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Retire Without a Paycheck

The Freelancers Playbook (Self-Employed Business Survival Guide)

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Retire Without a Paycheck

By: Sam Patterson
Narrated by: Anthony Proctor
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About this listen

Stop waiting for "someday" to save for retirement. This book shows freelancers and gig workers exactly how to build real wealth—even with irregular income.

You know you should be saving for retirement. But traditional advice assumes you have a steady paycheck, an employer match, and an HR department to hold your hand.

You don't have any of that. You have feast-or-famine income, quarterly tax bills, and the nagging fear that you'll be working forever.

Sam Patterson gets it. After an $8,400 IRS surprise revealed he didn't understand self-employment taxes, this IT trainer and consultant spent four years obsessively researching retirement planning for people like him—people juggling multiple income streams without a corporate safety net.

In this refreshingly honest guide, you'll discover:

• Why it's not too late (even if you're 42 with nothing saved)

• The simple 3-bucket system that handles income chaos

• Which of the three retirement accounts actually matter for freelancers

• How to contribute consistently when your income swings wildly

• Why your retirement contributions save you thousands in taxes right now

• The exact steps to open your account in 30 minutes

Based on interviews with 50+ freelancers who've made it work, this book strips away the jargon and shows you exactly what to do—including screenshots, real numbers, and step-by-step instructions.

No theory. No fluff. Just the system you need to transform retirement from a source of 3am anxiety into a boring monthly task that runs on autopilot.

Perfect for: Freelancers, consultants, gig workers, and anyone with side income who's tired of retirement advice that doesn't match their reality.

©2025 Sam Patterson (P)2025 Sam Patterson
Business Development & Entrepreneurship Marketing & Sales Personal Finance Sales & Selling Small Business
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Listener received this title free

There is no magic formula here, and I liked that. It didn't promise that I would get rich quick or beat the market. It just promised that if I followed the steps, I would have a secure retirement. It is boring, practical advice, which is exactly what I needed. I am tired of hype. I just wanted a plan that works. The focus on low-cost index funds and avoiding fees was very aligned with my values. I don't want to pay a manager to lose my money. This showed me how to do it myself.

Straightforward money advice

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Listener received this title free

This audiobook surprised me in the best way. It took a topic I usually avoid and made it feel simple, actionable, and honestly pretty motivating. I really appreciated how it spoke directly to the reality of unpredictable income; it felt like someone finally understood my world. The narrator’s delivery was smooth and reassuring, never rushed, and it kept me engaged the whole time. A couple of the mindset shifts really stuck with me and changed how I think about saving. I’d recommend this to anyone who wants clarity without jargon.

engaging and helpful

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Listener received this title free

I have a day job, but I make a significant amount of money on the side. I wasn't sure if I could use these freelancer accounts or if I was stuck with just my work 401k. This cleared that up perfectly. It explained how these accounts interact with workplace plans. I found out I can actually save a lot more than I thought by utilizing both. This was a huge discovery for me. It is going to help me reach my financial goals much faster. If you have mixed income, this is definitely worth a listen.

Ideal for side hustlers

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Listener received this title free

The best thing I can say is that I am done worrying. I have the accounts open, the automatic transfers set up, and I know how much I can spend each month. The mystery is gone. I know exactly what I need to do to retire comfortably, and I know I can achieve it even with my weird income. That peace of mind is worth the price of the book ten times over. I am just glad I found this now and didn't wait another five years. It is a huge weight off my shoulders.

Finally have a plan

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Listener received this title free

This is a great audiobook with steps needed for successful retirement . Practical guidance to plan to help organize make you more confident about money and finances. Learn to save a lot more and enhance with freelance accounts. Get organized for goals and how to take meaningful action when needed. If you struggle with money, then learn with a system of learning and doing. Use this book as a guide to financial empowerment and less stress.


Solidify Your Finances

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