Have a question about personal finance or creative business?

Submit the form below:

Thank you!

Your submission has been received - keep an eye out for the answer soon :)

Email me at treyton@creatorbread.com if you have any questions.
Oops! Something went wrong while submitting the form. Please try again :/
All data & information shared is secure
Please include as much detail & context as possible. Expect a reply from treyton@piertree.com within 3 days of submission.
advice* archive
Can I have multiple DBA's under one LLC?
Yes, you can have multiple DBAs under one LLC. I did this when I was first getting started, but eventually separated my freelance & creative work from my financial planning LLC. So in your case, you may have Niche Site LLC and then multiple DBAs. However, you'd also want to consider:
What do rich people do different with their money?
They understand the role that it plays and the smart ones tend to view it as a tool, not the end goal - they invest consistently, they prioritize convenience, they leverage debt, and more.
How do I set up a retirement plan for my freelance business?
Overall, if you keep your investment selection simple and take a long-term approach, investing should be a simple activity that primarily operates in the background. You don't need to check your portfolio every day and you don't have to react to every breaking news story. You can automate your contributions, set your investment selections, and sit back while time and compound returns do their thing.
Do I have to file taxes if my business didnā€™t make money?
In general, if there's no activity for the business, you wouldn't have to file anything for it. If your business had losses or deductible expenses, you're technically not making money, but you'd still want to file to claim the deduction.
Should I pay all cash for a car, or take out a loan?
Having the cash savings to pay off a car in full can be tempting (and it can make sense for some people), but you want to be sure that you understand the tradeoffs and the opportunity cost.
How do I accept payments and make money online?
Essentially, whatever way you plan to make money online, there needs to be a payment processor behind-the-scenes routing payments to your bank account. Some banks (such as Novo) offer built-in invoicing & payment tools, but they generally don't have much customization or flexibility since payments aren't their main value-add.
What credit card do you recommend for the most cash back (personal & business)?
Cash-back cards can be a great tool, but they must be used carefully. Almost every card carries a high-interest rate so if you don't pay off the balance every month, you'll most likely end up paying more in interest than whatever cash back you earn. There are truly unlimited options out there but personally, I use two cards for my personal life and one for business:
How should I get started investing with $100?
But before you choose to place additional risk on your money by investing it, I highly recommend making sure you have appropriate savings. The exact number will vary based on your comfortability, but in my opinion, you should have at least one month of your living expenses saved before investing. But let's say you're ready to get invested and put your $100 to work - you first need to choose what type of investment account you're going to use. Here are a few different options based on what your goals are:
How much should I put down to buy a $300-400k house?
When thinking about how much home you can buy, you want to consider your "debt-to-income" levels. It's generally recommended to keep your debt under 35% of your total income. So for your situation, you may not want to be paying more than $2,700 towards a mortgage or other debts each month.
Is life insurance worth it if you're single?
What invoicing tool should I use for freelance work?
Do creators find value in link in bio tools?
How do I know if I have to make estimated quarterly tax payments?
How do I write better original content?
How do I get a business bank account?
If I have a job and freelance on the side, how is that taxed?
First things first: any income you earn from freelance work needs to be reported when you file your taxes. If you make more than $600 from a single client, they should give you a 1099 form. This will show how much they paid you so that you can file accordingly.
Are a CPA and bookkeeper the same thing?
Many bookkeepers are also CPAs or EAs, but there isn't a specific license to become a bookkeeper. This means you need to do some research and due diligence before choosing one. For me, I would look for an EA that has experience with my style of business & provides the services I'm looking for, get a feel for how they communicate, ask other business owners for recommendations, and go with whoever feels like the best fit after meeting with them.
Is the internet a "tax-free" zone?
As a general rule of thumb, if you receive any sort of income, it has to be reported when you file taxes. Failure to do so can result in penalties, fines, and sometimes even jail time.. If you don't give YouTube your tax info, they will typically withhold 24% of your earnings.
How do I know when it's time to outsource?
How to Fund a Creative Business
By taking the time to think about what you need the money for and how it's going to be used, you can narrow down your options and choose a strategy that makes sense for you and your situation.
Should my solo business be set up as an LLC?
Can I write off "business" expenses without having an LLC?
What should I do with my 401(k) now that I quit my job?
How much money do I need to stop working?
free financialĀ advice*Ā Ā Ā Ā ā€¢
free financialĀ advice*Ā Ā Ā Ā ā€¢
free financialĀ advice*Ā Ā Ā Ā ā€¢
free financialĀ advice*Ā Ā Ā Ā ā€¢
free financialĀ advice*Ā Ā Ā Ā ā€¢
free financialĀ advice*Ā Ā Ā Ā ā€¢
free financialĀ advice*Ā Ā Ā Ā ā€¢
free financialĀ advice*Ā Ā Ā Ā ā€¢

"Who's answering the questions?"

That would be me, Treyton DeVore šŸ‘‹šŸ¼

I'm a freelancer, financial planner, and co-founder of AllStreet Wealth. I was also named a Top 100 Financial Advisor by Investopedia.

I have a passion for making financial advice more accessible and being a financial planner & freelancer myself, I have a unique perspective around the space.

I want to help as many people become financially independent as possible, so this serves as an easy way to get answers and feedback on your most pressing money & creative business questions.

I may not have the answer to everything myself, but I'll try my hardest to find it for you :)
ā€

Disclaimer: All responses should be viewed as "education-only", and answers provided are of general nature. For legal purposes, this should not be considered investment, tax, or legal advice.

Money & business tips
ā€for self-employed creatives

Who reads this? Freelancers, artists, YouTubers, solopreneurs, course creators, and more

What to expect:
ā€¢ 1 new Breadheads* original sketch
ā€¢ 2 pieces of money & creative business content

"One of my favorite newsletters to read each week . . it really stands out from all the other newsletters in my inbox" - John B., creator of IdeaEconomy