The Freelancer’s Guide to Separating Business and Personal Finances
Why and how freelancers should separate business and personal finances, from opening a dedicated account to protecting LLC liability shields.
How Much Should Freelancers Save for Retirement? A Practical Framework
A practical framework for figuring out how much of your freelance income to save for retirement, and which accounts to prioritize.
1099 vs W-2: What Freelancers Need to Know About Taxes and Withholding
How tax withholding, self-employment tax, and deductions differ between 1099 freelance income and traditional W-2 employment.
How a Freelance Designer Paid Off $30,000 in Debt on a Variable Income
A composite case study showing how a freelance designer paid off $30,000 in debt on a variable income using rate increases, a percentage-based payoff rule, and deliberate use of windfalls.
How to Raise Your Freelance Rates Without Losing Clients
How to communicate a freelance rate increase to existing clients without damaging the relationship, and why some attrition is a normal part of the process.
The Best Invoicing Software for Freelancers in 2026
How to choose invoicing software as a freelancer, what features actually matter, and the trade-offs between standalone tools and full accounting platforms.
How to Write a Freelance Contract That Protects You (With Key Clauses to Include)
The essential clauses every freelance contract should include to protect your payment, scope, ownership rights, and time.
How to Find Affordable Health Insurance on the ACA Marketplace as a Freelancer
A guide to navigating the ACA Marketplace as a freelancer, including subsidy eligibility, plan tiers, and how to compare total cost.
Building an Emergency Fund on an Unpredictable Freelance Income
A practical framework for building an emergency fund when your freelance income is unpredictable, including how much to save and where to keep it.
SEP-IRA vs Solo 401(k): Which Retirement Plan Is Right for Freelancers?
A side-by-side comparison of SEP-IRAs and Solo 401(k)s to help freelancers choose the retirement account that fits their income and goals.