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Free guides for self-employed people, side hustlers, and landlords — quarterly taxes, LLC formation, retirement planning, and more.

Uber Says 6,200 Miles, DoorDash Says 4,100 — Why Neither Is Your Deduction

Platform mileage summaries measure what the platform saw, not what you can deduct. Read the label on the number, and why adding two platforms together makes it worse.

September 14, 2026

The Landlord Tax Kit: The Three Records That Decide Your Rental Tax Bill

Repair or improvement, personal-use nights, and when a property went into service — three facts that only exist if you wrote them down at the time. Here's the workbook built around the records no other rental template keeps.

September 12, 2026

Matching Your Side Hustle to Your Salary Isn't the Number That Matters

Replacing a $65,000 salary takes more than $65,000 of side-hustle income once self-employment tax and lost benefits are counted. Here's the real number, and the timeline that follows from it.

September 12, 2026

The Mileage Log That Survives an Audit — and the 2026 Rate Change Most Logs Get Wrong

The IRS mileage rate changed mid-2026: $0.725 through June 30, $0.76 from July 1. One rate for the whole year understates a 12,000-mile year by $210.

September 11, 2026

What Landlords Should Be Recording All Year, So Schedule E Takes an Hour Instead of a Weekend

Four records decide most of a landlord's tax bill, and three of them are impossible to reconstruct in April. Here's what to capture per property, month by month.

September 11, 2026

What to Hand Your CPA in January: The Self-Employed Records Checklist

A CPA can only work from what you give them. Here's exactly what to collect through the year — and the four items that cost freelancers the most when they're missing.

September 9, 2026

The Gig Worker Tax Kit: Built Around the Number Your Platform Won't Give You

Your 1099 reports more than you were paid, your platform's mileage figure is lower than what you actually drove, and one mileage rate applied to the wrong half of the year costs real money. Here's the workbook built around the numbers rideshare and delivery platforms don't hand you.

September 7, 2026

Priya, 36, Self-Employed With Two Kids — The SSDI Family Benefit Most People Don't Know Exists

Priya calculated her own SSDI estimate and assumed that was the full picture for her family. She was missing a major piece — dependent benefits for her children that could add over a thousand dollars a month to the household total.

August 30, 2026

Marcus, 39, Elected S-Corp at $110K — Then His Income Dropped to $62K. What Revoking Actually Costs.

An S-Corp that saved Marcus $5,328 a year now nets him $840. Here's the worked math on when the election stops paying, and why revoking it locks you out for five years.

August 28, 2026

Wei, 26, Barista + Occasional Content Creation — Does She Even Owe Anything on $470?

Wei made a few hundred dollars this year from occasional brand partnerships. Here's exactly how to tell whether her income crosses the $400 self-employment threshold — and why the answer isn't obvious from the numbers alone.

August 27, 2026

Multiple Side Gigs, One Tax Return: How to Combine Schedule C Filings

Running an Etsy shop and driving for Uber? Here's exactly how the IRS wants you to report multiple side hustles — separate Schedule Cs, one combined Schedule SE, and the rules most people get wrong.

August 26, 2026

Self-Employed Tax Deductions Checklist 2026 — Every Deduction Freelancers Can Claim

What expenses can self-employed freelancers deduct on taxes in 2026? Explore our full checklist including home office, mileage, software, insurance, education and QBI deduction guidance.

August 25, 2026

Priya, 42, S-Corp E-Commerce Owner — Why Her $70K Salary (Not Her Profit) Decides Her Retirement Room

Priya's e-commerce business profits far more than her salary — but her retirement contribution limit is based on her W-2 salary alone. Here's how that changes the SEP IRA vs Solo 401(k) math for S-Corp owners.

August 24, 2026

James, 34, Just Started Freelancing in October — Can He Still Open a Solo 401(k) Before Year-End?

James only has three months of freelance income this year. Here's whether a Solo 401(k) still makes sense for a partial year, why the December 31 deadline matters, and why his deferral is capped lower than the usual $24,500.

August 23, 2026

The Chens, Property Managers Handle Everything — Why Their STR Loophole Claim Got Rejected

The Chens bought a short-term rental expecting a large tax deduction against their W-2 income. They failed the material participation test — and their $165,000 loss got completely suspended instead. Here's what went wrong.

