Confused about taxes? MU30 has you covered. Find basic definitions, the latest deadlines, tax code changes, and other vital tax season info – all in one place. Keep this guide handy when it’s time to file.

Doing taxes can be a long, complicated process. But just because it can be doesn’t mean it has to be.

Armed with the right knowledge (and maybe a little help from some tax software), anyone can do their taxes. This guide is designed to help you get through tax season in one piece.

Let’s get started!

What are taxes?

How To File Income Taxes: A Guide For Filing Your 2019 Taxes - What are taxes?

Taxes are fees imposed on people and businesses to fund the operations of a government entity. They can be imposed at the federal, state, and local levels, and take the form of taxes on income, real estate, consumption (sales tax), or various business activities.

Taxes imposed by the federal government generally represent the largest tax most people pay. And because the tax code is set up to favor certain practices – and discourage others – taxes can even have an impact on how you live, spend, and even invest your money.

Most states and even a few municipalities also impose an income tax. But since most are patterned off of the federal income tax code, and have a much smaller impact, I’m going to focus on federal income tax in this guide.

How to file your tax return

When you file your income tax, one of the most critical decisions you’re going to make is whether you’ll self-prepare, or hire a professional to prepare your return for you. Let’s take a look at the pluses and minuses of both methods.

Self-preparation

This is easier to do than ever because there are so many excellent tax preparation software programs you can use to get the job done.

Probably the five best tax software programs available are TurboTaxH&R Block OnlineE-FileTaxAct, and Liberty Tax.

The advantage of these programs is that they work on a simple question-and-answer basis. The program presents the relevant questions, and you enter the information into a box. Once all the information has been input into the program, the software will then handle all the calculations, as well as the preparation of all necessary statements and schedules.

What’s more, the programs also work to maximize your deductions and minimize your tax liability. They also perform a variety of checks, to make sure the return is accurate.

Hiring a tax professional

As good as tax preparation software has become, hiring a professional tax preparer may make sense if you have a particularly complicated tax situation, don’t feel comfortable doing your own taxes, or simply lack the time.

But just be aware there while you can get a good tax software program for anywhere from about $40 to well under $200, you’ll pay anywhere from several hundred to several thousand dollars by engaging the services of a professional tax preparer.

Read more: Should I Hire A Tax Preparer?

But if you do decide to use a paid preparer, there are three you should consider:

  • Enrolled Agent (EA). These are tax preparers who are required to pass a certification exam, as well as have qualifying experience doing taxes. They can also represent you before the IRS during an audit. They are generally the least expensive option among paid preparers.
  • Certified Public Accountants (CPAs). More expensive than EAs, CPAs are best used for complicated tax returns, particularly if you expect to need ongoing tax advice throughout the year. CPAs are licensed and experienced, and automatically certified to represent you before the IRS.
  • Tax Attorneys. Very few people use tax attorneys to prepare their returns. But if your return is particularly complicated, or if it has certain legal issues, tax attorneys are the best choice. Unfortunately, they’re also the most expensive.

Filing your tax return

If you owe money

You’ll have to send payment with your return. You can still e-file, but you’ll need to send your payment electronically, via IRS Direct Pay.

If you can’t afford to pay the full amount due, you can request more time to pay. The IRS will give you up to 120 additional days to pay the amount due. You’ll need to contact the IRS and have the arrangement approved prior to the filing date.

If the 120 extension to pay doesn’t work for you, you can also set up an installment agreement. The agreement will give you up to 72 months to pay your tax debt. But if the amount due is greater than $25,000, you will need to complete a financial disclosure.

If you expect a refund

If you e-file your return, your refund will generally be processed and paid to you within 21 days of the e-file acceptance date. If you file a paper return, it will take between six to eight weeks.

You can use the IRS Where’s My Refund tool to track the progress of your refund. But tax preparation software typically tracks your refund for you, so you’ll know when to expect your money.

2021/2022 tax deadlines

How To File Income Taxes: A Guide For Filing Your 2019 Taxes - 2019/2020 tax deadlines

The major dates for the 2021 tax season, along with other dates you need to be aware of to file your 2021 tax return, include:

  • January 18, 2022—Last federal income tax estimate due for the 2021 tax year.
  • April 18, 2022—First quarter federal income tax estimate due for the 2022 tax year. Last day to file 2021 taxes.
  • June 15, 2022—Second quarter federal income tax estimate due for the 2022 tax year.
  • September 15, 2022—Third quarter federal income tax estimate due for the 2022 tax year.
  • October 17, 2022—Extension deadline for filing 2021 Individual Income Tax returns.
  • January 15, 2023—Fourth quarter federal income tax estimate due for the 2022 tax year.

