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Are you sure health insurance is deductible? There was a time it wasn't. Either way that's peanuts compared to a benefit that covers most of your premium. Fully fund a solo 401k is also nothing special compared to a proper matching 401k. This is just a freelancing gig, and not "working at gumroad".



Health insurance premiums are deductible for self-employed people (and 2%+ S-corp shareholders): https://www.irs.gov/publications/p535#en_US_2019_publink1000...




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