Who writes Haber Takibin
We are a small team focused entirely on freelance and self-employed money topics. Every guide is researched against primary sources — the IRS, the Social Security Administration, and other official resources — written in plain English, and reviewed for accuracy before it goes live. We are not licensed advisors; our job is to explain how the system actually works so you can make informed decisions and know when to bring in a professional.
How we research
Money guidance is only useful if it is correct. We build every guide on primary sources — the official rules, not someone else's summary of them. For tax topics that means the IRS; for retirement and benefits, the Social Security Administration and official plan rules; for consumer-finance questions, resources like the CFPB. When a figure changes from year to year, we frame it as approximate and point you to the source for the current number rather than letting a stale figure mislead you.
How we write
Our one rule is plain English. The tax code and retirement-account rules are confusing enough without jargon piled on top. We explain the underlying logic, use real worked examples with actual numbers, and tell you what to do with the information — not just what the rule is. If a sentence does not help a freelancer make a decision, it gets cut.
How we review for accuracy
Every guide is checked before it goes live: the facts against their source, the math in each example recomputed, and the framing read for anything that could be misread as a guarantee or as personalized advice. Our calculators use transparent, documented formulas so you can see exactly how a number is produced.
How we keep guides current
Tax thresholds, contribution limits, and deadlines shift over time. We revisit guides when rules change and, wherever possible, avoid hard-coding figures that go stale — preferring to explain the mechanism and link you to the official, always-current number.
Our independence
This site is supported by advertising, which keeps every tool and guide free with no sign-up. Advertising never decides what we write or the stance we take. We do not accept payment to recommend a product, and our guidance is the same whether or not a topic happens to be commercially valuable.
Where our limits are
We are an educational resource, not a licensed tax, legal, or financial advisor. Everything here is general information, and our tools produce estimates. The most useful thing we can do is help you understand the system well enough to make good decisions — and to recognize when your situation calls for a qualified professional. See our full disclaimer for the details, and contact us if you ever spot something that needs correcting. We take that seriously.