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The Self-Employed Money Manual. Personal Finance Strategies That Turn Irregular Income Into Lasting Wealth
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- FormatePub
- ISBN8905160981
- EAN9798905160981
- Date de parution08/06/2026
- Protection num.pas de protection
- Taille532 Ko
- Infos supplémentairesepub
- ÉditeurChiify
Résumé
Money management for the self-employed, how to pay yourself a salary from irregular income, quarterly estimated taxes, and self-employed retirement accounts - from a CPA of fourteen years who serves freelancers, consultants, and solo business owners.
A client named Renata sat across from Janelle Okonkwo crying about money the same year she billed her best year ever: $186, 000 in revenue, a magazine feature, a waiting list.
She had $1, 400 in checking and owed the IRS $31, 000. Okonkwo has watched that exact scene for fourteen years, because it is the median experience of someone in their second or third year of self-employment: the income arrives, the discipline doesn't, and by spring the IRS sends a letter. This is the practical, plainspoken money management for self-employed people that no one hands you when you go independent. The core insight: self-employment removes every financial guardrail of a W-2 job on the same day, with no warning, and almost nobody teaches you to rebuild them.
So this book rebuilds each one. You will learn how to pay yourself a real salary from irregular income, the tax savings habit that taxes every deposit in real time so quarterly estimated taxes never trigger panic, the five bank accounts every self-employed person needs, and how to choose between a SEP-IRA and a Solo 401(k). Okonkwo is honest about what this is not: not a tax manual, not an investment book.
It is the system of habits and account structures that makes a calm financial life for self-employed people possible at all. Inside this self-employed money management book: Pay yourself a real salary from irregular income - The four-step calculation (net income minus taxes, retirement, and operating reserve) that sets a fixed paycheck your lumpy business can pay even in a bad month, with a worked example down to $2, 113.75 semi-monthly The tax savings habit that prevents year-end disaster - Move a fixed percentage (28% default) of every deposit to a tax account the day it clears, so quarterly estimated taxes are funded before you ever feel the money is yours The five bank accounts every self-employed person needs - The exact account structure and two automatic monthly transfers that do the work a payroll department used to do for free Separate business and personal money - Why this is the single most important move you will ever make, and how to draw a clean line starting next month without untangling three years of commingled history Self-employed retirement accounts decoded - SEP-IRA, Solo 401(k), and Roth compared in plain language, plus how to fund them out of an income that never arrives the same twice The harder moves most guides skip - Buying a home when lenders distrust the self-employed, health insurance with no employer, surviving an audit, multi-state tax traps, and planning for the year you take off or sell the business An action at the end of every chapter - Each labeled "Try this:" takes under an hour, because reading without action is what got most of Okonkwo's clients into trouble in the first place This is not a get-rich book and not a 30-day cure.
It is the financial system a CPA wishes she could hand every new client before the bad habits compound, before the missed quarterly payment, before the year of regret. Renata is fine now: she paid the IRS in installments, made her quarterlies on time, contributed $48, 000 to a Solo 401(k), and bought a house. Her business did not change. Her system did. That is what this book builds for the self-employed. For readers of Mike Michalowicz's Profit First and Ramit Sethi's I Will Teach You to Be Rich.
She had $1, 400 in checking and owed the IRS $31, 000. Okonkwo has watched that exact scene for fourteen years, because it is the median experience of someone in their second or third year of self-employment: the income arrives, the discipline doesn't, and by spring the IRS sends a letter. This is the practical, plainspoken money management for self-employed people that no one hands you when you go independent. The core insight: self-employment removes every financial guardrail of a W-2 job on the same day, with no warning, and almost nobody teaches you to rebuild them.
So this book rebuilds each one. You will learn how to pay yourself a real salary from irregular income, the tax savings habit that taxes every deposit in real time so quarterly estimated taxes never trigger panic, the five bank accounts every self-employed person needs, and how to choose between a SEP-IRA and a Solo 401(k). Okonkwo is honest about what this is not: not a tax manual, not an investment book.
It is the system of habits and account structures that makes a calm financial life for self-employed people possible at all. Inside this self-employed money management book: Pay yourself a real salary from irregular income - The four-step calculation (net income minus taxes, retirement, and operating reserve) that sets a fixed paycheck your lumpy business can pay even in a bad month, with a worked example down to $2, 113.75 semi-monthly The tax savings habit that prevents year-end disaster - Move a fixed percentage (28% default) of every deposit to a tax account the day it clears, so quarterly estimated taxes are funded before you ever feel the money is yours The five bank accounts every self-employed person needs - The exact account structure and two automatic monthly transfers that do the work a payroll department used to do for free Separate business and personal money - Why this is the single most important move you will ever make, and how to draw a clean line starting next month without untangling three years of commingled history Self-employed retirement accounts decoded - SEP-IRA, Solo 401(k), and Roth compared in plain language, plus how to fund them out of an income that never arrives the same twice The harder moves most guides skip - Buying a home when lenders distrust the self-employed, health insurance with no employer, surviving an audit, multi-state tax traps, and planning for the year you take off or sell the business An action at the end of every chapter - Each labeled "Try this:" takes under an hour, because reading without action is what got most of Okonkwo's clients into trouble in the first place This is not a get-rich book and not a 30-day cure.
It is the financial system a CPA wishes she could hand every new client before the bad habits compound, before the missed quarterly payment, before the year of regret. Renata is fine now: she paid the IRS in installments, made her quarterlies on time, contributed $48, 000 to a Solo 401(k), and bought a house. Her business did not change. Her system did. That is what this book builds for the self-employed. For readers of Mike Michalowicz's Profit First and Ramit Sethi's I Will Teach You to Be Rich.
