Articles by Justin Gluska

Running your own business does not mean missing out on the tax benefits often available to employees at larger companies. A Solo 401k can potentially help freelancers, consultants, and single-member LLC owners defer ordinary income taxes and save meaningful dollars for retirement in a tax-advantaged way.  For 2025, the IRS has increased employee contribution limits and [...]

Saving for retirement can feel overwhelming, especially with shifting rules on how much you can contribute and when. But in 2025, knowing the right numbers and deadlines could help you save more and avoid costly mistakes.  Whether you’re eyeing an IRA, Roth IRA, or a Solo 401k, there are crisp contribution limits, deadlines, and catch-up rules [...]

Spending habits often mirror the time you grew up in and the stage of life you’re in now. According to the latest Consumer Expenditure Survey from the Bureau of Labor Statistics, households led by Americans aged 35 to 54 spent about $93,000 in 2023. Those under age 35 averaged under $63,000, while people age 65 [...]

Credit card balances in the U.S. have climbed to levels that are putting more pressure on households than ever. Interest charges grow quickly, and repayment patterns look very different across generations. Some age groups carry far heavier balances, shaped by income, spending habits, credit access, and major life events. Here’s a closer look at how debt [...]

Many people wonder: “Is my financial life on track?” The answer often changes with age. In your 20s, student loans may feel overwhelming. By your 40s, the focus usually shifts to building wealth through career earnings and investing. Near retirement, the priority often becomes protecting and preserving what you’ve accumulated. In 2025, shifting markets, housing values, and [...]

Self-employment can take many forms. Some people run small online shops. Others offer professional services or work as independent contractors. Together, they make up a significant portion of the U.S. workforce. As of May 2025, around 16.8 million Americans were self-employed. That’s about 10.3 percent of the total workforce. This figure includes roughly 6.7 million incorporated [...]

A non-recourse loan lets you finance a property without putting personal assets at risk beyond the collateral. This type of financing can appeal to real estate investors who want to protect personal wealth or developers looking for project funding.  In this guide, we’ll explain what non-recourse loans are, highlight their benefits and risks, and cover qualification [...]

Market ups and downs, inflation concerns, and global uncertainty often push retirement savers to look beyond traditional stocks and bonds. Gold is frequently viewed as a tangible store of value and a potential safeguard. For many, the question becomes simple: Can you invest in gold through a 401k? The short answer is yes, but not always in [...]

Deciding who will inherit your 401k is more than just paperwork. It’s about making sure the savings you worked for actually help the people you intend. When the beneficiary isn’t a spouse, the rules can feel less straightforward, and mistakes may leave loved ones with stress instead of security. This guide walks through what it means [...]