August 22, 2026

Rita, 50, Long-Time Landlord Converting a Rental to Short-Term — What Actually Changes for Her Taxes

Rita has owned her rental for 12 years and is considering converting it to a short-term rental. Here's what carries over, what resets, and why she may not even need the STR loophole to make this work.

August 21, 2026

Repair or Improvement? The $2,500 Rule That Decides Your Deduction

A $1,800 fridge is deductible this year. A $1,800 partial roof repair might not be. The IRS de minimis safe harbor and BAR test decide — here's exactly how the $2,500 rule works for landlords.

August 20, 2026

HELOC Draw Period vs. Repayment Period: The Rules Most Guides Skip

Most HELOC guides focus on qualifying for the credit line. Here's how the draw period and repayment period actually work, why your payment changes automatically, and how to stress-test your numbers before you borrow.

August 19, 2026

David, 45, Borrowed $80,000 Against His Home to Invest in the Market — Then Two Risks Hit at Once

David used a HELOC to invest $80,000 in the stock market, planning to pay it off with returns. When his portfolio dropped and his HELOC rate rose in the same year, both risks compounded at once.

August 18, 2026

Grace, 38, Used a HELOC to Consolidate Debt — Then Found Out She Couldn't Refinance Her Way Out

Grace's budget was already tight when she drew a HELOC to consolidate credit card debt. When the repayment period approached, high loan-to-value on her home meant refinancing wasn't an option — a risk that compounds instead of standing alone.

August 17, 2026

Alex, 29, First-Time Host Renting a Spare Property — Does His 5-Night Average Stay Actually Qualify?

Alex thought his short-term rental easily cleared the 7-day rule — until one long-term guest nearly pushed his average stay over the line. Here's how to actually calculate this, and why it's riskier than it looks with a small number of bookings.

August 16, 2026

Gig Platforms and the New Tip Deduction: What Actually Qualifies

DoorDash and Uber Eats drivers can now deduct up to $25,000 in tips under the OBBBA. Here's exactly what counts as a qualified tip, what doesn't, and why you still have to report every dollar.

August 14, 2026

DoorDash, Uber Eats, Instacart: Real Hourly Pay After Gas and Taxes

Gig platforms show gross pay, not what you keep. See how much DoorDash, Uber Eats, and Instacart drivers really earn per hour after vehicle costs and self-employment tax — using the current 2026 IRS mileage rate.

August 14, 2026

S-Corp Readiness Checklist: Are You Actually Ready to Elect S-Corp Status in 2026?

Use this complete 2026 S-Corp readiness checklist before filing Form 2553. Review income thresholds, reasonable salary rules, payroll obligations, CPA requirements and state-specific tax considerations.

August 12, 2026

Maria, 28, Freelance Photographer Earning $45K — Why Her SEP IRA Is Leaving $24,500 on the Table

Maria has used a SEP IRA since she went freelance. At her income, switching to a Solo 401(k) could let her contribute $24,500 more per year. Here's exactly why.

August 11, 2026

The $25,000 Passive Loss Trap: Why Your MAGI Determines If You Can Use It

Your rental shows a $20,000 loss this year — but can you actually deduct it against your W-2 income? The answer depends entirely on your MAGI. Here's the exact phase-out math the IRS uses.

August 10, 2026

Sarah, 32, Marketing Manager + Weekend Etsy Shop — Why Her $18K Side Income Is Really Taxed at 34%, Not 12%

Sarah's day job puts her in the 12% tax bracket. She assumed her Etsy side income would be taxed the same way — it's actually costing her over a third of every dollar once self-employment tax stacks on top.

Selling Your Rental? Here's the Tax Bill Most Landlords Don't See Coming

Selling a rental triggers three separate taxes most landlords only discover at closing: depreciation recapture, capital gains, and possibly NIIT. Here's how they stack, with a full worked example.

The Depreciation Mistake That Costs Landlords Thousands (Even If You Never Sell)

Not claiming depreciation on your rental doesn't protect you from recapture tax — it just means you pay it with nothing to show for it. Here's the "allowed or allowable" rule every landlord needs to understand.

