The Ledger · 5 min
The subsidy cliff: what $2,854 changed for one self-employed reader
In 2026 the health-insurance credit stops at 400% of the poverty line. One worked example, with invented numbers, shows what a single contribution can do.
Read →Business and health, for people who run their own.
Business
Pricing, selling and the first year on your own.
The Ledger · 4 min
Before you quote: the three numbers that set your price
Most first-year pricing mistakes come from skipping one of three numbers.
Read →Field notes · 4 min
When a client says “that’s too expensive”
The price is rarely the whole objection. Three questions come before any discount.
Read →The Ledger · 4 min
Quarterly taxes without the panic
Estimated payments are a habit, not a cliff. A simple rule keeps most people out of trouble.
Read →Video · 10 min
Ten minutes: reading your first marketplace health quote
A plain walk through the numbers on a quote, with the transcript you can question.
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