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5 Summer Money Moves for Self-Employed Realtors
5 Summer Money Moves for Self-Employed Realtors
How to turn your busy season into real financial progress
If you’re a self-employed realtor, chances are your business heats up just as summer does. Listings are moving, open houses are packed, and commission checks are finally landing after a slower season.
That’s great news—but also a common trap.
Increased income often leads to increased spending, unplanned tax bills, and missed opportunities to build real financial security.
Here are five quick and practical financial moves you can make right now to keep your summer momentum working for you—not against you.
1. Reassess Your Cash Flow Plan
When commissions are rolling in, it’s easy to lose track of where it’s all going.
Ask yourself:
- Am I setting aside enough for taxes?
- Do I have a separate account for business savings?
- Am I paying myself consistently?
Even if your income is inconsistent, your financial strategy doesn’t have to be. Use this season to tighten your system, not just your schedule.
2. Separate Lifestyle Upgrades from Business Growth
Busy seasons often bring in bigger checks—and the temptation to upgrade everything.
Before you commit to that new car, ask:
- Does this purchase truly move my business forward?
- Have I hit my savings goals for the year yet?
- Will I regret this expense if fall slows down?
A clear spending plan lets you enjoy your success without overextending it.
3. Capture Legit Business Expenses (Cleanly)
Yes, summer often means travel. And yes, there are ways to legally deduct business-related expenses. The key? Clarity and documentation.
Common deductible expenses for realtors:
- Mileage to showings, networking events, or investment properties
- Client meals or marketing costs
- Travel to real estate conferences or out-of-town listings (if primary purpose is business)
If you’re mixing business and personal travel, be extra careful. Only claim what’s clearly and directly related to your business—and keep a detailed log.
4. Check In on Your Goals
Summer is a great midpoint to evaluate your financial goals—without needing a spreadsheet marathon.
Here’s a 5-minute check-in:
- What’s your year-to-date income?
- Have you contributed to your IRA, Solo 401(k), or business savings?
- Are you on track for your personal goals—like buying a home, funding a vacation, or taking a slow season off?
If the answer is “I’m not sure,” that’s a great place to start.
5. Use This Season to Build a Buffer
Realtors and self-employed professionals know: momentum can shift quickly.
Use your current wins to prepare for future uncertainties. That means:
- Automating savings now while income is high
- Paying down high-interest debt
- Building a cushion to give yourself flexibility later
The goal isn’t to work more, it’s to work smarter. When you use your busy season to get ahead, your slower season becomes a strategic advantage—not a setback.
Final Thoughts
You already know how unpredictable self-employed income can be. But your finances don’t have to feel that way.
The summer surge is your chance to make meaningful progress—not just more money.
If you’re unsure what to do next with the income you’re earning now, we’d love to help you build a plan that gives you clarity, confidence, and control—season after season.