Blog

Plain-English articles on Solo 401(k) plans.

Education for self-employed and 1099 professionals - plan rules, structure, real-estate considerations and administration. Educational only; not legal, tax or investment advice.

Debt Management

Snowball vs. Avalanche: Two Proven Paths to Paying Off Debt

When it comes to paying off debt, two powerful strategies dominate the conversation: the Snowball Method and the Avalanche Method. This blog takes an in-depth look at both approaches, helping readers understand not only how each method works - but which one might work best for their mindset and money habits. Whether you're motivated by quick wins or determined to save the most on interest, you'll learn how to choose the right path, build momentum, and stay consistent until you're debt-free. Packed with examples, tools, and hybrid strategies, this guide is your blueprint for taking control of your financial future - one payment at a time.

By Garrett Clark

Debt Management

How Military Families Can Create a Bulletproof Budget

Military families live a unique lifestyle, filled with both privileges and challenges. From the frequent relocations and deployments to variable income sources and reintegration into civilian life, managing finances in the armed forces requires an approach that is both proactive and flexible. Traditional budgeting techniques often fall short in a military context, which is why creating a bulletproof budget - one that withstands instability, adapts to life changes, and supports long-term goals - is essential. In this guide, we’ll explore step-by-step how military families can take control of their financial future with a system that’s resilient, sustainable, and customized for the demands of service life.

By Garrett Clark

Debt Management

Good Debt vs. Bad Debt: Know the Difference

When it comes to money, one word tends to make people uneasy: debt. For many, debt carries a negative connotation, often tied to financial stress, high-interest credit cards, or overwhelming student loans. But in the world of personal finance, not all debt is created equal. In fact, some debt can be used strategically to grow wealth, expand opportunities, and improve your financial future - if you understand how to use it.

By Garrett Clark

Debt Management

Can You Save for Retirement While Paying Off Debt?

Wondering if you should pay off debt before saving for retirement? Learn how to balance debt repayment with long-term investing, when it makes sense to prioritize one over the other, and how a Solo 401(k) can help eligible self-employed individuals and business owners build wealth while responsibly managing debt.

By Garrett Clark

Debt Management

Building Credit from the Ground Up: How to Create Financial Power That Lasts

Your credit score is more than just a number - it’s a tool, a gateway, and sometimes even a silent judge of your financial habits. Whether you're applying for a loan, renting an apartment, or even landing a job, your credit history can play a major role in your future. But the good news? Credit isn’t something you’re born with - it’s something you build. And with the right strategy, anyone can go from credit-invisible to credit-worthy. In this blog, we’ll break down what credit is, why it matters, and how to build it the right way, step-by-step.

By Garrett Clark

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