Let’s pretend you’re applying for a $10,000 small business grant focused on community impact. Here’s how your answers should sound to reviewers. Prompt 1: Tell us about your business. → “At Klean Beauty Co., we create eco-friendly personal care products using organic ingredients sourced from local farms. We believe sustainability should be beautiful and accessible.” Prompt 2: How will this grant help your business grow? → “This grant will fund new biodegradable packaging, reducing waste by 40%. It will also help us host educational pop-up events to teach local customers about clean beauty.” Prompt 3: What impact does your business have on the community? → “We employ single mothers, providing flexible schedules and training in digital marketing and e-commerce, empowering them with skills for long-term success.” That’s how you make your story fundable: clear, mission-based, and measurable. Write a 3-sentence version of each answer for your own business. Post it in the comments for review.

When applying for business credit, even the smallest details can make a big difference. One of the most overlooked? The job title you list on your application. Recommended titles to use: - Manager - Executive - Director - Head of Marketing Why this matters: - These titles show leadership and authority without putting the full liability directly on you (like “Owner” or “CEO” sometimes can). - They position you as a decision-maker in the business, which lenders prefer. - It enhances your approval odds while keeping your personal exposure lower. ⚡ Millionaire Mindset: The way you present yourself on paper is just as important as your credit score. Be strategic! Drop a “💳” if you’re going to update your job title on your next business credit application.

Millionaires, incorrect W-9s slow your payments and cause unnecessary tax headaches. Let’s fix that today. Here’s your step-by-step breakdown: 1️⃣ Line 1: Name Enter the name that matches your tax return. If you’re a Sole Proprietor: use your personal legal name. If you have an LLC taxed as a corporation: use your LLC’s name exactly as it appears on IRS records. 2️⃣ Line 2: Business Name / Disregarded Entity If you operate under a DBA (Doing Business As), list that name here. Example: Legal Name: Tiffany James Enterprises, LLC DBA: Boss Babe Funding Co. 3️⃣ Line 3: Federal Tax Classification This is where most people mess up. Check the correct box: Individual / Sole Proprietor — if you file under your SSN. C Corporation or S Corporation — if your LLC is taxed as one. Partnership — if you have business partners. LLC — select and then write the tax type (C, S, or P). ⚠️ Tip: If you’re not sure what your tax classification is, check your IRS EIN confirmation letter or ask your tax preparer. 4️⃣ Line 4: Exemptions Leave this blank unless your business qualifies for special exemptions (rare for most small businesses). 5️⃣ & 6️⃣: Address Enter your business mailing address (not your home unless it’s registered as your business address). Part I : Taxpayer Identification Number (TIN) Use your EIN if your business has one. If you’re a sole proprietor with no EIN, use your SSN. ✅ Pro tip: Always use your EIN for business, it protects your personal information. Part II: Certification Sign and date the form. Your signature confirms: The TIN you provided is correct. You’re not subject to backup withholding. 📝 Remember: You do not send this form to the IRS, you send it directly to whoever requested it (like a client or funding source). Download a blank W-9 from the IRS website. Complete it using this guide. Save a signed PDF copy in your business records. Update it any time your name, address, or tax classification changes. Drop a ✅ below once done. If you’re unsure about your classification, tag your accountability partner or ask in the comments, I'll help you get it right!

If your money’s just sitting in a regular savings account, it’s basically on vacation, and not the kind that pays you back A High-Yield Savings Account (HYSA) does the same thing as a regular savings account, but with way better interest rates. Regular bank: around 0.01% interest (that’s pennies). High-yield account: around 4–5%+ interest (that’s hundreds). So if you had $10,000 saved, that’s the difference between earning $1 and $500 a year, just by changing where it sits. Most of us keep extra cash on hand for taxes, emergencies, or slow months. Putting that money in a HYSA means: ✅ You still have access when needed ✅ It’s FDIC-insured (up to $250K) ✅ It earns money while you’re running your business Check out Ally, Capital One 360, SoFi, or Discover, all online banks with great rates and no crazy fees. Do you already have a high-yield account, or is this your sign to finally open one? Comment your questions below.

Millionaires don’t coast, they accelerate. What’s one thing you’ll do this week to finish the month stronger?