Retirement contributions

This information is buried in the list above, but it’s worth a more specific mention. There are different retirement plans, having different contribution deadlines. Those deadlines are as follows:

  • IRAs—Your contribution must be made by April 15, 2022.
  • Keogh and SEP IRAs—Contributions can be made as late as October 17, 2022, as long as you have filed for an extension on your taxes by April 15th.
  • Employer-sponsored 401(k) and 403(b) plans—Contributions were required to be made by December 31, 2021. Similarly, 2021 contributions will be required to be made by December 31, 2022.

How are tax rates determined?

Tax rates are periodically determined by Congress, based on the budgetary needs of the government. However, for at least the past 30 years, tax brackets have been indexed to the rate of inflation. This is to prevent people from being pushed into higher tax brackets by inflation.

Indexing increases the dollar amount of each tax bracket consistent with the inflation rate. But it does not change the tax rate itself for each tax bracket.

The tax brackets are as follows:

RATESINGLE MARRIED (JOINTLY)HEAD OF HOUSEHOLD
10%Up to $10,275Up to $20,550Up to $14,650
12%Over $10,275 up to $41,775Over $20,550 up to $83,550 Over $14,650 up to $55,900
22%Over $41,775 up to $89,075Over $83,550 up to $178,150Over $55,900 up to $89,050
24%Over $89,075 to $170,050Over $178,150 up to $340,100Over $89,050 up to $170,050
32%Over $170,050 up to $215,950Over $340,100 up to $431,900 Over $170,050 up to $215,950
35%Over $215,950 up to $539,900Over $431,900 up to $647,850Over $215,950 up to $539,900
37%Over $539,900Over $647,850 Over $539,900

Changes in tax provisions for 2021

How To File Income Taxes: A Guide For Filing Your 2019 Taxes - Changes in tax provisions for 2019

Charitable Contributions

Even if you don’t itemize your deductions on Schedule A, you can deduct up to $300 on Form 1040, Line 10b, if you file as single, head of household, a qualifying widower, or if you’re married filing separately. You can deduct up to $600 if you’re a married couple filing jointly

Read more: You’re Not Too Broke to Give to Charity (And 4 Other Reasons to Give)

The “Kiddie Tax”

Before 2018, if a child had more than $2,100 in unearned income, that income would be added to the parent’s taxable income, to be subject to their tax rates. But for 2018, and subsequent years, the arrangement has been simplified.

For the 2021 tax filing year, the unearned income limits are as follows:

  • The first $2,200 in unearned income by the minor is tax-free.
  • Above $2,200 is taxed at the child’s rate, not the parent’s rate.

The child must be either under 19 years old or under 24 years old and a full-time student.

Qualified business income deduction

Small businesses may be able to deduct up to 20% of their qualified business income, plus 20% of qualified real estate investment trust dividends, and qualified publicly traded partnership income.

The deduction phases out with incomes between $164,900 and $214,900 for singles, and between $329,800 and $429,800 for married filing jointly.

Read more: 10 Deductions You Didn’t Know You Could Take As A Business Owner

Child tax credit

For 2021, the credit is $3,600 for children age 5 and under, and $3,000 for children ages 6-17. This is also subject to being phased-out, beginning with a modified adjusted gross income of $75,000, or $150,000 if married filing jointly.

The credit is fully refundable for 2021, even if you owe no tax otherwise.

The credit drops below $2,000 per qualifying child when your income exceeds $400,000 if you’re married filing jointly, or $200,000 for all other filing statuses.

Mortgage interest deduction reduced

There’s no change for 2021 from 2020. For home mortgage indebtedness incurred after December 15th, 2017, the interest deduction will be limited to loans up to $750,000, or $350,000 for married filing separately.

Deduction for state income, real estate, and sales tax limited

Under the previous tax law, there was no limit on how much you could deduct for state and local income, sales, and real estate taxes. But since 2018, your deduction is limited to $10,000 if you are married filing jointly, or $5,000 if you’re single.

