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In the 1990s, Jim Carrey told Oprah he had written himself a $10,000,000 check for “acting services rendered,” dated Thanksgiving 1995, and kept it in his wallet as a daily target. He’d drive up to Mulholland Drive, visualize success, and keep working. He later said he placed that worn check in his father’s casket when his dad died—because it had been their shared dream.<h2>The Wayans Launchpad: From Sketch TV to a Breakout Run</h2><figure id="figure-tzlyebgqmevtzsjx"><img id="tzlyebgqmevtzsjx" src="https://cdn.durable.co/blocks/16rJYCFEsInEEtZwdNCS2cSv5BgCWq5LNY0bKkoIfgCUuK30vrBuuheUlQGq7CaD.jpg" alt="" title="" class="object-cover bg-gray-100 " style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionX="undefined" data-positionY="undefined" data-fullWidth="false"/></figure>Before the $10M era, Jim Carrey’s momentum got a crucial boost with the Wayans family. He spent four seasons on In Living Color (1990–1994), the hit sketch series created by Keenen Ivory Wayans, where weekly characters (like Fire Marshal Bill) gave him national visibility and relentless on-camera reps. A few years earlier, he and Damon Wayans had already shared the screen in Earth Girls Are Easy (1988), alongside Geena Davis and Jeff Goldblum—an early collaboration that helped seed relationships and open doors.Takeaway: Relationships + reps accelerate results. Find rooms that sharpen your skills and put you in front of the right people consistently; compounding starts there.<h2>The true story: the check, the movies, the paydays</h2>1994 was the explosion: Ace Ventura: Pet Detective, The Mask, and Dumb and Dumber all hit the same year. Reported pay jumped from mid–six figures on Ace Ventura and The Mask to $7M on Dumb and Dumber; then ~$5M for Batman Forever (1995) and $20M for The Cable Guy (1996).<ul><li>When he wrote the check: Accounts differ on the precise year. A New Yorker profile reports Carrey wrote the check in 1990 and post-dated it to Thanksgiving 1995. On Oprah, he emphasized the date and the ritual of visualizing on Mulholland Drive.</li><li>’95–’96 pay scale: Carrey reportedly earned $5,000,000 for Batman Forever (1995) and then broke the bank at $20,000,000 for The Cable Guy (1996)—establishing the $10M+ tier he’d aimed at.</li><li>About the “$10M on Dumb and Dumber” line: Carrey recalled learning he’d be making $10M right before Thanksgiving 1995; however, contemporaneous figures widely cited for Dumb and Dumber put his pay at $7M while co-star Jeff Daniels earned $50K. Either way, by the following year Carrey was a $20M actor.</li></ul>Bottom line: The check wasn’t superstition—it was a clear target that aligned his choices (training, output, risk) until the market and his skill caught up.<h2>1) The $10M check: what actually matters</h2>Carrey’s check worked as focus tech. A number, a date, a lane (“acting services rendered”). It kept his day-to-day aimed at the outcome.Do this (5 minutes):<ul><li>Write one measurable outcome: “Earn $150,000 from design services by Dec 31, 2026.”</li><li>Put it where you’ll see it daily (wallet, mirror, lock screen).</li></ul><h2>2) Clarity beats vibes: pick a number, date, and vehicle</h2>Vague goals → vague actions. Specifics drive specific reps.Build your target<ul><li>Number: the exact amount/outcome</li><li>Date: ambitious but feasible</li><li>Vehicle: the lane that earns it (role, offer, business model) </li></ul>Add milestones (e.g., $60k → $90k → $120k) so progress is trackable.<h2>3) Emotion is the magnet—behavior is the engine</h2>Visualization lands when you feel it: not just wanting money, but picturing the work and life attached—scripts, clients, drafts, reps.Daily 3-minute protocol1. See it: the proof moment (contract signed, wire received).2. Feel it: relief, pride, gratitude.3. Act: one concrete step (send the pitch, tape the scene, make the call).<h2>4) Make your “check” a system, not a souvenir</h2>A target without a system is a wish. The check should trigger training, output, and pipeline—every week.Weekly system (copy/paste)<ul><li>Skill blocks (2–5 hrs): coaching, drills, deliberate practice</li><li>Output (3–10 units): auditions, pitches, content, iterations</li><li>Pipeline (daily): outreach, follow-ups, applications, collabs</li><li>Review (30 min): keep only what produced replies/sales</li></ul> <blockquote>If it’s not on the calendar, it’s not real.