100% Bonus Depreciation Is Back for 2026 — What Cost Segregation Actually Means for You

OBBBA permanently restored 100% bonus depreciation in 2026, reversing a scheduled phase-down to 20%. Here's what this means for landlords, and how cost segregation studies can multiply the benefit.

Self-Employment Tax Rate 2026 — What It Is and How to Calculate It

Learn the 2026 self-employment tax rate (15.3%), updated Social Security wage base, Medicare tax rules, and exact calculation formula. Discover deductions, quarterly payments & tips to lower your SE tax.

Self-Employed Disability Insurance: What SSDI Actually Covers (And What It Doesn't)

Self-employed people often assume Social Security Disability Insurance will replace their income if they can't work. Here's how SSDI benefits are actually calculated, why the "average" figure is misleading, and how to think about private coverage.

Jake, 23, Freelanced Right Out of College — He Assumed SSDI Was His Safety Net. He Wasn't Even Eligible Yet.

Jake started freelancing straight out of college and assumed Social Security disability would cover him if something happened. He hadn't worked long enough to qualify for SSDI at all — here's the work credit requirement freelancers miss.

Tom, 45, Senior Engineer at $140K + $25K Freelance Consulting — Why His Side Income Costs Him 36%, Not the 24% He Assumed

Tom's day job already puts him in the 24% bracket. His consulting income stays in that same bracket — but once self-employment tax stacks on top, his real rate is 36%, not the number he'd budgeted for.

Safe Harbor Rule Explained — How to Avoid Estimated Tax Underpayment Penalties in 2026

What is the IRS Safe Harbor rule for estimated quarterly taxes in 2026? Compare the two qualifying methods, 110% AGI threshold rules and common mistakes that void penalty protection.

Jennifer & Mike, Combined $250K W-2 Income — How Their New Airbnb Cut $35,500 From Their Tax Bill

Jennifer and Mike bought a short-term rental and qualified for the STR loophole. Here's the complete math — cost segregation, 100% bonus depreciation, and material participation — that turned their W-2 income tax bill upside down.

How to Reduce Self-Employment Tax in 2026 — 7 Legal Strategies

Self-employment tax hitting hard in 2026? Discover seven IRS-legal methods to lower your SE tax bill. See savings breakdowns for S-Corps, Solo 401 (k), deductions & qualified business income.

The STR Loophole Explained: How Short-Term Rentals Escape the Passive Loss Trap

The STR loophole lets qualifying short-term rentals offset W-2 income without Real Estate Professional status. Here's exactly how material participation, the 7-day rule, and 100% bonus depreciation combine to make it work.

Nathan, 52, Checked His HELOC Transition Date 18 Months Early — And Locked In Before the Rate Risk Hit

Nathan's HELOC repayment period was approaching. Instead of waiting for the automatic transition, he checked the date 18 months out and refinanced into a fixed-rate loan — avoiding a stress-tested payment that could have run $166 a month higher.

How to Set Your S-Corp Reasonable Salary in 2026

How much should an S-Corp owner pay themselves in 2026? Understand IRS reasonable compensation standards, BLS wage research, salary ranges and recordkeeping needed if you face an audit.

When Can You Actually Quit Your Job for Your Side Hustle?

Thinking about leaving your job for your side hustle? Here's the real framework for deciding when your income is actually ready — not just what feels exciting in the moment.

Elena, 41, Marketing Consultant Earning $120K — Why Her SSDI Estimate Still Leaves a $4,770 Monthly Gap

Elena earns well above average and her SSDI estimate scales up accordingly — but her lifestyle costs scaled up too. Here's why higher earners can face an even bigger dollar gap than lower earners, despite a higher benefit estimate.

14-Day Rule vs 7-Day Rule: The Two Numbers Every Airbnb Host Confuses

"14-day rule" and "7-day rule" get used interchangeably online, but they answer completely different tax questions. Here's what each one actually controls — and why mixing them up costs hosts real money.

LLC or Umbrella Insurance? What Actually Protects You When You Own Multiple Properties

$200/year in umbrella insurance vs $1,000+/year per LLC — landlords who own multiple properties face a real cost-vs-protection decision. Here's the framework, not just an opinion.