Mileage allowances decreased

The mileage allowances for 2020 are as follows:

  • Business mileage – $0.56 per mile.
  • Charitable mileage – $0.14 per mile.
  • Medical and moving mileage – $0.16 per mile.

Alimony

For divorce decrees issued after December 31, 2018, alimony will no longer be a tax consideration for either party. It will no longer be deductible by the payor, nor includible by the recipient.

Medical expense deduction

If you itemize your deductions, you can deduct unreimbursed medical expenses that exceed 10% of your adjusted gross income.

Who has to file taxes?

Basically, anyone who has taxable income from any source, earned or unearned is required to file a tax return. However, there are certain thresholds, based on income and specific circumstances that may mean you’re not required to file.

For example, for 2021 you’re generally not required to file a tax return if your income falls below the following thresholds:

  • Single, under 65 – $12,550.
  • Single, 65 or older – $14,250.
  • Married filing jointly, both spouses under 65 – $25,100.
  • Married filing jointly, one spouse 65 or older – $26,450.
  • Married filing jointly, both spouses 65 or older – $27,800.
  • Married filing separately, any age – $5.
  • Head of household, under 65 – $18,800.
  • Head of household, 65 or older – $20,500.
  • Qualifying widow(er) with dependent child, under 65 – $25,100.
  • Qualifying widow(er) with dependent child, 65 or older – $26,450.

But even if your income is below those levels, you may still need or want to file a tax return if any of the following circumstances apply:

  • You had at least $400 in self-employment income. This will also extend to freelancers, people with side businesses, and anyone who engages in gig work.
  • You owe household employment taxes.
  • Social Security and Medicare taxes owed on unreported tip income.
  • You owe additional tax under the alternative minimum tax (AMT).
  • You received a distribution from a medical savings account (MSA) or a health savings account (HSA).
  • You received an advance payment on the Premium Tax Credit.
  • Expect to qualify for the earned income tax credit (EIC).
  • You’re claiming education credits and must file to be refunded under the American Opportunity Credit.
  • You’ve received a distribution from a tax-sheltered retirement plan and may owe additional tax.
  • You want to claim a refundable Health Coverage Tax Credit.
  • You adopt a child and want to claim the Adoption Tax Credit.
  • You had wages of $108.28 or more from a church or qualified church-controlled organization that is exempt from employer Social Security and Medicare tax.

Taxable income vs. non-taxable income

Most forms of income are taxable. But the more common ones include the following:

  • Wages and salaries.
  • Income from self-employment.
  • Tips and gratuities.
  • Unemployment benefits.
  • Moving expense reimbursements.
  • Canceled or forgiven debt.
  • Income from bartering arrangements.
  • Gambling winnings.
  • Pension, annuity, and retirement plan income.
  • Social Security benefits.
  • Interest and dividends.
  • Capital gains on the sale of investments or investment securities.

There are certain forms of income that are not taxable. These include the following:

  • Child support.
  • Insurance proceeds—in most cases.
  • Veteran’s benefits.
  • Aid to Families with Dependent Children (AFDC).
  • Meals and lodging for the convenience of your employer.

Who doesn’t need to file taxes?

Basically, you don’t need to file an income tax if you either have a total income below the thresholds listed above, or if any of the special circumstances that might require you to file a return even though your income is below those thresholds don’t apply to you.

Also, be aware that the following income sources are not considered taxable. You may not need to file a return if any of these represent your entire income:

  • Child support.
  • Insurance proceeds – in most cases.
  • Veteran’s benefits.
  • Aid to Families with Dependent Children (AFDC).

There is one group that gets at least a deferred filing date, and that’s those who reside in areas that have been declared federal disaster areas. If you qualify, you may be able to get an extension to file your 2021 return.

Read more: Were You Affected By A Hurricane This Year? If So, You May Qualify For Natural Disaster Tax Relief

What do you need to file taxes?

How To File Income Taxes: A Guide For Filing Your 2019 Taxes - What do you need to file taxes?

It may be that the single most complicated part of preparing your income tax return is gathering all the necessary documents. That’s not just your imagination either. A reasonably complicated tax return requires more documentation than a typical loan application.

To keep it simple, I’m going to break it down into four different documentation categories as follows:

  • Basic information.
  • Income documentation.
  • Expense documentation.
  • Additional documentation.