</blockquote><h2>5) Train for the role you want</h2>Carrey’s run came after years of reps—stand-up, sketch, scene study, writing. Manifestation didn’t replace training; it aimed it.Upgrade your lane<ul><li>Pick two skills that would move revenue/bookings fastest.</li><li>Buy speed with a coach or a feedback loop.</li><li>Publish evidence (reels, case studies, demos) to build trust.</li></ul><h2>6) Doubt happens. Build guardrails.</h2>Big targets trigger resistance. Guardrails keep you moving when motivation dips.<ul><li>Floor routine: on low days, do the smallest viable step (one email, one page, one set).</li><li>No-zero days: track streaks; momentum beats intensity.</li><li>Environment cues: place the “check” where decisions happen.</li><li>Accountability: weekly check-in (wins, numbers, next actions).</li></ul><h2>7) Write your own check (practical anchors)</h2>Classic check: “Pay to the order of [Your Name] — $[Amount] — For [Service/Lane] — [Date].”Or use these anchors:<ul><li>Mock invoice/contract with your rate and client type</li><li>Mock wire confirmation with a realistic memo line</li><li>Mock offer letter with title, salary, and start date</li></ul>Put it where you can’t ignore it.<h2>8) Action &gt; magic: a 90-day sprint</h2><ul><li>Days 1–7: Define number/date/vehicle. Build a simple offer or 60-sec reel. Ship first 10 outreaches. </li><li>Days 8–30: Daily pipeline (5–10 outreaches), two portfolio pieces/reels, start one class. </li><li>Days 31–60: Double what produced replies; refine positioning; add one collaboration. </li><li>Days 61–90: Make a bigger ask (raise rates, larger client, higher-tier audition). Weekly review—keep only what moves.</li></ul>Track three metrics<ul><li>Inputs: reps (auditions/pitches/posts)</li><li>Signals: opens, replies, callbacks, meetings</li><li>Wins: bookings, contracts, deposits</li></ul><h2>9) What manifestation can’t do (and what it can)</h2>It won’t bypass practice or market math. It will keep your brain locked on target, your emotions aligned with effort, and your calendar stacked with the right actions—long enough for compounding to hit.Translation: The check in your wallet is a promise to do what most won’t—for longer than they will.<h2>10) Start now (2 minutes)</h2><ul><li>Write the check (or mock invoice).</li><li>Place it where you’ll see it.</li><li>Take one aligned action today.</li></ul><h2>Sources for the Jim Carrey story (for the curious)</h2><ul><li>Oprah’s Lifeclass clip referencing the $10M check and visualization routine.&nbsp;</li><li>The New Yorker profile noting the check was written in 1990, post-dated to Thanksgiving 1995.&nbsp;</li><li>Carrey’s on-air quote about the $10M check and placing it in his father’s casket.&nbsp;</li><li>Documented salaries: $350k (Ace Ventura), $540k (The Mask), $7M (Dumb and Dumber), $5M (Batman Forever), $20M (The Cable Guy).&nbsp;</li><li>Snopes fact-check confirming $7M for Dumb and Dumber and Jeff Daniels’ $50K.&nbsp;</li></ul><figure id="figure-vq3v3z1txqmevtcnjx" data-full-width=""><iframe id="vq3v3z1txqmevtcnjx" src="https://www.youtube.com/embed/P0ifp5cx41k" class="w-full bg-gray-100 " style="aspect-ratio: 16/9;" allowfullscreen="" data-url="https://youtu.be/P0ifp5cx41k?si=tyiC1-5XBw3odoYp" data-corners="no-rounded" data-fullwidth="true" data-mce-src="https://www.youtube.com/embed/P0ifp5cx41k" data-mce-style="aspect-ratio: 16/9;"></iframe></figure><h2><a data-mce-href="https://www.thinkwithad.com/blog" href="https://www.thinkwithad.com/blog">🧠 ThinkwithAD – PULSE</a></h2>Real-world playbooks for growth—money, mindset, and moves that actually land. Urban lens, professional execution. No BS, just strategy.<figure id="figure-19q2ttmynztmevql1l8"><img id="19q2ttmynztmevql1l8" src="https://cdn.durable.co/blocks/54ayD4Z50YU4VGBxYiWIxF5LCyxmp6fLNXHe2my9ZZE3oeAMfe4twCoBQkf6QIit.jpg" alt="" title="" class="object-cover bg-gray-100 " style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/54ayD4Z50YU4VGBxYiWIxF5LCyxmp6fLNXHe2my9ZZE3oeAMfe4twCoBQkf6QIit.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>⚠️ Disclaimer: For educational and motivational purposes only—not financial, legal, or career advice. Outcomes vary; examples (including Jim Carrey’s story) are illustrative, not promises of results. No affiliation with Jim Carrey or any film studio; references are used for commentary.

