Self-Employed Couples

Running a business together and staying married: roles, money, decisions and leaving work at the door.

The BRO Code. What to do, what not to do, and a few laughs on the way.

Do's & Don'ts: Husbands Do's & Don'ts: Wives Do's & Don'ts: Business Owners

The Side Hustle Offers That Cost You Money Instead of Paying You

How to spot an MLM, a reshipping scheme or an upfront-fee job in about ninety seconds, and what each one actually costs when it goes wrong.

GuideRetirementRay OkonkwoSep 23, 20266 min

How One-Income Families Make Retirement Work

The spousal IRA, the survivor gap and the pension election that quietly decides whether your wife is fine at 78.

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Give me something to do with my kids this weekend

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GuideReal EstateRay OkonkwoSep 23, 20266 min

How To Read The Loan Estimate Lenders Hope You Skim

Three pages, one form, and a few boxes that tell you whether the rate you were quoted is actually the deal you're getting.

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Side Hustles6 min read

What to Set Aside for Taxes on Side Income From Dollar One

Open a second checking account, move 30 percent of every payment out of reach, and learn the four things the IRS actually wants you to track.

Poll

How often do you see your closest friends?

GuideRetirementRay OkonkwoSep 23, 20266 min

Claiming Social Security At 62, 67 Or 70

The same work record can pay three very different checks for life. Here's how the math works, and the question most couples forget to ask.

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Fixed, Adjustable, FHA, VA and Conventional Loans Side by Side

Five loan types, what each one actually costs you per month, and the fine print that bites buyers who only shopped the rate.

Coconut.com — Tell us when. We find where the sun is.

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GuideTradesRay OkonkwoSep 23, 20266 min

Licensing, Insurance and Your First Ten Customers

You can be running your own trade business a year from now. The order you do things in decides whether you make money or just make noise.

Quiz

Is your money actually in order?

Six questions. No email required, no sales pitch at the end.

GuideRetirementRay OkonkwoSep 23, 20266 min

How to cover health insurance if you retire before 65

COBRA, the marketplace, a spouse's plan or part-time work, plus the income lever most early retirees don't know they're holding.

GuideReal EstateRay OkonkwoSep 23, 20266 min

How to win a bidding war without waiving your inspection

Sellers pick offers on certainty, not on how much protection you gave away. Here's how to look like the safe bet and still keep your outs.

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Pressure-test my business idea

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GuideSide HustlesRay OkonkwoSep 23, 20266 min

What to Charge for Saturday Handyman Work

The license threshold, the insurance nobody skips twice, and the hourly math that tells you whether giving up Saturday is worth it.

CancerDefying.com — The research, protocols and reading in one place

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GuideRetirementRay OkonkwoSep 23, 20266 min

Medicare Advantage or Medigap and How to Actually Decide

One choice at 65 is easy to make and hard to undo. Know how the two paths differ before the mailers start piling up in your driveway.

Poll

Where does your phone charge overnight?

GuideReal EstateRay OkonkwoSep 23, 20266 min

Closing Costs Line by Line, and Which Ones You Can Haggle

Page 2 of your Loan Estimate is where a few thousand dollars quietly changes hands. Learn to read it, and you'll get some of that money back.

GuideSide HustlesRay OkonkwoSep 23, 20266 min

What eBay and Facebook Marketplace Actually Pay After Fees

A drill kit that sold for $120 put $71 in my pocket. Run the same math before you list, and know which things aren't worth the box.

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GuideRetirementRay OkonkwoSep 23, 20266 min

Medicare Parts A, B, C and D Without the Alphabet Soup

What each part actually pays for, the seven-month window you can't miss, and the one deadline that quietly costs you money for the rest of your life.

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Does your wardrobe actually fit you?

Five questions, honestly answered, and a plan for the next two weeks.

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Tutoring After Work Pays Well If You Pick the Right Subject

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Rehearse the raise conversation with me

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GuideRetirementRay OkonkwoSep 23, 20266 min

Retiring Early And The Bridge Years Nobody Plans For

Leaving work at 55 means a decade before Medicare and years before you can touch an IRA without a penalty. That gap is the whole job.

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$Run The Rent Versus Buy Math For Your Own Town$

Real Estate5 min read

Run The Rent Versus Buy Math For Your Own Town

Most rent-versus-buy advice is a slogan. Get these six numbers off your own street and the answer stops being a guess.

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Where does your phone charge overnight?

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