& business more approachable
& business more approachable
Guides, blogs, newsletter, comics, and more
You didn't sign up to be a bookkeeper, financial planner, or business operator - but you need some of that knowledge to succeed and build a sustainable career. This blog exists to help you along your creative journey and if you have a question about money or business, you can submit it here.
Original content written by Treyton DeVore (founder of Piertree and Investopedia Top 100 Financial Advisor)
📈 InvestingTop post: The Solo 401(k): The Most Flexible Retirement Account for CreatorsHow to Put Your Investments on Autopilot5 Places to Open a Roth IRA (and Why)Best Retirement Accounts for FreelancersHow To Get Started Investing with Just $1005 Places to Invest Your Money as a CreativeWhy Investing Shouldn't Be Considered Gambling (with Examples)What To Do with 401(k) From Old Employer5 Mistakes to Avoid as a New Investor
🍞 Get Your BreadTop post: 34 Ways to Make Money as a Creator (with examples)How Much I Made My First Year as a Freelance Writer & Web Designer (Full Breakdown)How I Structure My Days as a Full-Time Creative & Financial PlannerHow to Accept Payments & Make Money OnlineHow to Fund a Creative BusinessHow to Create Serendipity and Increase Your Luck Surface Area5 Lessons About Making Money Online From a $10k/Year Creator
💸 Manage Your BreadTop post: 7 Ways to Practice Financial Self CareMy 11 Money Rules as a Creative EntrepreneurWhat To Do with a Big Lump Sum Payment (From Brand Deals, Creative Work, Commissioned Pieces)How to Quit Your Job & Manage Money as a CreatorHow to Manage Money (and Your Creative Business) During a Recession11 Essential Financial Tools for Creators & FreelancersWhy Creators Need to Focus on Cash FlowWhy Interest Rates (and Credit Scores) MatterFees to Watch Out for In The Finance IndustryHow Much Does a Financial Planner Cost?10 Principles of Good Financial Design
✍🏼 FreelancingTop post: 9 Ways to Get More Referrals & Inbound Leads10 Must-Read Pieces of Financial Advice for FreelancersHow to Land Your First Freelance Writing Clients Without Doing Sales5 Financial Mistakes Freelancers Make (And How to Avoid Them)Why Freelancers Should Be on Twitter (And How I Would Approach It)8 Ways to Create Financial Stability as a FreelancerWhat I Wish I Knew About Money Before Becoming a Freelancer3 Reasons Freelancers Should Apply for an EIN (Employer Identification Number)
💰 TaxesTop post: How Tax Write-Offs *Actually* WorkYouTube Taxes & Write-Offs: ExplainedHow to Know if You Should Make Quarterly Tax Payments17 Important Tax Deductions for FreelancersHow to Save Money on Taxes with an HSACan I write off "business" expenses without having an LLC?Is the internet a "tax-free" zone?
⚙️ BusinessTop post: How to Build a Sustainable Creator BusinessHow I Structure My Days as a Full-Time Creative & Financial PlannerCan I have multiple DBA's under one LLC?The Planning Effect: How to Create Clarity & Increase Your Chances of SuccessHow to Know When It's Time to OutsourceShould My Solo Business Be Set Up as an LLC?
Shop the Starving Artist Collection
All profits from the "Starving Artist" design go towards funding the Creatorbread Creative Grant Program, a movement to remove the financial limitations & anxiety from pursuing a creative career. Learn more & apply here.View the Shop
🌴 Financial IndependenceTop post: How much money do I need to stop working?How to Set Up a Retirement Plan for Your Freelance BusinessWhat's Retirement? (Hint: It's Not What We've Been Told)
🩺 InsuranceTop post: Why I Got Life Insurance as a Single 27-Year-OldWhy Creators Should Consider Having Media Liability InsuranceIs Life Insurance Worth It If You're Single?Should I Have Life Insurance?
🎥 YouTubeTop post: Youtube Taxes & Write-Offs: ExplainedHow YouTubers Can Successfully Build a Newsletter AudienceHow Christian Guzman Built a Fitness, Fashion, & Retail Empire
📬 The Loaf
a weekly newsletter sharing money & business tips for self-employed creatives
How to pay off debt as a creative - #82
The most important part of managing debt: be aware of the situation and the numbers, then create a plan that works for your situation.
May 6, 2023
Freelance Finances 101: An Interview - #81
I recently did an interview with Harlow about the basics of freelance finances. While tailored to freelancers, most of the answers could apply to anyone with a solo business.
April 29, 2023
A simple *business* finance setup - #80
As a creative, you have better things to do than spend time managing money. Every minute you spend sending invoices or trying to keep track of your income, the less time you have for what you love.
April 22, 2023
A simple personal finance set up - #79
A lot of people like to make personal finance harder than it needs to be. I like to make things simple. So I wrote about the 5 essentials to successfully manage your personal finances, including:
April 15, 2023
The Ultimate Guide to Personal Finance for Creatives
The financial life of a creative is more complex than most. For those who have made creativity a career, you're responsible for two sets of finances - yours and your businesses. For those starting out, you may be in the "starving" phase of an artist's career. No matter what phase of the journey you're in, there are timeless lessons & frameworks that everyone can use to help build a solid financial foundation.
April 8, 2023
Breaking down 'buy now pay later' - #77
It can create unhealthy spending habits, but I think it's better than credit card debt. Most offer 0% financing compared to the 15-25%+ that a lot of credit cards carry. However, every time you use a 'buy now pay later' service, you're raising your minimum viable spending.
March 31, 2023