Shore Things

Later is doing a lot of heavy lifting in small business land. Later I’ll set up a real business bank account. Later I’ll get the LLC sorted. Later I’ll figure out what I’m actually supposed to be paying in taxes. Later, once things slow down a little, once I have more clients, once I have more time. Here’s the problem with later: the IRS doesn’t care about your timeline. And neither do the fees, the fines, the personal liability exposure, or the accountant who’s going to char

One of the quiet reasons people put off setting up their business: they’re convinced step one is hiring a lawyer, and that sounds expensive and serious and like a thing you do once you’re a “real” business. So let me take some pressure off. For most small businesses, the core setup doesn’t require a lawyer at all. Forming an LLC in South Carolina is filing Articles of Organization with the Secretary of State and paying the fee. Getting an EIN is a free ten-minute form on IRS.

Let me save you some time: if you want to work with me, you’re going to be in QuickBooks Online. That’s not negotiable, and I want to explain why — because “my bookkeeper requires it” is not a great reason to pay a monthly subscription fee, and you deserve an actual answer. First, what it is. QuickBooks Online is cloud-based accounting software. It connects to your bank accounts, tracks your income and expenses, generates reports, and keeps everything in one place. Your bookk

I talk to a lot of people who started their business in the wrong order. Not wrong like catastrophically wrong — wrong like they’re going to have to redo some things and it’s going to be annoying. Here’s the order I recommend: 1. Name your business and check availability. Before you fall in love with a name, make sure it’s available as an LLC in your state, check the USPTO trademark database, and grab the domain. In that order. 2. Form your LLC. File with your state’s Secreta

Nobody talks about this part, so I’m going to. When small business owners avoid their books — and most of them do, at some point — it’s rarely because they’re lazy or irresponsible. It’s because looking at the numbers feels like a verdict. And if you’re not sure the verdict is going to be good, it’s easier to just not look. I get it. I run my own business. I know what it feels like to be afraid of your own bank account. But here’s what I’ve learned from working with a lot of