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Top States with the Most Self-Employed Workers in 2025

OVERVIEW: Top 5 states for self-employment in 2025: California, Texas, Florida, New York, Washington Solo sector size: $1.5 trillion, approximately 6 percent of U.S. GDP Incorporated self‐employment 7 percent above 2019, ≈400,000 more owner-operators Business-formation filings up 37 percent from Q4 2019 to Q4 2023 62 percent of solo workers report being “very satisfied” with their work setup Women run 42.7 [...]

Justin GluskaJuly 29, 2025
High-Yield Savings Accounts vs. Treasury Bills vs. Smart Portfolios: What’s the Best Cash Move Now?

Many people leave their cash in checking accounts without a second thought. Yet, with inflation near 3 percent, that money may lose purchasing power.  Today’s high-yield savings accounts offer annual percentage yields (APYs) close to 5 percent. This could potentially earn hundreds more each year compared to a typical checking account. Treasury bills (T-bills) may deliver [...]

Best Places to Park Your Cash Without Losing to Inflation

Inflation may not be making headlines like it did in 2022 when it peaked at 9.1 percent, but it hasn’t disappeared and it’s still eroding purchasing power quietly.  As of April 2025, inflation is hovering around 2.3 percent—a level that can still eat into your savings if your money is sitting in low-yield accounts. Every dollar [...]

How to Beat the 2025 National Savings Rate — Without the Risk

Saving money has always been important—but in 2025, it’s even more critical.  The national savings rate is currently around 0.42 percent, which likely isn’t enough to keep up with inflation. If your savings are stuck at earning average rates, your money could actually lose value over time. The good news? Beating the national savings rate doesn’t mean [...]

What to Do With Extra Cash Sitting in Your Bank

Having extra cash sitting in your bank account might feel reassuring, but it could be doing more.  Many people leave money untouched because they’re unsure of the next step or don’t want to take on extra risk. The good news is, there are simple ways to put that money to better use without losing access when [...]