MoneyGuides
The pages we keep current: what you owe, what platforms pay, where cash earns, and the rules that change it. Each one says when it was last updated.
Freelancer taxes
Money
MoneyACA open enrollment 2027: dates, income limits, what you'll pay
Open enrollment runs November 1 to January 15; the December 15 end was struck down. Above $63,840 one person gets no 2027 subsidy. What you'll pay.
MoneySolo 401(k) vs SEP IRA 2026: limits, deadlines, which saves more
At $60,000 of net profit, a solo 401(k) takes $35,652 for 2026 and a SEP IRA $11,152. The limits, the deadlines and when the SEP still wins.
MoneyWhat freelancers owe the IRS in 2026: thresholds, dates, penalties
A 1099-NEC now arrives at $2,000. Self-employment tax still starts at $400. The four payment dates, the 7% penalty, every figure with its source.What platforms pay
AI moneyCan you sell AI-written books on Amazon? KDP's 2026 rules and pay
Yes, if you tell Amazon what AI generated. KDP pays 70% on ebooks from $2.99 to $12.99 since July 7, 2026. What a sale nets, and what courses leave out.
MoneyWhat YouTube pays creators in 2026: shares, thresholds, payouts
YouTube publishes shares, never rates. The 55% and 45% splits, the $100 payout floor, and the 10M Shorts gate that lands on February 1, 2027.
MoneyHow much do Upwork and Fiverr actually take in 2026?
Upwork posts a 0% to 15% freelancer fee and collects 19.6%. Fiverr pays sellers 80% and collects 28%. Where the gap goes, with sources and dates.
MoneyAre Upwork and Fiverr dying? What the 2026 filings show
Fiverr's buyer count fell 21.9% in a year. Upwork cut its own 2026 revenue forecast by $102 million. Both filings point at the same shrinking end.
MoneyWhat X pays creators in 2026: rules, thresholds, payouts
X replaced Revenue Sharing with Original Content Rewards on August 8, 2026. The thresholds, the $30 minimum, and the rate X does not publish.
MoneyAI freelance pay in 2026: what Upwork and Fiverr actually report
Upwork and Fiverr both shrank in buyers and grew in spend per buyer in Q2 2026. Read the side-by-side numbers, and what neither company discloses.Cash and rates
MarketsT-bills or a savings account in 2026: what cash earns after tax
A 26-week Treasury bill yields 4.35%, Ally's savings 3.1% and the average savings account 0.37%. What each keeps after state tax, and when to pick which.
MarketsWhat mortgage-backed securities yield in 2026: rates, spreads, buyers
Agency MBS yielded 5.86% on 8 October 2026 while the 30-year mortgage hit 7.40%. The layers between the two, the spread, and who still buys the bonds.Crypto rules and yields
CryptoDoes the wash sale rule apply to crypto in 2026?
Not yet. A bill the House tax committee passed 38-5 would apply it to crypto sold after September 14, 2026. What that does to a December loss.
Money