From a $10M Check to Reality: Jim Carrey’s Law-of-Attraction Playbook (No Magic Wand)

Anonymous Man Standing Under a Spotlight on Stage in Front of a Sold-Out Audience. Motivational Speaker or a Stand Up Comedian Making an Unforgettable Performance

You don’t need connections to start acting—you need clarity, clean self-tapes, and a daily submission routine. This playbook shows exactly how to use <a data-mce-href="https://www.backstage.com/" href="https://www.backstage.com/" target="_blank" rel="noopener">Backstage</a> (and similar casting boards) to land real opportunities, build a résumé from zero, and stack momentum—without the fluff.<h2>Backstage 101: What It Is, If It’s Legit, and What It Costs</h2>What it is<a data-mce-href="https://www.backstage.com/" href="https://www.backstage.com/" target="_blank" rel="noopener">Backstage</a> is a long-running casting marketplace where actors, voice artists, models, hosts, and creators find auditions for film/TV, commercials, theatre, VO, UGC, corporate videos, and more. You can browse many listings for free; applying or messaging casting typically requires a paid membership (monthly or annual).Is it legit?Yes. Backstage has operated for decades and is used by productions, brands, studios, schools, and indie teams. Like any marketplace, quality varies by project—you still vet each listing—but the platform is established and widely used.What it costs.Plans are offered monthly and annually and change over time; Backstage often runs promos. Always check the current price at sign-up and consider starting with a short plan to test.Features that matter:<ul><li>Robust search &amp; filters (union/non-union, pay, remote/local, role type)</li><li>In-platform submissions &amp; messaging</li><li>Built-in self-tape requests and upload threads</li><li>A solid education library (auditions, self-tapes, unions, extras)</li></ul>Safety basics:<ul><li>Read rate, usage, and dates before you submit—especially for commercials (usage can dwarf day rate).</li><li>Avoid off-platform payments, “deposit this check,” bank login requests, or asks for explicit content.</li><li>For minors, use a parent/guardian account and follow labor rules in your state.</li></ul><h2>1) What You Can Actually Book on Backstage</h2><ul><li>On-Camera (Screen): short films, student films, indie features; web series/sketches; commercials &amp; UGC; corporate/industrial (training/explainers) </li><li>Stage &amp; Live: theatre (plays/musicals/readings); hosts/MCs; brand activations &amp; immersive events </li><li>Voice &amp; Print: VO (commercial, narration, audiobooks); modeling/print (e-comm, lifestyle) </li><li>Set Foundations: background/extra, stand-in, photo double (set literacy + relationships) </li><li>Remote-friendly: VO, UGC, most self-tapes, some commercials/table reads</li><li>Filter starter: Non-Union • Local Hire • Paid • Remote (where relevant). Save your searches.</li></ul><h2>2) A Profile That Books (Fast &amp; Clean)</h2>Must-haves<ul><li>Headshots (2): one commercial (friendly/bright), one theatrical (grounded). Natural light is fine.</li><li>Slate (10–15s): name, city, playing range, union status.</li><li>Short reel (45–60s): 1–2 scenes of you talking to someone (make them if you must—see §7).</li><li>Accurate stats: height/sizes, languages/accents, DL/passport, union status.</li><li>Type tags: young professional/teacher/best friend/nurse/tech founder—help casting place you fast.