k) Complete Guide](https://www.freelancerfinance.net/solo-401k/what-is-the-solo401k): What it is, contribution limits, and step-by-step setup.
- [Tax-Advantaged Accounts for Freelancers](https://www.freelancerfinance.net/knowledgeable/tax-advantaged-accounts-freelancers): The full 2026 list — Solo 401(k), Backdoor Roth IRA, HSA, SEP-IRA.
- [The Three Investment Accounts That Freelancers Should Have](https://www.freelancerfinance.net/knowledgeable/three-freelancer-investment-accounts): Sheltering up to $96,250 in 2026 across three tax-advantaged accounts.
- [The Roth and Backdoor Roth IRA](https://www.freelancerfinance.net/knowledgeable/rothira): How the Backdoor Roth works for high earners and Solo 401(k) holders.
- [The Three-Fund Portfolio](https://www.freelancerfinance.net/knowledgeable/the-three-fund-portfolio): Why U.S. stocks, international stocks, and bonds are the only funds most freelancers need.
- [2026 Income Tax Rates](https://www.freelancerfinance.net/knowledgeable/taxed): How federal tax brackets work and how Solo 401(k)/HSA contributions lower taxable income.
- [What Does a Financial Advisor Actually Cost](https://www.freelancerfinance.net/knowledgeable/financial-advisor-cost): How a 1% AUM fee can cost $480,000 over 17 years.
- [Where to Put Your Emergency Fund](https://www.freelancerfinance.net/knowledgeable/emergency-fund): Comparing HYSAs, Treasury ETFs, and other options for the self-employed.

## Policies
- [Terms of Use](https://www.freelancerfinance.net/terms-of-use)