Retirement & Investing
Self Employed Retirement Accounts: SEP, Solo 401(k), IRA
One of the real upsides of working for yourself is that you’re not stuck with whatever plan an employer happens to offer.…
Month: August 2026
Retirement & Investing
How Much to Save for Retirement on a Variable Income
Once you’ve accepted that your retirement is your own job, the very next question is the one that stops most self-employed people…
Retirement & Investing
Self Employed Retirement Planning: A Complete Guide
When you work for yourself, nobody sets up your retirement for you. There’s no employer quietly enrolling you in a pension, no…
Growing Income
What to Do When You Lose a Big Client
Few things rattle a self-employed person quite like the email that starts “we’ve decided to take things in a different direction.” When…
Growing Income
How to Diversify Your Income So It’s Less Spiky
An income can be large and still fragile if it rests on one client, skill, or platform. Here is how to diversify…
Growing Income
How to Turn One-Off Clients Into Recurring Income
The exhausting part of freelancing is the constant hunt for the next project. Here is how to turn one-off clients into recurring…
Growing Income
How to Add a Second Income Stream on a Variable Income
A second income stream raises your total earnings and makes a variable income far less fragile. Here is how to add one…
Growing Income
How to Raise Your Freelance Rates Without Losing Clients
Raising your prices is the fastest way to earn more, and the one freelancers avoid longest. Here is how to raise your…
Growing Income
How to Increase an Irregular Income
Budgeting an irregular income has a ceiling; earning more does not. Here is how to increase an irregular income with five growth…
Spending
How to Break Impulse Spending Habits in a Feast Month
A flush month quietly waves through small, reasonable-feeling purchases. Here is the psychology behind impulse spending habits, and how to say no…