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    <title>Working Figures guides</title>
    <link>https://workingfigures.com/guides</link>
    <description>Money math and working guides for freelancers and the self-employed.</description>
    <language>en</language>
    <item>
      <title>1099 vs W-2: the real take-home math</title>
      <link>https://workingfigures.com/guides/1099-vs-w2-the-real-math</link>
      <guid>https://workingfigures.com/guides/1099-vs-w2-the-real-math</guid>
      <description>Why dividing a salary by 2,080 hours is a trap, what employer benefits are actually worth, and the honest conversion in both directions.</description>
      <pubDate>Thu, 20 Aug 2026 00:00:00 GMT</pubDate>
    </item>
    <item>
      <title>Freelance taxes: what to set aside from every invoice</title>
      <link>https://workingfigures.com/guides/freelance-taxes-what-to-set-aside</link>
      <guid>https://workingfigures.com/guides/freelance-taxes-what-to-set-aside</guid>
      <description>The real math behind the 30% rule, how quarterly payments work, and the safe-harbor trick that makes penalties impossible.</description>
      <pubDate>Thu, 20 Aug 2026 00:00:00 GMT</pubDate>
    </item>
    <item>
      <title>How many billable hours are in a year? Fewer than you think</title>
      <link>https://workingfigures.com/guides/how-many-billable-hours-in-a-year</link>
      <guid>https://workingfigures.com/guides/how-many-billable-hours-in-a-year</guid>
      <description>The honest arithmetic from 2,080 theoretical hours down to the 1,100 to 1,300 a real freelancer sells, and why every rate depends on it.</description>
      <pubDate>Thu, 20 Aug 2026 00:00:00 GMT</pubDate>
    </item>
    <item>
      <title>How to set your freelance rate (without guessing)</title>
      <link>https://workingfigures.com/guides/how-to-set-your-first-freelance-rate</link>
      <guid>https://workingfigures.com/guides/how-to-set-your-first-freelance-rate</guid>
      <description>A working method for pricing your work: cost floor, market ceiling, and the number you actually quote. With the math shown.</description>
      <pubDate>Thu, 20 Aug 2026 00:00:00 GMT</pubDate>
    </item>
    <item>
      <title>Solo 401(k) vs SEP-IRA: which shelters more</title>
      <link>https://workingfigures.com/guides/solo-401k-vs-sep-ira-explained</link>
      <guid>https://workingfigures.com/guides/solo-401k-vs-sep-ira-explained</guid>
      <description>The 2025 contribution math for both plans, why the solo 401(k) usually wins below six figures, and the December deadline that catches everyone.</description>
      <pubDate>Thu, 20 Aug 2026 00:00:00 GMT</pubDate>
    </item>
    <item>
      <title>Invoice like a professional (and get paid faster)</title>
      <link>https://workingfigures.com/guides/invoice-like-a-professional</link>
      <guid>https://workingfigures.com/guides/invoice-like-a-professional</guid>
      <description>What belongs on a freelance invoice, the terms that change payment behavior, and the follow-up cadence that works without burning bridges.</description>
      <pubDate>Thu, 20 Aug 2026 00:00:00 GMT</pubDate>
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