Latest Articles
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Best Financial Planning Tips for the LGBTQ+ Community in 2025
There is a lot of social uncertainty in 2025 when you’re queer. It’s a fantastic idea to have a view on your current financial situation and plan ahead, especially if you’re planning on buying a home, moving out of the country (if you live in the USA), or simply trying to manage cash flow and savings. Personally, I’m trying to help my spouse pay their way through college, and then more distantly we are planning on expanding our family.
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The Ultimate Guide to Emergency Funds: How Much Do You Really Need?
In today’s unpredictable economic landscape, having a financial safety net isn’t just advisable, it’s essential. An emergency fund serves as your financial first line of defense against life’s unexpected challenges, from sudden job loss to medical emergencies or urgent home repairs. But how much should you actually save? This comprehensive guide will help you determine the right emergency fund size for your unique situation and show you how to build it efficiently.
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Estimated Quarterly Taxes in 2025: How to Keep the IRS Off Your Back Without Losing Your Mind
Self-employment is full of perks. You can make your own hours, choose your clients, work in pajama pants, or no pants. One thing you can’t skip is paying taxes and unlike folks with regular W-2 jobs, no one’s withholding them for you. You are HR and the Accountant. Maybe you hire an accountant to help you figure out filing, that is a very solid choice for most people.
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Sustainable Investing: Aligning Your Portfolio with Your Values
tldr; You’ll learn how to grow your wealth without watering down your values.
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Stock Distribution Calculator: Balance Your Portfolio
I created this calculator because I was often left scratching my head trying to figure out how much to allocate to each stock and maintain my meticulously balanced portfolio. Maybe It’s a bit overboard to be so fractional about it, but when I have the option to invest by dollars rather than whole shares, I like to neatly organize my investments.
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Investing for Beginners: A Step-by-Step Guide to Building Wealth in 2025
TODO:
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Tax Optimization Strategies: Legally Minimize Your Tax Burden in 2025
There is a rhythm to tax planning that pairs well with the seasons. When I first got serious about my own money, mainly when I became self employed. I was overwhelmed. I didn’t have someone paying taxes on my behalf, and I didn’t just report my w2 income and then get my tax refund because I had my employer over witholding. A tax refund isn’t some kind of bonus its simply the government returning your money to you.
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Debt Payoff Strategies: How to Become Debt-Free Faster in 2025
Maybe I’m a weirdo, but I hate being in debt. I avoid it like the plague. Still, I’ve had it: student loans, surprise credit card balances, the occasional paycheck gap that spiraled into a late fee spiral.
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Investing Basics: Where to Start When You're New to the Market
Investing can feel like learning a new language. The acronyms, the jargon, the risk it’s enough to make most of us put it off for “someday.” I get it. I didn’t start investing until my 30s. No one ever explained IRAs or compounding to me growing up, and I definitely didn’t have a mentor handing me a step-by-step playbook.
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2025 Estimated Tax Calculator: Don't Guess Your Quarterly Payments
I really want to help you take the guess work out of Estimated Quarterly Tax Payments. This calculator walks you through the IRS Form 1040-ES worksheet in plain English, helping you figure out exactly how much to pay each quarter to avoid penalties. Bonus: it will also help you avoid overpaying the IRS. Be sure to read my more indepth breakdown of estimated quarterly taxes for 2025
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Welcome to Nectar Flow Finance
Hello my name is Melon. Im excited to launch this simple, no-frills finance blog focused on helping everyday people build wealth through straightforward, practical advice.