About ceocult

ceocult is a free personal finance resource built specifically for the 59+ million Americans who work for themselves — freelancers, independent contractors, gig workers, sole proprietors, and anyone earning income without a W-2.

Most personal finance advice is written for salaried employees. It assumes you have an employer handling your taxes, offering a 401(k) match, and providing health insurance. If you're self-employed, that advice doesn't apply — and following it can cost you thousands.

We write guides that start from the reality of self-employment: you owe quarterly taxes, you fund your own retirement, you buy your own health insurance, and every business expense you miss is money you overpaid the IRS.

What we cover

Our guides focus on six areas:

• Taxes — quarterly payments, deductions, Schedule C, self-employment tax
• Retirement — Solo 401(k), SEP IRA, and other options for people without employer plans
• Health insurance — ACA marketplace, HSAs, and options beyond employer coverage
• Banking & tools — accounts, software, and systems built for freelancers
• Gig platforms — platform-specific tax and deduction guides for Uber, Instacart, Amazon Flex, and more
• Financial planning — budgeting, emergency funds, and long-term strategy without a steady paycheck

Editorial standards

Every article on ceocult is researched against primary sources — IRS publications, Treasury regulations, CMS data, and state agency resources. We cite specific numbers (tax brackets, contribution limits, due dates) and update articles when those numbers change.

We don't publish "10 tips" listicles padded with filler. Each guide is designed to be the single resource you need on its topic — detailed enough to act on, written plainly enough to understand without a finance degree.

ceocult is not a licensed tax advisor, financial planner, or attorney. Our content is educational — not personalized advice. For your specific situation, consult a qualified professional.

How we make money

ceocult is free to read. We generate revenue through two channels:

• Display advertising — we use Ezoic to serve ads on our pages. These ads help keep the site free.
• Affiliate links — when we recommend specific products (bank accounts, tax software, retirement account providers), some links are affiliate links. If you sign up through one, we may earn a commission at no additional cost to you. Affiliate relationships never influence our recommendations — we recommend the same products we'd suggest to a friend, and we disclose affiliate relationships clearly.

For full details, see our disclosure page.