Taxes in The Self-Employed Man

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Sharpening Blades for the Neighborhood Without Ruining Anybody's Knives

Mower blades, kitchen knives and chainsaw chains pay real money on a Saturday, but only if you batch the work and know what to turn away.

GuideReal EstateRay Okonkwo23 Sept 20266 min

Your House Sells In The First Week Or It Goes Stale

The buyers who'll pay the most see your listing in the first ten days. Price for them, not for the number you wish you could get.

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GuideRetirementMarcus Vale23 Sept 20266 min

Moving Closer to the Grandkids Without Regretting It

Before you list the house and follow your kids across three states, run these numbers and have one honest conversation.

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Side Hustles6 min read

What Sells at the Farmers Market and What Just Sits There

Cottage food law, a 30-inch home oven, and the honest math on an 18-hour week spent behind a folding table.

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What was your first ever job?

GuideReal EstateRay Okonkwo23 Sept 20266 min

Fix the Roof, Skip the Kitchen Remodel Before You Sell

The pre-sale work that buyers actually pay for, the projects that quietly eat your proceeds, and the order to do it in.

GuideRetirementRay Okonkwo23 Sept 20265 min

What Goes Away From Your Budget At Retirement, And What Grows

Your spending doesn't fall off a cliff when the paychecks stop. It changes shape, and the parts that grow are the ones nobody budgets for.

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GuideSide HustlesNina Castellan23 Sept 20266 min

Photography Side Work Pays by the Edit, Not the Shoot

Real estate listings, fall family sessions, event nights: the startup bill, the hours nobody counts, and the point where you should walk away.

Quiz

Is your money actually in order?

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

GuideReal EstateRay Okonkwo23 Sept 20266 min

Price The Rehab Before You Bid, Not After You Close

The kitchen is the cheap part. Your real number lives in the roof, the panel and the drain line, and you've got about ten days to find it.

GuideRetirementRay Okonkwo23 Sept 20266 min

Move Your Old 401k Without Handing the IRS a Check

The difference between a clean rollover and a surprise tax bill usually comes down to one phrase you say on the phone.

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Rewrite my CV so it actually gets read

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GuideSide HustlesRay Okonkwo23 Sept 20266 min

Don't Lose Your Day Job Building Your Side Hustle

The clauses in your employment agreement that actually matter, how to run the hours, and the tax and insurance stuff nobody tells you until it's late.

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GuideReal EstateRay Okonkwo23 Sept 20266 min

How Your Property Tax Bill Is Built And How To Appeal It

The assessment notice isn't a bill, it's a deadline. Read the property card, find the errors, and bring sales the board can't argue with.

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Where does your best time with your kids happen?

GuideRetirementRay Okonkwo23 Sept 20266 min

Required minimum distributions don't have to wreck your tax year

The IRS eventually wants its cut of that 401(k). Learn how RMDs work, what the first year does to people, and the moves that soften the hit.

GuideSide HustlesDean Shaw23 Sept 20266 min

What Moving Help and Junk Hauling Really Pay on a Saturday

Your truck can make money on weekends, but the dump scale and your insurance agent get a vote before you do.

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GuideReal EstateRay Okonkwo23 Sept 20266 min

Moving to a No-Income-Tax State and the Bills That Follow You

The income tax line is the easy part. Domicile rules, insurance, reassessment and your old state's auditor are where the plan usually breaks.

Quiz

Does your wardrobe actually fit you?

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

Retirement6 min

What Part-Time Work Does to Your Social Security Check

Side Hustles6 min

When a Side Hustle Should Become a Business and When It Shouldn't

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GuideReal EstateRay Okonkwo23 Sept 20266 min

Twenty Percent Down Or Three, And What Each One Really Costs

Twenty percent isn't a rule handed down from on high. It's a price you pay for a lower payment, and sometimes it's a bad buy.

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Retirement5 min read

Which Retirement Account To Spend From First

Taxable, then traditional, then Roth is the standard answer. It's a fine starting point and it's wrong often enough that you should know why.

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Where does your best time with your kids happen?

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