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pay yourself first stop budgeting

Stop Budgeting and Start Paying Yourself First

Money isn’t a spreadsheet problem. It’s a value problem. I’ve coached top…

<img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" class="avatar avatar-44 photo" alt="Garrett Gunderson" decoding="async" loading="lazy" />

By Garrett Gunderson January 1, 2026

stop handing money over to myths

Stop Handing Money Over to Myths

Money stories are seductive, but they’re the fastest way to lose control.…

<img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" class="avatar avatar-44 photo" alt="Garrett Gunderson" decoding="async" loading="lazy" />

By Garrett Gunderson December 27, 2025

why school punishes business rewards

Why School Punishes What Business Rewards

At a small college that still invites me back to speak, I…

<img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" class="avatar avatar-44 photo" alt="Garrett Gunderson" decoding="async" loading="lazy" />

By Garrett Gunderson December 25, 2025

why whole life beats idle cash reserves whole life insurance versus

Why Whole Life Beats Idle Cash Reserves

Most entrepreneurs stash cash, then chase yield. That’s a mistake. Once six…

<img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" class="avatar avatar-44 photo" alt="Garrett Gunderson" decoding="async" loading="lazy" />

By Garrett Gunderson December 24, 2025

wealth built on grudges breeds arrogance

Wealth Built on Grudges Breeds Arrogance

I’ve coached high earners for years, and I became a millionaire young.…

<img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" class="avatar avatar-44 photo" alt="Garrett Gunderson" decoding="async" loading="lazy" />

By Garrett Gunderson December 23, 2025

stop worshiping debt free cars fix cashflow

Stop Worshiping Debt-Free Cars, Fix Cashflow

People brag about owning a car free and clear while paying 20%…

<img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" class="avatar avatar-44 photo" alt="Garrett Gunderson" decoding="async" loading="lazy" />

By Garrett Gunderson December 20, 2025

fifty year mortgage math analysis

50-Year Mortgages Aren’t Evil, Math Is

The uproar over 50-year mortgages misses the point. The problem isn’t the…

<img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" class="avatar avatar-44 photo" alt="Garrett Gunderson" decoding="async" loading="lazy" />

By Garrett Gunderson December 19, 2025

when goals trump people success hollow

When Goals Trump People, Success Is Hollow

Business worships goals. Hit the number. Crush the quarter. Scale at any…

<img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" class="avatar avatar-44 photo" alt="Garrett Gunderson" decoding="async" loading="lazy" />

By Garrett Gunderson December 19, 2025

corporate tax payment misunderstanding explained

We Misunderstand How Corporations Pay Taxes

People love to rage about corporate taxes. The story goes like this:…

<img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==" class="avatar avatar-44 photo ewww_webp" alt="Garrett Gunderson" decoding="async" loading="lazy" data-src-img="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" data-src-webp="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg.webp" data-eio="j" /><noscript><img loading="lazy" width="44" height="44" src="https://www.selfemployed.com/wp-content/uploads/2025/06/garrett_gunderson-48x48.jpeg" class="avatar avatar-44 photo" alt="Garrett Gunderson" decoding="async" loading="lazy" />

By Garrett Gunderson December 17, 2025