Episode Details

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

Watch live:

https://www.becomingfinanciallyconfident.com/live

Christmas Bonus giveaway:

https://www.becomingfinanciallyconfident.com/giveaway

Year-End Personal Tax Review:

https://www.becomingfinanciallyconfident.com/yearend

Book a call:

https://www.ralphestepjr.com/schedule

HealthCare.gov open enrollment:

https://www.healthcare.gov/get-answers/

NerdWallet 2026 Holiday Spending Report:

https://www.nerdwallet.com/credit-cards/studies/holiday-spending-report

myFICO on rate shopping:

https://www.myfico.com/credit-education/blog/rate-shop

IRS self-employment tax:

https://www.irs.gov/businesses/small-businesses-self-employed/self-employment-tax-social-security-and-medicare-taxes

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Have a money question?

Send it here:

becomingfinanciallyconfident.com/voicemail

Companies Mentioned

NerdWallet

The Harris Poll

Transamerica

Highmark Blue Cross Blue Shield

Walmart