Let’s look at each category individually.

Basic information

  • Your 2020 income tax return. It provides certain information, especially any carry-forward numbers, like business losses or capital loss carry-forwards.
  • Social Security numbers for you, your spouse, and each of your children or other dependents.
  • Your ex-spouse’s Social Security number if you receive or pay child support.

Income documentation

  • W2s from any employment sources.
  • Income information for your dependent children (W2s, 1099s, etc.).
  • 1099-MISC for additional income for which income taxes were not withheld (like contract, gig, or freelance income).
  • 1099s reporting Social Security income, interest and dividends, pension, IRA or annuity income; state income tax refund or unemployment insurance; or reporting the sale of stock or other securities.
  • K-1’s reporting partnership or S-Corporation income.
  • W-2G reporting gambling winnings (warning: gambling expenses are no longer deductible).
  • Documentation of alimony received, including the Social Security number of the payee.
  • For the self-employed, a complete accounting of all your business income and expenses.
  • For investment property, documentation of rental income received.

Tax-deductible Expenses

  • 1098 reporting mortgage interest and property taxes paid, educational expenses, and student loan interest paid.
  • Statements from charities reporting contributions.
  • Various forms 5498 reporting IRA, HSA, or ESA payments made during the year.
  • Home office information (if you plan to take the deduction) – square footage of your office, and of your home.
  • Evidence of estimated tax payments made to your state (if you itemize).
  • Expenses for rental property.
  • Documentation for the purchase of depreciable assets for business or investment activity.
  • Charitable contributions made but not reported by the receiving organization.
  • Mileage driven for business, employment, medical or charitable activities, as well as records of payment for tolls, parking, and ad valorem taxes.
  • Evidence of payment of health insurance, out-of-pocket medical, dental and vision expenses, medical mileage, and long-term care insurance.
  • Childcare expenses paid, if not supplied by the provider (including the provider’s tax id number).
  • Cost of preparation of last year’s income tax returns (self-employed only).
  • Sales tax paid on major purchases (which may not apply due to the new limit on state and local taxes).

Additional documentation

  • Property taxes paid but not reported on Form 1098 by a lender.
  • Federal and state estimated tax payments made for the tax year.
  • Cost basis of investments sold (if the information is not provided by a broker).
  • Receipts from the purchase of energy-efficient equipment installed in your home.
  • Wages paid to a domestic care provider, including that provider’s tax ID number.
  • An itemized list of higher education expenses paid out-of-pocket, with documentation.

Special tax situations

There are two special tax situations that apply to high-income earners that have undergone significant changes for 2020.

The Alternative Minimum Tax (AMT)

The AMT is designed to prevent high-income taxpayers from avoiding taxes through tax breaks. That may be either preferential income sources or excessive deductions. It sets a higher tax rate and imposes it on your income with the preference items added back.

But the income thresholds the AMT applies to have been increased for 2020, and are as follows:

  • Married filing jointly and surviving spouse$113,400 (exemption phase-out begins at an income of $1,036,800).
  • Single$72,900 (exemption phase-out begins at an income of $518,400).
  • Married filing separately$56,700 (exemption phase-out begins at an income of $518,400).

Net Investment Income Tax (NIIT)

The Net Investment Income Tax, or NIIT is another result of the Affordable Care Act. It began in 2010 and extends the Medicare tax at a rate of 3.8% to investment income for those with certain high-income levels.

The 2021 income thresholds are unchanged from 2020.

  • Married filing jointly – $250,000.
  • Married filing separately – $125,000.
  • Single – $200,000.
  • Head of household – $200,000.
  • Qualifying widow(er) with dependent child – $250,000.

If your adjusted gross income exceeds these levels, the tax will be applied to net income from rents, royalties, interest and dividend income, capital gains, and annuities. It will also apply to any passive income from your trade or business.

What are adjustments, deductions, and tax credits?

There are three sources of income tax relief when you file your return. These include tax deductions, tax credits, and adjustments.

Read more: Understanding The Differences Among Tax Credits, Deductions, And Adjustments

Adjustments

These are frequently referred to as “above-the-line” deductions because you can take them without having to itemize your deductions. They also figure into the calculation of your adjusted gross income. Your AGI is your total income from all sources, less these adjustments.

The most common adjustments are deductions for IRA contributions, self-employed health insurance premiums, and one half the self-employment tax (and also alimony for 2018).

