Gig income swings month to month. Base expenses on a conservative minimum month, not your best month.
The Holding Account
Deposit all income to one account, pay yourself a fixed salary to checking, leave taxes and savings in buckets.
Taxes and Retirement
Set aside 25–40% of net profit for taxes until your CPA confirms. Open a Solo 401(k) or IRA early.
Insurance
Source health coverage via marketplace or spouse plan. Consider disability insurance if you rely on your ability to work.
Conclusion
A 3–6 month emergency fund is non-negotiable when income is volatile.