Hard Pulls vs Soft Pulls: What Applying for Credit Really Costs

In today's episode, Ralph Estep Jr. and Juliet focus on what an LLC actually changes for a growing freelancer, along with a new marketplace repayment rule, holiday pay-later plans, and credit applications.

In This Episode

✓ Marketplace open enrollment and the end of the repayment cap on excess premium credits

✓ Nearly 2 in 5 holiday spenders plan to use buy now, pay later

✓ Employers think workers have enough saved, and workers say otherwise

✓ What a hard credit pull really costs, and how rate shopping works

✓ What an LLC changes for a freelancer, and when an S corporation makes sense

✓ Hosting Thanksgiving for 12 without leaning on a credit card

✓ Money move: sell something you don't use, up to $75

If you've ever wondered whether an LLC will cut your tax bill, this episode gives you a straight answer.

Resources

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