Sat next to a divorce lawyer on a flight out of Phoenix who only represents wives divorcing guys worth $10M+ Asked him what shocks the wives most when his forensic accountants subpoena the husband's bank accounts He laughed and said "none of these guys spend their own money. Their LLCs owe Chase and Amex $300,000 at 0% while their personal cash sits untouched" Everyone assumes a guy making $1M a year pays for his life and his business out of his checking account When forensic accountants pull the discovery packet on a high-net-worth business owner, they see the exact same two-file setup almost every time: File 1 is his personal Social Security Number. On paper he looks like a monk. A 760 credit score. Two personal credit cards with a $400 balance. Under 3% utilization. Zero personal unsecured debt File 2 is his EIN (his holding LLC and operating company). That file carries $200,000 to $350,000 across six business credit cards at 0% APR for 12 to 18 months Every dollar of business overhead, ad spend, software, equipment, flights, client dinners, and contractor invoices goes on the 0% business cards. Meanwhile the actual cash his company generates gets swept straight into Treasury bills paying 5%, index funds, or real estate down payments He gets three things at the exact same time: - His cash earns yield for 12 to 18 months before he ever pays the bill - Every $250,000 he runs through Amex and Chase prints 500,000 to 1,000,000 tax-free points that pay for every first-class flight and hotel he takes - His personal credit report looks pristine because those six business cards only report to Dun & Bradstreet and corporate bureaus Now look at what a normal guy making $120,000 with a 730 credit score does He puts a $14,000 business expense or renovation on his personal Chase Sapphire card. Chase reports that $14,000 balance to Experian on the 20th of the month. His personal credit score drops 55 points overnight. When he goes to apply for another card or a mortgage, the bank treats him like a default risk Same credit score at the start. Same banks. One guy put the balance on his SSN and got punished. The other guy put $250,000 on his EIN and got paid to borrow it You don't need $10 million to set up the second file. You need a clean LLC, a 700+ personal credit score to guarantee the application, and the right bank sequence (Amex soft pulls, Chase Ink under 5/24, US Bank 18-month 0% lines) so five banks approve you in the same window before the inquiries catch up If you have a 700+ credit score and want my team to unlock 150 K-250K in 0% business credit under your LLC, book a call using the link in my bio