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Freelance
How to Set a Freelance Hourly Rate in 2026
Your hourly rate has to cover the income you want, annual business costs, taxes, and the hours clients will actually pay for. Start with a floor rate, then charge more for specialized outcomes, urgency, and risk.
Read the guide →Freelance
How Much Should a Freelancer Set Aside for Taxes?
A useful freelance tax reserve combines your federal estimate, state estimate, and self-employment tax. A flat 25% rule can be too low or unnecessarily high because profit, state rules, and other income all change the answer.
Read the guide →Savings
401(k) Contribution Limits for 2026 and How to Capture Your Match
For 2026, the employee elective-deferral limit is $24,500. Catch-up capacity is $8,000 at age 50+, or $11,250 for ages 60–63. Before chasing a perfect percentage, contribute enough to capture the full employer match when your plan offers one.
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