👋🏽 Hello, Future You.

The LL Letter is a seasonal, weekly newsletter about everyday finance for values-driven independent workers and business owners building healthy, happy bottom lines. Solid money hygiene is fundamental to the best version of the future financial YOU.

We are pass-through businesses (Sole Props, LLCs, S-corps) getting ourselves financially square so taxes and retirement don't cause hives.

We live in a grey zone for financial advice. Traditional personal finance isn't quite right for non-W2 people, and business accounting is awkward.

Pass-through businesses are unique beasts in which personal and business money are 100% intertwined. We have to have both houses in good order for us to truly plan.

So here I am, on my soapbox, writing about the geeky, unsexy, necessary money things.

If you know someone who could benefit from this particular financial talk, do us both a solid and forward this sweetie on. Or maybe you are really feeling it and want to post somewhere like LinkedIn (tag me!) or in an IG story? ​Here's​ a link to help you out.

And if there is a particular money management habit you have that I must know about, you must click Reply and tell me stat.

In the meantime, below is a recap of the last ten LL money habits from the last ten weeks.

If this was forwarded to you, sign up ​here​.

🏋🏽 The Last Ten LL Money Do's. ​

1. ​Calculate how long your projected retirement savings will last. (#103)
2. ​Use your business credit card, not your debit card. (#104)
3. ​Get and use your Social Security online account. (#105)
4. ​Use your accountant for real-time estimated taxes. (#106)
5. ​Revisit your personal money stack to ensure it serves and empowers you to be your best money self. (#107)
6. ​Use a financial management system to track your business finances. (#108)
7. ​Review and update your beneficiaries on your bank accounts and life insurance policies annually. (#109)
8. ​Invest in joy. (#110)
9. ​Track your time. (#111)
10. ​Create an admin sheet.​ (#112)

You can peruse the whole archive ​here.​

⏰ Reminders.

• Monday, September 16, 2024: 4th 2024 payment estimated federal and state taxes are due.
• Monday, September 16, 2024: Extended returns due for partnerships (including LLCs) and S-corp returns.
• Tuesday, October 15, 2024: Extended personal returns (Form 1040) and C-corp returns are due + contributions to solo 401(k) plans or simplified employee pension (SEP) plans for 2023 by self-employed if you received a filing extension.
• Tuesday, November 5, 2024: Election Day. Vote.

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Thanks for reading / Read my disclaimer /. You are on this list because you subscribed. If the LL Letter is not your thing, unsubscribe below / Preview in browser / Surprise / Forwarded to you? Sign up here. / Archive / Issue #113, Week 31, 2024