The Knowledge Blog
Posts on finance, investing, business practices, and other oddball topics for freelancers. Grab your favorite beverage and get stuck in.
Latest Posts
Where to Put Your Emergency Fund: Best Options for Freelancers
How much emergency fund do freelancers and self-employed individuals need? Compare HYSA, Treasury ETFs like VBIL, and other options for self-employed workers. State tax savings tips included
The HSA - Health Savings Account. Another sweet tax deduction
The HSA (Health Savings Account. Make your out-of-pocket medical expenses a sweet tax deduction. The money is always yours; it’s not ‘use it or lose it.’
My name is Chris Albert. I’m a 52-year-old freelance Director of Photography and studio owner who built a seven-figure portfolio from zero—no inheritance, no financial background, just consistent saving and sensible investing over 30 years.
Financial institutions consider me a ‘high net-worth individual’. At Schwab, as a $1 million+ account holder, I qualify as a Schwab Private Client Services customer, and, under SEC rules, I am considered an Accredited Investor.
Why the website? I built this site because I couldn't find one place that explained what and how freelancers like us should set up retirement accounts (the Solo 401(k), Backdoor Roth IRA, and HSA) and what investments to put in them—without the sales pitch, fees, or the overly-complicated Wall Street products.
We are going to get rich slow. In later years, live more, work less.