Long-Term Freelancer Financial Planning: Retirement, Health Coverage, and Sustainable Business

Long-term freelancer success extends beyond annual tax filing into retirement planning, health coverage decisions, and building a sustainable business. The freelancers who thrive over decades share patterns of intentional financial planning and willingness to invest in professional advice when complexity warrants. This course is about that broader view. You will work through written reflections and planning exercises that examine your freelance situation and the routines that would serve you across years. What you'll learn: - Plan retirement contributions including SEP-IRA, Solo 401(k), and other self-employed options - Address health insurance including marketplace options and health savings accounts - Plan for major business changes including incorporating, hiring, and selling work product - Build financial reserves including operating cash, tax savings, and emergency funds - Coordinate with broader financial planning including investments and personal goals - Reflect on the longer-term role of freelancing in life and financial wellbeing The course begins with retirement contributions, moves through health insurance, business changes, financial reserves, broader planning coordination, and finishes with long-horizon reflection. A capstone written exercise asks you to draft a multi-year freelancer financial plan. This course is designed for freelancers thinking about long-term sustainability. It is approachable for committed beginners. The course is informational and complements, but does not replace, advice from qualified tax preparers, financial advisors, and insurance professionals for specific decisions.