Panel Charles Max Wood (twitter github Teach Me To Code Rails Summer Camp) Eric Davis (twitter github blog) Evan Light (twitter github blog) Jeff Schoolcraft (twitter github blog) Discussion All you need is a client Business entity Startups for the Rest of Us Business Insurance iamindependent.com LegalZoom Get a Contract Health Insurance Dave Ramsey ELP's Aflac Group policies for companies SERP 401k Find a CPA and talk to them INGDirect Pay Down Debt Get some savings Disability Insurance The Freelancer's Guide to Money Bob Walsh The Total Money Makeover Financial Peace The Richest Man in Babylon Marketing Start a Blog Pay it Forward Don't oversell your abilities Take a reduced rate if you're not experienced Subcontract to someone who is more experienced Chad Fowler Explain that they'll have to pay for you to learn to do the work Contribute to Open Source Experiment with the code StackOverflow rubypair.com Picks Pick an Open Source project, find a feature request, and build it and give it to the project. (Eric) If you don't know about business or marketing, take a day a month learning. (Eric) cells (Evan) proxylocal (Evan) ToDo by Appigo (Evan) Simply Noise + Sound Blocking headphones by Boze (Evan) The Power of Habit (Jeff) If you're not a Ruby person who is a designer, donate some time to an Open Source project. (Jeff) Startup Marketing (Jeff) Remote pairing (Jeff) 48 days podcast (Chuck) Changelog podcast (Chuck) Mixergy (Chuck) Wait! Wait! Don't Tell Me (Chuck)