Solopreneur Money OS

What's inside

• ✦17-page Freelance Finance Playbook — 7 sections from mindset to quarterly tax payments
• ✦Google Sheets Finance Command Center — 6 tabs, live formulas, pre-loaded sample data
• ✦SE Tax Estimator — correct formula (net x 92.35% x 15.3%), quarterly payment schedule
• ✦Rate Floor Calculator — hourly floor, day rate, retainer scenarios in 3 billable-hour ranges
• ✦Buffer Account System — turn feast/famine months into a predictable invisible salary
• ✦Quick Reference Card + Tax Prep Folder Checklist — print and use immediately