As the year winds down, one of the best ways to save on taxes and strengthen your financial future is by maximizing retirement contributions before December 31st.

Freelancing is exciting — you set your own schedule, choose your clients, and work from anywhere. But with that freedom comes a new set of responsibilities, especially when it comes to taxes. Many freelancers wait until April to think about tax season, but staying organized all year long will save you stress and money.

Saving for retirement doesn’t just build your future—it can reduce your tax bill today. Whether you’re a W-2 employee, self-employed, or...