Whether you’re an It girl in training or lazy girl fo’ life, we can all probably agree that slipping into a pair of comfy pajamas after a long day at work (or an epic GNO) is tops. Thinking about your post-office duds, pieces like oversized hoodies, college tees, flannel separates and live-in sweats likely come to mind. But, girl, it’s 2017, and while staying cozy is definitely high on your list of priorities, staying in line with your fine-tuned sensibilities isn’t something that should be overlooked (especially if you’re a fan of Sunday morning Insta pics). If elevating your wardrobe basics featured on your list of style resolutions to conquer this year, listen up! Below, we’re sharing some seriously swoon-inducing sleepwear that is equal parts cozy and chic. Scroll on for 14 must-have pieces to give your just-chillin’ routine the upgrade it deserves.
1. ASOS Premium Mixed Floral & Tile Print Satin Jumpsuit ($49): Pinch us; we must be dreaming. A jumpsuit with this much panache must surely be reserved for daytime shenanigans — WRONG. This botanical number is all about kickin’ back and relaxing. After a long day at the office, slip this bad boy on and proceed to treat yo’self to a serious Netflix and chill sesh.
2. Madewell Embroidered Good Night Shirt ($68): A good night’s sleep starts with cute pajamas (it’s science, people!), which makes this retro night shirt straight-up essential. Whether you rock it solo or team it with cozy flannel bottoms, they’ll usher you into dreamland in style.
3. Forever21 Get Me Coffee Nightdress ($13): After-hours is when your lazy girl style truly comes into its own. Let your duds do all the talking by slipping on this cheeky tee at bedtime — when morning rolls around, bae will take the hint.
4. Victoria’s Secret Dreamer Flannel Romper ($40): If this is what cozy looks like, we’re so in. Making a strong argument for staying in your pajamas all day, this playful pink romper will inspire you to do less. Breakfast in bed, anyone?
5. Chelsea28 Floral Print Satin Kimono ($59): Upgrading your sleepwear isn’t just a matter of swapping out sweats for a satin two-piece set. Gear up for a lazy Saturday morning spent sipping matcha lattes and nibbling on croissants in a fabulous floral kimono with major fancy lady vibes. Because every day should be a little bit glamorous, right?
6. DKNY Plaid Jersey-Trimmed Cotton-Blend Nightshirt ($60): Calling to mind piping hot cups of hot cocoa and intimate fireside chats, this plaid number was made for cozying up on a cool winter night. After a leisurely soak in the tub, toss it on with a chunky knit cardigan and shearling-lined slippers. Swoon.
7. Aerie Ruffles + Mesh Boxer ($35): As queen of the naps, you need a pair of chic sleep shorts that live up to your haute standards. Featuring a pale pastel hue and flirtatious ruffles, these pretty boxers are anything but boring. Layer on the love with a pair of knitted leg warmers and an oversized sweater.
8. River Island Sheer Floral Print Nightie ($46): While slips have officially become a street style essential, their origins lie in the bedroom. And this botanical beauty is bringing things back full circle. Sultry lace and semi-sheer fabric lend this stunner a healthy dose of sass, and ensure your style stays on lock even while you sleep.
9. LOVE Stories Reese PJ Pants ($95): To say we were obsessed with these geometric bottoms would be an understatement. When spring rolls around, best believe we’ll be adding them to our daytime lineup, styling ’em alongside silk camis, sculptural mules and statement earrings.
10. Victoria’s Secret Satin & Lace Cami & Short Set ($52): A saucy sleep set has long been on our list of must-haves, but up until now, we haven’t found one that’s given us that ah-ha moment. Be it the mix-and-match potential or the dramatic wine hue, we can’t say, but this irresistible duo has got us swooning hard. Best believe we’ll be making that lacy top pull some double duty (think: tucked into high-waisted jeans and styled alongside a boyfriend blazer, layered necklaces and block-heeled ankle boots for an upcoming GNO).
11. Hanro “Deluxe Boyfriend” Jersey Sleep Shirt ($185): Introducing the sleep shirt that is about to redefine the idea of roll-out-of-bed-and-go. On days when you’ve overslept, this wear-anywhere number is a savior — tuck it into a pair of classic jeans, then team with a statement bib necklace and block heeled Mary Janes for a flawless look that comes together in a snap.
12. Brunette the Label “Babes Who Brunch” Crewneck Sweatshirt ($79): Let’s not forget about all those sleep-related extracurriculars — AKA brunch — they deserve some chic new duds too. Whether you’re sippin’ on bottomless Bloody Mary’s or whipping up a batch of pancakes with your besties, this sassy sweatshirt has you covered on the style front. Take style cues from your favorite Insta style star and rock it with statement earrings, vintage Levi’s and embroidered ankle boots to snag all the style points.
13. Victoria Secret’s Body by Victoria Supersoft Low-Back Slip ($42): YAS. Pretty in peach is how you’ll be playing it when you add this super soft slip to your arsenal. Warning: This scene-stealer is so comfy, you might not be able to drag yourself out of bed.
