Year-End Tax Planning Small Business: Four Moves
Year-end tax planning for a one-person business: time 2026 cash, place equipment in service, fund retirement, and set the January 15 estimate.
Self-Employed Money
Money and tax for the self-employed: cash flow, getting paid, pricing, retirement and legal ways to keep more of what you earn. General information, not professional advice.
State Auto-IRA Programs for Solo Owners
State auto-IRA programs can start with a W-2 hire. See which states are open in 2026, when a solo owner certifies an exemption, and California’s penalty.
Self-Employed Retirement Quiz for Solo Owners
Self-employed retirement quiz for a one-person business: ten habits, a 0 to 20 score, and 2026 IRS limits for a solo 401(k), SEP, IRA, and SIMPLE IRA.
Late Payments From Clients: A Solo Owner’s Playbook
Late payments from clients strand cash a one-person business already earned. Screen, take a deposit, invoice the day you finish, and chase on a schedule.
Financial Statements for Small Business Owners: The Three Reports in Plain English
Learn to read a profit and loss statement, balance sheet and cash flow statement in plain English, with a tiny worked example for small-business owners.
Markup vs Margin: The Pricing Mistake Every One-Person Business Makes
Markup and margin sound alike but give different numbers. Learn the formulas, see worked examples, and stop under-pricing your work.
Cutting Prices Is Like Cutting Your Throat
A price cut needs far more extra sales than you think to keep the same gross profit. Worked margin examples and what to do instead of discounting.
Avoiding the Taxman? Legal Ways to Cut Your Tax Bill
Tax avoidance is legal; evasion is a crime. Learn the deductions and retirement plans US small businesses use to lower tax, with 2026 IRS figures.
Will an HSA Solve Your Health Insurance Problem?
HSAs can cut taxes and premiums for self-employed owners and small employers, but they don’t fix everything. 2026 limits, new rules and the catches.