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Comment on Cheat Codes for Life I Know at 36 That I Wish I Knew at 26parent

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Yeah, I was interested in this one and hoping to find more substance on the tax mechanisms that make this possible:

Working for yourself means you can earn less income than a normal salary and still make more due to tax reasons.

When I clicked through to his "money" link, it was a category for his blog where he posts multiple posts per day on making money online. All with clickbaity headlines. Hard to take this seriously.

Edit: Ah yeah, he's selling money making courses and ebooks. This is complete spam.

The usual answer to that is you keep the money in the business entity while paying yourself a minimal salary. You spend it on business expenses (commonly stuff like travel or a vehicle or computer hardware, with some semi-plausible fig-leaf of business use), or take it as long-term capital gains later on.

The other answer that could fit the premise is a solo 401k, for the higher pre-tax contribution limit than a standard employer 401k.

I'd be surprised if there was really anything substantial besides those.

Yeah, that one caught my eye. If this is focused on U.S. readers, that advice is extremely suspect.

There are definite tax advantages to being self employed, but I think for most countries your total tax rate for most people would end up being around 25% to 35%.

For you to end up taking home more money whilst earning only half as much - you would need to some how end up paying a negative amount of tax as an entrepreneur.

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