06/09/2026
DAY 23 — How to actually calculate your rate
You're not "bad with money." You've just never done this simple math.
Start with what you need to live. Add software, gear, taxes and savings. Divide by realistic billable hours — closer to 20 a week, not 40. The number that comes out is higher than you've been charging. That's the point.
Swipe → for the formula.
Comment "MATH" and I'll walk you through the full breakdown.