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Terms starting with 0 to 9

Every Buhata Life Terms entry that starts with 0 to 9, with its short definition.

0 to 9

0% APRA promotional interest rate of zero percent for a set period, during which the promotional balance doesn't grow with interest.
10,000 stepsA popular daily step goal that began as the name of a 1960s Japanese pedometer; later studies find health benefits begin well below it.
1099 contractorAn independent contractor whose pay a business reports on Form 1099-NEC; they're self-employed, so no tax is withheld and they owe self-employment tax.
18-month sleep regressionParents' name for a stretch of worse sleep around 18 months, when separation anxiety peaks and many toddlers settle into one nap.
2-2-3 custody scheduleAn equal-time custody rotation in which a child spends 2 days with one parent, 2 with the other, then 3 with the first, flipping the next week.
4-7-8 breathingA breathing pattern from Dr. Andrew Weil: breathe in through the nose for 4 counts, hold for 7, then breathe out through the mouth for 8.
4-month sleep regressionParents' name for a stretch of worse sleep around 4 months, when a baby's sleep cycles and body clock are maturing.
401(k)A retirement plan run through an employer that lets you put part of each paycheck into investments, before tax or as Roth, up to a yearly IRS limit.
5-4-3-2-1 groundingA grounding exercise that brings your attention back to the present by naming 5 things you see, 4 you can touch, 3 you hear, 2 you smell and 1 you taste.
50/30/20 ruleA budgeting guideline that splits after-tax income into 50% for needs, 30% for wants and 20% for savings and paying down debt.
504 planA school's plan of supports for a student whose disability substantially limits a major life activity, under Section 504 of the Rehabilitation Act of 1973.
52-week savings challengeA year-long saving plan where you put away $1 in week one, $2 in week two and so on up to $52, for a total of $1,378.
529 planA state-sponsored, tax-advantaged account for education costs, where growth is free of federal income tax when spent on qualified expenses.
8-month sleep regressionParents' name for a stretch of worse sleep around 8 to 10 months, when separation anxiety, new motor skills and nap changes often arrive.