Deductions

These are deductions taken after calculating your AGI. For that reason, they are sometimes referred to as “below-the-line deductions”. The two primary deductions are the standard deduction and itemized deductions. Either can be used to reduce your taxable income, before calculating the amount of tax you owe.

Typical itemized deductions include mortgage interest, state and local taxes paid, charitable contributions, and medical expenses that exceed 10% of your adjusted gross income.

Credits

These represent direct reductions of your actual tax liability. For that reason, they can have an even greater tax benefit than tax deductions.

Perhaps the most prominent tax credit is the child tax credit, which is $3,600 per child (age five and under) or $3,000 per child (age six to 17) in 2021. Let’s say your total tax liability for the year is $10,000. If you have two children under five, you’ll qualify for two credits, for a total of $7,200. The credits will directly reduce your tax liability down to $2,800.

Other popular tax credits include:

  • The earned income credit (EIC) for low-income households.
  • The child and dependent care credit.
  • The saver’s credit, for retirement plan contributions by low-and moderate-income households.
  • The Education credit for expenses related to higher education.

Income tax modifications & provisions for COVID-19

Economic stimulus payments received in 2020 or 2021 are not taxable

This includes both the $1,200 payments for adults and $500 for children under 17 received under the CARES Act, and the $600 payments (for both adults and children under 17) received under the Consolidated Appropriation Act.

If you added a qualifying child or dependent to your family in 2021 and didn’t receive a stimulus payment for them, you can claim up to $1,400 as a tax credit for 2021.

Unemployment benefits received as a result of COVID-19 are taxable

Just as state unemployment benefits are normally taxable, so is the $600 per week federal unemployment benefit under the Pandemic Unemployment Assistance program.

Recovery Rebate Credit

If you didn’t receive the full amount of the third recovery rebate credit as an economic impact payment during 2021, you may be able to claim the recovery rebate credit on your 2021 form 1040. You’re eligible to claim this credit if you were a US citizen or US resident alien in 2021, have a valid Social Security number, and weren’t a dependent of another taxpayer.

Educator expenses for protective equipment

The cost of personal protective equipment and other supplies used for the prevention of the spread COVID-19 is an eligible expense for the educator expense deduction. For the 2021 tax year, it applies to expenses incurred during 2021.

Penalty waived for early withdrawal of retirement funds for specific COVID related purposes

The 10% early withdrawal penalty is waived on up to $100,000 withdrawn from retirement plans during 2020. You will still be required to pay taxes on the distribution, but this can be allocated over three years.

Special tax considerations for freelancers and gig workers

How To File Income Taxes: A Guide For Filing Your 2019 Taxes - Special tax considerations for freelancers and gig workers

These are two growing work styles in the 21st century, and they do provide certain tax breaks.

For tax purposes, freelancers and gig workers are generally considered to be self-employed. That means they’re entitled to the same expense deductions as the self-employed. That includes any expenses considered to be reasonable and necessary in connection with producing your income.

For starters, that means you can file a Schedule C, Profit and Loss from Business with your return. There you’ll report your freelance or gig income, as well as any expenses. Those expenses can include the use of your automobile, home office, purchase of inventory or supplies, and routine expenses, such as your cell phone and Internet service.

And since you’re self-employed, you can also set up a tax-deductible retirement plan for your business. This can include a Traditional IRA or a SEP IRA that can potentially give you a higher deduction.

Read more: Got Freelance Income? 7 Money-Saving Tax Tips

Estimated tax payments

Since you’re self-employed, you’ll have to pay quarterly tax estimates. These will include both federal income tax and self-employment tax.

The calculation of these tax estimates can be especially complicated. But that’s where a good tax preparation software program comes in handy. And that’s what I’ll be discussing in the next section.

The estimated tax due dates are as follows for 2021/2022:

  • January 18, 2022 – Last federal income tax estimate due for the 2021 tax year.
  • April 18, 2022 – First quarter federal income tax estimate due for the 2022 tax year.
  • June 15, 2022 – Second quarter federal income tax estimate due for the 2022 tax year.
  • September 15, 2022 – Third quarter federal income tax estimate due for the 2022 tax year.
  • January 15, 2023 – Fourth quarter federal income tax estimate due for the 2022 tax year.