14. Free People Printed Short Sleep Set ($128): Trust us when we say you’ll be looking forward to spending the night in with this celestial set on hand. Ditch the bar and invite your crew over for a girls’ night in — complete with foreign films, French wine and street style-approved PJs. We’re in!
Welcome to Selfmade Finance School, our new money series with Block Advisors to help small business owners with their tax, bookkeeping, and payroll needs year-round. This week, we explore the tax implications of bringing family members into your business.
The question for today is this: Does hiring your family members make sense for your business? Let me be clear. This is not a piece about whether hiring your family members makes sense for your relationships with those family members. As someone who is part of a family business, I could fill up a lot more than 600 words on my opinions about that. For today's purposes, we focus on whether it makes sense from an overall "good business and tax implication" perspective. As it turns out, there is a decent amount of tax nuance when it comes to employing your family. Let's break it down based on relationship to the employee:
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Spouses Who Are In Business Together
Personally, if I had to be in business with my husband, it would not go well. However, many couples build viable, strong businesses together and I say, good for them! Depending on how you have your business entity structured, it will make a big difference on the tax treatment of you and your spouse working as partners. Because a business jointly owned and operated by a married couple is generally treated as a partnership for Federal tax purposes, the spouses must comply with filing and record keeping requirements imposed on partnerships and their partners. The election to file two Schedule C (Form 1040) forms, (one for each spouse) permits certain married co-owners to avoid filing partnership returns, provided that each spouse separately reports a share of all the businesses' items of income, gain, loss, deduction, and credit. Under the election, both spouses will be subject to self-employment tax and on net earnings from self-employment and receive credit for Social Security earnings.
One Spouse Employs Another
If you have a dynamic where your spouse is an employee of your business, then your spouse's wages are subject to income tax withholding, Social Security and Medicare taxes. If you are self-employed (not a corporation or a partnership), your spouse's pay does not have to be included in your federal unemployment tax account (FUTA) contributions and payments. However, if your business is a corporation or a partnership you must include that spouse's pay in your unemployment tax contribution calculation.
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You Employ Your Child
First, let's be clear. I work in my family business, but I am an adult, so I am treated just like a normal employee. However, if you, for example, run a family restaurant and want to hire your children under 18 to work for you, there are some tax benefits. But first, you should check with your state for rules on how many hours minors can work (in non-agricultural jobs) and reference the Fair Labor Standards Act for information on limitations on the kinds of work children can perform.
"This is an often overlooked or under-utilized strategy. Paying your children for true services they provide in your business can be a powerful tax-saving tool," says Cathi Reed, Block Advisors Regional Director. "If you are a sole-proprietorship or single member LLC, and the child is less than 18 years of age, the business is not required to withhold FICA or payroll taxes. The child can use his or her standard deduction against income you pay."
You Hire Your Parent
Oh dear. If you are brave enough to do this, know that you will need to pay Social Security and Medicare taxes on your parent's wages and make the appropriate withholdings, but you don't have to pay unemployment taxes. Now all you have to do is convince your parent that you are the boss. Have fun with that!
Is Hiring Family Members Worth It For The Tax Benefits?
"There are some positive tax advantages to hiring family members. It's important to treat a family member like any other employee. Hiring your children can result in substantial savings for businesses. Make sure your child has real, age-appropriate work to do and a reasonable pay rate, comparable to other employees. Consult with a Block Advisors small business certified tax pro to ensure that you are complying with all requirements," advises Reed. "Block Advisors, a team within H&R Block, is dedicated to meeting the tax, bookkeeping and payroll needs of small business owners year-round. To start working with the tax experts at Block Advisors, visit blockadvisors.com."
In my opinion, you should not hire a family member solely because of the tax benefits. You should always hire based on whether that person is right for the job and keep in mind how this hire could materially impact your relationship with that person and others in your family. Finally, as I mentioned, make sure you have a tax professional on your team when making these determinations. As you can see, things can get a little tricky!
*All details were sourced from IRS.gov and blockadvisors.com
The opinions expressed in this commentary are those of the author and may not necessarily reflect those held by Kestra Investment Services, LLC or Kestra Advisory Services, LLC. This is for general information only and is not intended to provide specific investment advice or recommendations for any individual. It is suggested that you consult your financial professional, attorney, or tax advisor with regards to your individual situation. Comments concerning the past performance are not intended to be forward looking and should not be viewed as an indication of future results. Securities offered through Kestra Investment Services, LLC (Kestra IS), member FINRA/SIPC. Investment advisory services offered through Kestra Advisory Services, LLC (Kestra AS), an affiliate of Kestra IS. O'Keeffe Financial Partners and any other entity listed herein is not affiliated with Kestra IS or Kestra AS Investor Disclosures: https://bit.ly/KF-Disclosures