Category: Founder Finance
QBI 199A Phase-Out Math for Founders: How to Keep Your 20% Deduction Above $200K
The 2026 QBI deduction phases out starting at $201,750 (single) or $403,500 (MFJ) — here's how pass-through founders use aggregation...
Severance Negotiation for Founders: Keep 6 Extra Months of Runway
Most employees sign the first severance offer. Bootstrapped founders-in-waiting who know what HR can actually flex on can negotiate 20–50%...
Barista FIRE Is Broken for Founders — Here’s the Healthcare Plan B
The 2026 ACA subsidy cliff adds $16K+ to Barista FIRE healthcare costs. For founders, a lean recurring-revenue business replaces the...
SBA 7(a) Financing Stack for Acquisitions in 2026: Rates, Down Payments & Real Costs
Most acquisition guides quote the SBA 7(a) headline rate and stop there. This post breaks down the full 2026 financing...
Bonus Depreciation 2026 Small Business Guide: How Founders Should Spend $50K Before December 31
The OBBBA restored 100% bonus depreciation and raised Section 179 to $2.56M for 2026 — here is how bootstrapped founders...
HSA as a Stealth Retirement Account: 2026 Triple-Tax Strategy for Founders
Most founders drain their HSA on current medical costs—missing its most powerful use as a triple-tax-advantaged retirement account. Here is...
S-Corp Reasonable Compensation in 2026: The IRS Is Watching More, Not Less
The IRS is using automated ratio-flagging to audit S-corp owner salaries in 2026. Learn how to set a defensible reasonable...
The SECURE 2.0 Roth Catch-Up Trap: Solo 401(k) Owners Earning $150K+ Have a New 2026 Rule
Starting 2026, SECURE 2.0 makes catch-up contributions Roth-mandatory for Solo 401(k) owners earning over $150K — and if your plan...
SaaS Exit Math in 2026: Why 4.5x ARR Is the New Realistic — and How to Engineer Your Way to 8x
Acquire.com's Jan 2026 data puts the median SaaS profit multiple at 3.9x — here's how to engineer the specific levers...
Counting Your Business Equity in Your FI Number (2026 Framework)
Most bootstrapped founders either ignore their business equity or count it at face value when calculating their FI number —...
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