Read more: Quarterly Estimated Tax Payments: Who Needs to Pay Them, When, and Why

Common tax terms

Before I drill down into federal income taxes, let’s first layout definitions of common tax-related terms. I’ll go in alphabetical order…

  • Adjusted Gross Income, or AGI – This is your total income from all sources, like contributions to retirement plans, alimony paid, or certain deductions for the self-employed.
  • Alternative Minimum Tax, or AMT – This is a special tax designed to prevent high-income taxpayers from using so many tax breaks that their actual tax liability is reduced to zero or very close to it.
  • Audit – When the IRS requests that you document that you have correctly reported your income and deductions. Most are done by mail and involve specific questions the IRS has.
  • Capital gains and losses – When you sell an asset for more or less than it’s worth, the gain or loss is referred to as a capital gain or loss. Generally speaking, a gain is taxable, and a loss is deductible.
  • Credits – Allowances by the IRS for specific dollar amounts that directly reduce your income tax liability.
  • Deductions – Certain expenses you incur can be deducted from your income for tax purposes. Examples include payment of mortgage interest and contributions to retirement plans.
  • Dependent – This is someone who relies on you to provide for their support. There is no longer a deduction for dependents, but having one or more can be important in certain tax calculations.
  • Exemptions – Prior to 2018, you could take a deduction for yourself, your spouse, and any dependents you had. The deductions represented a reduction in taxable income. They no longer apply for 2018 and beyond.
  • Estimated tax payments – The US tax code is based on a pay-as-you-go process. That is, you pay tax on income as you earn it. Income that is not subject to withholding, such as by an employer, requires payment of quarterly estimated tax payments.
  • Gross income – This is your taxable income from all sources, prior to adjustments and deductions. It typically includes wages, interest, capital gains, retirement income, and other sources.
  • Head of household – This the filing status for a person who is unmarried, but who pays more than half the cost of maintaining a home for themselves and a qualifying person, usually a dependent.
  • Itemized deductions – The IRS permits the deduction of certain expenses from your taxable income. Those include medical expenses, state and local taxes paid, mortgage interest, and charitable deductions. However, to take these deductions, they must collectively exceed your standard deduction.
  • Marginal tax rate – This is the highest rate at which your income is taxed, based on your highest tax bracket.
  • Standard deduction – This is a flat dollar amount you’re allowed to deduct from your taxable income, instead of itemizing your deductions. It benefits those who don’t have sufficient deductions to itemize.
  • Tax bracket – The IRS assigns tax rate percentages to income based on certain dollar amounts earned. For example, if you’re single, you’ll pay 10% on the first $9,950 of taxable income, then 12% under taxable income between $9,951 and $40,525.
  • Withholding – This is the amount of estimated tax withheld by your employer, based on the income you earn. It will represent a credit toward the taxes you owe when you file your return.

How long should you keep your tax return?

Most tax experts will recommend you keep your tax return for a minimum of seven years. If you’re in the habit of destroying or otherwise losing your return in less time, you may face the prospect of dealing with an IRS audit or other tax questions without a written record of what your return contains.

Tax software programs will usually allow you to access your returns for at least three years. In addition, most also provide you with the ability to amend your return, should new information appear after you file.

You should still keep a copy of your return, either online or with a paper copy. That will enable you to access it quickly, if you need it for business purposes, such as applying for a loan, or for federal education assistance.

Summary

Taxes aren’t fun, but they don’t need to be difficult. With tax software and a basic understanding of our tax system, filing your taxes doesn’t have to be difficult this year or any year for that matter.

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About the author

Total Articles: 155
Since 2009, Kevin Mercadante has been sharing his journey from a washed-up mortgage loan officer emerging from the Financial Meltdown as a contract/self-employed “slash worker” – accountant/blogger/freelance web content writer – on Out of Your Rut.com. He offers career strategies, from dealing with under-employment to transitioning into self-employment, and provides “Alt-retirement strategies” for the vast majority who won’t retire to the beach as millionaires. He also frequently discusses the big-picture trends that are putting the squeeze on the bottom 90%, offering work-arounds and expense cutting tips to help readers carve out more money to save in their budgets – a.k.a., breaking the “savings barrier” and transitioning from debtor to saver. He’s a regular contributor/staff writer for as many as a dozen financial blogs and websites, including Money Under 30, Investor Junkie and The Dough Roller.