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Working Overtime: Money Advice for Freelancers
Jun 6, 2024
In this insightful discussion, AJ Ayers, a personal finance expert specializing in creative finance management, shares crucial money tips for freelancers. From tackling retirement accounts to understanding tax obligations, he emphasizes the importance of early planning. AJ also delves into the emotional barriers surrounding financial literacy and urges creatives to embrace budgeting. Plus, he discusses unique challenges freelancers face, like homeownership misconceptions and aligning financial goals with lifestyle changes. This dialogue is a must-listen for anyone looking to take charge of their finances!
36:57
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Quick takeaways
- AJ Ayers emphasizes the necessity for freelancers to save a significant portion of their income for taxes to avoid unexpected liabilities.
- Ayers challenges the conventional view of homeownership as a success metric for freelancers and highlights the importance of assessing financial priorities.
Deep dives
Transitioning to Financial Planning
AJ Ayers shares her journey from music journalism and editing to becoming a certified financial planner. Initially working in book publishing and then music journalism, she found herself needing guidance on money management after entering the tech industry. Realizing a gap in accessible financial advice aimed at creatives, she pursued education in finance and obtained multiple financial certifications, including CFP and enrolled agent designation. Ayers emphasizes the importance of understanding finances for freelancers and artists to succeed in their careers.
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