The $400 Rule: Do You Owe Taxes on a $500 Side Hustle?

Earned $400 or more from a side hustle? The IRS says you must file — even if your day job already covers your standard deduction. Here's exactly how the $400 self-employment threshold works.

1099-K Threshold Reversed: Why You Might NOT Get a Tax Form This Year (But Still Owe Tax)

The 1099-K $600 rule was reversed by the OBBBA — the threshold is back to $20,000. Learn what this means for Etsy, PayPal, Venmo, and gig income, and why you still owe tax either way.

David, 55, Independent Consultant Earning $180K — The $32,500 Gap His SEP IRA Never Told Him About

David has maxed out his SEP IRA for years without knowing a Solo 401(k) could let him contribute $32,500 more this year alone — and even more once he turns 60

How to Pay Quarterly Taxes as a Self-Employed Person (2026 Complete Guide)

Learn everything about 2026 quarterly taxes for self-employed workers. Find official payment due dates, estimate your tax bill, use safe harbor rules and submit payments via IRS Direct Pay.

LLC vs S-Corp: Which Saves More Tax in 2026?

Confused between LLC and S-Corp for your freelance business? See real tax savings math including hidden S-Corp overhead, IRS salary requirements & state-specific rules for 2026.

Mike & Priya's HELOC-Funded Rental — How a $770 Payment Became $2,610 Almost Overnight

Mike and Priya used a $120,000 HELOC to buy a rental property. Here's the math on how their interest-only payment turned into a fully amortizing payment 3.4x higher — and how to stress-test your own numbers before you draw.

Maya, 29, Freelance Photographer Earning $38K — The SSDI Gap Calculator That Changed Her Mind About Insurance

Maya assumed Social Security disability would basically replace her income if she couldn't work. Running her real numbers showed a gap of over $1,300 a month — here's the math, and why the "average" SSDI figure is misleading for lower earners.

Solo 401(k) vs SEP-IRA: Which Saves More for Self-Employed People in 2026?

Compare Solo 401 (k) vs SEP-IRA for self-employed in 2026. View IRS contribution limits, income-based max savings, tax benefits, deadlines, and scenarios where each retirement account works best.

1099 vs W-2: The Complete Tax Comparison for 2026

1099 vs W-2 full tax comparison for 2026. Learn payroll tax differences, eligible deductions, take-home pay gaps, quarterly tax rules, and when contractor work makes more financial sense.

Home Office Deduction 2026 — Who Qualifies and How to Claim It Correctly

Learn the 2026 IRS home office deduction rules: eligibility requirements, simplified & actual expense calculation methods, required documentation, and common audit mistakes for self-employed freelancers.

Best Business Bank Accounts for Freelancers in 2026

Which business bank account should freelancers choose in 2026? Our comparison covers Mercury, Relay, Novo and traditional banks, plus requirements to open an LLC business checking account.

How to File Form 2553 Step by Step (2026 Guide)

Learn how to fill out and submit Form 2553 to elect S-Corp tax status for your LLC. Follow our walkthrough, check 2026 deadlines, filing addresses and what happens after IRS approval.

The Hidden Cost of Quitting: What You Lose Besides Your Salary

Quitting your job for your side hustle costs more than your salary. Health insurance, retirement match, and PTO add up fast — and 2026's expired ACA subsidies make this math matter more than ever.

What's My True Hourly Rate as a Freelancer? (And Why It's Lower Than You Think)

Most freelancers underestimate their actual earnings. Calculate your true hourly rate after taxes, unpaid admin time and business costs. Discover what price range you need to hit your income goals.

Side Hustle + Day Job: Why Your Tax Bracket Isn't What You Think

If you have a W-2 job and side income, your side hustle isn't taxed at your average rate — it's taxed at your marginal rate. See exactly how stacking works with 2026 tax brackets and real numbers.

Should I Form an LLC as a Freelancer? The Complete 2026 Guide

Wondering if you should form an LLC as a freelancer? This 2026 guide covers LLC costs by state, liability protection & tax rules. Use our free tool to decide when to register an LLC for self-employment.