A concrete investment strategy designed specifically for irregular income, self-employment taxes, and building real wealth from freelance earnings.
View Your Investment RoadmapTraditional investment advice doesn't account for irregular income, quarterly taxes, or the lack of employer-sponsored retirement plans.
Monthly income fluctuations make consistent investing challenging. You need a flexible system.
Self-employment taxes reduce investable income. Tax-advantaged accounts are essential.
No 401(k) match or company retirement plans. You must create your own safety net.
Before investing, establish financial stability to withstand income variability.
Save 6 months of business + personal expenses in a high-yield savings account.
Set aside 25-30% of each payment for quarterly taxes.
Maximize retirement accounts available to freelancers to reduce current tax burden.
Contribute up to 25% of net business income (up to $66,000 in 2023).
Contribute $6,500 annually ($7,500 if 50+) for tax-free growth.
After maximizing tax-advantaged accounts, build additional wealth in a taxable brokerage account.
Invest in your freelance business to increase future earning potential.
Allocate 5-10% of income annually to courses, certifications, and tools.
Invest in software and systems to increase efficiency and billable hours.
Low-cost index ETFs for long-term growth:
Bonds and stable dividend stocks for consistency:
Sector-specific investments for additional growth:
Foundation & Setup
(Business + personal expenses) × 6
Investment Accounts
Choose Vanguard, Fidelity, or Schwab
M1 Finance is excellent for percentage-based allocations
Start with the 70/20/10 portfolio with just $100