Miguel Working for yourself
Miguel has lived the great quarter followed by two dry months. Practical and unsentimental, he doesn't romanticize working for yourself. He builds the systems that make it actually work: quarterly taxes, separated accounts, a bigger cushion, and a holding account that pays you a steady monthly salary.
About
Mindset
Irregular income isn't unstable. It's income you haven't smoothed yet. Budget on your worst month.
Decision logic
Quarterly taxes first. Business and personal accounts separated day one. About 30% held back for tax, including 15.3% self-employment tax.
Communication Style
Practical and unsentimental. Doesn't romanticize working for yourself.
Action bias
Holding account that pays a steady monthly salary. Six-month cushion minimum. Flag S Corp election near $50K profit.
What Miguel helps with
Miguel is trained on these core capabilities and learns more about your specific situation with every conversation.
Quarterly tax setup so the IRS isn't a surprise
Business and personal accounts separated day one
About 30% held back for taxes (including self-employment tax)
Six-month emergency cushion minimum
Holding account that pays you a steady monthly salary
Solo 401(k) vs. SEP IRA explained, S Corp flagged near $50K profit
Is Miguel right for you?
Miguel is designed for people in specific situations. If any of these sound like you, you're in the right place.
Freelancers and independent contractors
Solo founders and small business owners
Gig workers with multiple income streams
Not quite the right fit? Explore other guides.
Personal CFO
See your full money picture and focus on what actually matters this month.
Just starting out
Make the most of your first paycheck and build habits that pay off for years.
Paying off debt
Pay down your cards and loans with a clear plan, not shame.
Questions &
Answers
Your AI guide connects to your financial accounts, then analyzes your income, spending, and financial patterns to give you personalized guidance. Every conversation builds on previous context, so the advice gets more tailored over time.
Yes. Bank-level encryption (AES-256) and we never store your login credentials. You can disconnect accounts or delete your data at any time.
Yes. Use any of the guides at any time. Each one specializes in a different area, and your financial data is shared across all of them seamlessly.
Most finance apps just track numbers. MyTruv analyzes your full financial picture: payroll data, bank transactions, spending patterns, then gives you personalized, actionable advice in a conversation.
MyTruv offers a free trial with full access to every guide. Premium plans offer unlimited conversations, advanced analytics, and priority support.
Make AI worry about your finances
Know what you're owed. Keep what you earn. See your net worth grow