Trying to make sense of your money as a creator? You’re not alone and don’t have to figure it all out alone. In this episode, we’re joined by Ralph Estep Jr., financial expert and host of the Ask Ralph podcast, to talk about everything from taxes to entity formation to long-term planning for content creators.

Ralph breaks down the biggest financial mistakes creators make (like ignoring self-employment tax or commingling accounts), and shares straightforward strategies for staying compliant, reducing your tax burden, and setting yourself up for long-term success. We also talk about what tools make the most sense, when to consider forming an LLC or S corp, and how to separate your business and personal finances, without the headache.

Whether you’re just starting your side hustle or already turning a profit, this episode gives you the clarity and confidence to take control of your money and treat your creator business like a real business.

• The difference between tax avoidance and tax evasion (and why one is totally legal)
• Understanding self-employment tax and how to prepare for it
• Why quarterly tax payments matter—and what happens if you skip them
• How to handle affiliate income, free products, and monetizing reviews
• Commonly missed deductions creators should track (think gear, software, events, and more)
• Why every creator should consider forming an LLC or S corp—sooner than you think
• The importance of building an emergency fund and saving for retirement
• What to look for in a tax professional who truly understands the creator economy

• Ralph Estep Jr.’s Website – AskRalph.com
• The Ask Ralph Podcast – Daily episodes at AskRalphPodcast.com

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