How Much Should Freelancers Save for Retirement? (Benchmarks by Age)
Realistic savings targets and percentage rules of thumb for self-employed professionals without corporate pensions.
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The Freelancer Finance Library
Every practical guide we've published, organized newest first — quarterly taxes, solo 401(k)s, business banking, LLC structuring, and cash flow systems.
Traditional vs Roth Solo 401(k): Which Should Freelancers Choose?
The tax-now-vs-tax-later tradeoff between a Traditional and Roth Solo 401(k), and a simple rule of thumb for deciding.
SEP-IRA vs Solo 401(k): Which Retirement Account Is Best for Freelancers?
Compare contribution limits, loan features, Roth options, and administrative rules for Solo 401(k) and SEP-IRA retirement plans.
Term Life Insurance for Freelancers: How Much Coverage Do You Need?
Calculate your term life insurance needs as a self-employed breadwinner without paying for overpriced whole life policies.
Disability Insurance for Freelancers: Protecting Your Most Valuable Asset
Why your ability to earn an income is your biggest asset, and how short-term vs long-term disability policies work for 1099 workers.
Health Insurance Options for the Self-Employed: ACA, HSAs, and Sharing Ministries
How to choose health coverage when you work for yourself — ACA Marketplace subsidies, High Deductible Health Plans, and private options.
How to Separate Business and Personal Finances in 4 Simple Steps
A clean workflow for separating personal living expenses from freelance client revenue and operating costs.
Best Business Credit Cards for Freelancers: Cash Back vs Travel Points
How to choose a business credit card as a sole proprietor or LLC to separate expenses and maximize cash back rewards.
Do Freelancers Need a Separate Business Bank Account?
Why mixing personal and business money makes taxes harder — and what to look for in a freelancer business bank account.
How to Track Business Expenses as a Freelancer (Without a Spreadsheet Nightmare)
A simple system for tracking freelance business expenses year-round, so tax season is a five-minute export instead of a scramble.
11 Tax Deductions Freelancers Often Miss
Common Schedule C deductions self-employed freelancers overlook, from home office to health insurance premiums.
Self-Employment Tax, Explained: Why It's 15.3% and Where It Goes
A breakdown of the 15.3% self-employment tax — Social Security, Medicare, and the deduction most freelancers miss.
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