A friendly money management system for creatives, breadOS

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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) and other self-employed creatives

📈 Investing

Top post: The Solo 401(k): The Most Flexible Retirement Account for Creators How To Get Started Investing with Just $100 How to Put Your Investment Portfolio on Autopilot 5 Places to Open a Roth IRA (and Why)Best Retirement Accounts for Freelancers Why Investing Shouldn't Be Considered Gambling (with Examples)What To Do with 401(k) From Old Employer 5 Mistakes to Avoid as a New Investor

🍞 Get Your Bread

Top 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 to Accept Payments & Make Money Online How to Fund a Creative Business How to Create Serendipity and Increase Your Luck Surface Area 5 Lessons About Making Money Online From a $10k/Year Creator

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Everything you need to know about managing money as a freelancer

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🌴 Financial Independence

Top post: How much money do I need to stop working?How to Set Up a Retirement Plan for Your Freelance Business What's Retirement? (Hint: It's Not What We've Been Told)

💰 Taxes

Top post: How Tax Write-Offs *Actually* Work How to Know if You Should Make Quarterly Tax Payments 17 Important Tax Deductions for Freelancers How to Save Money on Taxes with an HSA Can I write off "business" expenses without having an LLC?Is the internet a "tax-free" zone?

💸 Manage Your Bread

Top post: 7 Ways to Practice Financial Self Care How to Manage Money (and Your Creative Business) During a Recession 11 Essential Financial Tools for Creators & Freelancers Why Creators Need to Focus on Cash Flow Why Interest Rates (and Credit Scores) Matter Fees to Watch Out for In The Finance Industry How Much Does a Financial Planner Cost?

✍🏼 Freelancing

Top post: How to be More Referrable as a Freelancer 5 Financial Mistakes Freelancers Make (And How to Avoid Them)How to Land Your First Freelance Writing Clients Without Doing Sales 8 Ways to Create Financial Stability as a Freelancer Why Freelancers Should Be on Twitter (And How I Would Approach It)What I Wish I Knew About Money Before Becoming a Freelancer 3 Reasons Freelancers Should Apply for an EIN (Employer Identification Number)

🩺 Insurance

Top post: Is life insurance worth it if you're single?Why Creators Should Consider Having Media Liability Insurance Should I have life insurance?

⚙️ Business

Top post: How to Build a Sustainable Creator Business The Planning Effect: How to Create Clarity & Increase Your Chances of Success How to Know When It's Time to Outsource Should My Solo Business Be Set Up as an LLC?

🎥 YouTube

Top post: How YouTubers Can Successfully Build a Newsletter Audience How Christian Guzman Built a Fitness, Fashion, & Retail Empire

💡 On Topic

Top post: How to Recognize (And Manage) Burnout as a Creator Top Takeaways from ConvertKit 2022 State of the Creator Economy Report 7 Creators with Strong Personal Brands How Creators Can Build Their Own Beverage Brand

📬 The Loaf

a weekly newsletter sharing money & business tips for self-employed creatives

Choosing a Credit Card for Your Creative Business - #59

Between travel points, cash back, and other rewards, picking a credit card can be paralyzing. In this article, Kaleigh Moore shares how she chose a credit card for her business and some of the tradeoffs that she considered.Personally, I use the American Express Blue Business Cash Card for my primary business as it offers 1-2% cash back and $0 annual fee.

November 26, 2022

Why the Solo 401(k) is King - #58

Solo 401(k)'s were created so that self-employed workers could access to some of the same retirement benefits that W-2 employees have. While it takes some work to set up, a Solo 401(k) can help you save money on taxes, set aside money for retirement, and invest in more than just stocks & bonds.

November 19, 2022

How to Make Investing Simple - #57

Investing can be complicated & confusing. As creatives, we have better ways to spend our time than checking stock prices & doing constant research. This article explains how to simplify the investing process and automate most of the work.

November 12, 2022

My First Year as a Freelancer: Income Breakdown - #56

I started freelancing last year and through my first 12 months of both writing & design, I made $54,666. This article breaks down how I became a freelancer, my first year income, and three things I would've done differently.

November 5, 2022

11 Financial Tools for Self-Employed Creatives - #55

I shared all of the tools that I use to run my freelance design & writing business and included some helpful calculators & resources. A few of my favorites include RocketMoney, Catch, Novo, and an estimated tax calculator.

October 29, 2022

A Free Money Management System - #54

If you've ever felt overwhelmed or anxious about getting organized & managing money, this was made for you. Each part of the template is custom-designed based on my experience as a financial planner and seeing what works with clients. There's no fluff or unnecessary tools, just actionable prompts & systems to help you manage your money in a less stressful way.

October 22, 2022