How to build a financial plan when your income is unpredictable

A lot of mainstream financial advice operates under the assumption of predictable paycheques and enough financial cushion to comfortably optimize for retirement, investing, or home ownership. But when you’re self-employed, money management tends to look a little different.I’ve been a freelance writer for the better part of 10 years, and admittedly am still figuring out my own financial strategy. This past tax season, that reality hit me harder than ever. I was on the phone with