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This self-employment retirement plan account comparison has been updated with information for the 2025 & 2026 tax years. My search for the best self-employment income retirement account started with this: while completing my tax return in prior years, I started noticing that I would have a not-insignificant tax bill due from self-employment, 1099, and side project income unless I found a way to reduce my taxable income. This was especially true for a number of years when I was receiving full-time employment income on top of side-project income. Our (Mrs. 20SF and I file jointly) income levels were above the The post The Best Self-Employed Retirement Accounts Comparison: SEP IRA vs Solo 401K vs SIMPLE IRA (for 2025 & 2026) appeared first on 20somethingfinance.com.
I keep redoing the calculations, over and over and over again. I calculate based on my entire net worth. Then, I calculate with guardrails and limiting parameters. I end up staring at my results for a very long time. The math – those cold, hard numbers – are, this time, uncharacteristically assuring to the extreme. No matter how I slice it, I can quit my job right now and go travel the world while living […]
Treasury Inflation-Protected Securities (TIPS) are often evaluated through the wrong lens. They are compared to stock returns during bull markets or dismissed as unattractive when inflation is quiet. At other times, the focus shifts to whether real yields are high enough today or whether it would be better to wait. All of that treats TIPS as a tactical investment decision. In reality, they are far more useful as retirement income-planning tools. Once retirement begins, the […]
Welcome back to another monthly update from Root of Good! We’ve been at home for about a month since wrapping up our Panama Canal cruise in November. We intentionally blocked off Thanksgiving and Christmas from our travel calendar so we could be at home during the holidays. We will be at home for roughly two full months, with no more travel planned until the end of January when we depart on our next cruise adventure. […]
Retirement is a harder transition than most people realize. Sure, you’ve made it across “The Starting Line,” and you have freedom unlike any other time in life. But it also comes with challenges: shifting identity, changes in relationships, and the question of what now? A concerning reality is that the risk of depression increases by 40% in retirement. Wouldn’t it be nice if there were proven ways to boost your happiness in retirement? Fortunately, there are. […]