</li></ul>Boosters<ul><li>VO samples (15–30s each) • Real special skills (camera-ready now) • Link hub (site/Linktree with reel)</li></ul>Auto-passes to avoid <ul><li>Sunglasses/hat shots • Over-retouching • Reels over 90 seconds • Only monologues • Claims you can’t back up</li></ul><h2>3) Self-Tapes That Look Pro (On a Budget)</h2>Starter kit (~$120)<ul><li>Phone (1080p/4K) • Ring light or two lamps (daylight bulbs) • Wired lav (or quiet room) • Neutral backdrop</li></ul>Rules that book<ul><li>Medium close-up (chest-up), eyeline just off camera</li><li>Audio &gt; video (clear voice, minimal echo)</li><li>Filename FirstLast_Role_Project.mp4</li><li>Follow directions (slate/length/wardrobe)</li><li>No reader? Pre-record the other lines softly or use a reader app—keep timing alive</li></ul><h2>4) Submitting Like a Pro (Daily System)</h2>Read the breakdown like a contract<ul><li>Role/type/energy • Dates/location (real availability) • Rate &amp; usage • Required materials (slate/sides/accent/improv)</li></ul>Cover note (2–3 lines max)1. Fit: “ATL-based young-professional/coach type; real classroom experience.”2. Clip: “60s reel attached—first scene matches tone.”3. Logistics: “Local hire; flexible for dates.”Consistency &gt; luck<ul><li>Target 5–10 focused submissions per day. Track in a sheet (project/role/status/callback/notes) and iterate.</li></ul><h2>5) Background (Extras): Paid On-Set Education—Use It Right</h2>What it isYou’re part of the world of the scene (crowd, office, restaurant). It’s the fastest way to learn set flow, get comfortable around cameras, and meet ADs/crew.How to leverage it<ul><li>Featured moments: ask 2nd AD where to land eyeline; hit marks; you’ll be placed more intentionally.</li><li>Bumps: night work, wardrobe changes, rain/smoke, driving, animals/props can add small “bumps” to pay.</li><li>Stand-in &amp; photo double: if you match height/complexion, you may be upgraded—relationships start here.</li><li>SAG-Eligible path: some productions issue background vouchers toward SAG eligibility. Not guaranteed; varies by market and set policies.</li><li>Résumé rule: don’t list a wall of background credits. Only list Featured Background if clearly visible or Upgraded (given lines). Otherwise keep background off the main credit list (or note “Set Experience” separately). </li></ul>On-set etiquette <ul><li>On time, signed, quiet, phone away, follow ADs. Pros get re-booked.</li></ul><h2>6) Money, Usage &amp; Agreements (Know Before You Go)</h2><ul><li>Day rate vs. usage: For commercials, usage (where/how long it runs) often matters more than day rate. Ask: “What’s the usage term, renewal, and territory?”</li><li>Local hire vs. travel: Clarify whether travel/per diem is covered.</li><li>Release/NDA: Read and save copies.</li><li>Kill fee/reshoots: Ask how changes are handled.</li><li>Taxes: Expect 1099s; track income/expenses and set money aside.</li><li>Unions: SAG-AFTRA (screen/VO), AEA (theatre). Strong protections/residuals, but can limit some non-union jobs. Join when it fits your market and momentum.</li><li>Safety/intimacy: No nudity/intimacy without written consent; request an intimacy coordinator when warranted. If something feels off, pass.</li></ul><blockquote>Not legal/tax advice—use professionals for your situation.</blockquote><h2>7) Build a Résumé From Little (or No) Experience</h2>Credits you can create in 30 daysStudent films • Micro-shorts (60–90s, written to your type) • Self-produced scene pairs (comedy + drama) • UGC spec ads (15–30s) • VO samples • Community theatre/black box • 1–2 background days (for set literacy)Two-week reel plan Week 1: pick two type-true scenes; rehearse with a partner. Week 2: shoot with clean audio/light; cut to 45–60s total; strongest 20s first.How to list (honest &amp; clean) FILM – Project — Role (Lead/Supporting/Day Player), Dir. Name, Year THEATRE – Show — Role, Company/Theatre, Year VOICEOVER – Commercial/Narration/Character — Client or “Spec,” Year TRAINING – On-Camera (Coach/School), Scene Study (Coach), VO (Coach) SPECIAL SKILLS – Only what you can do on camera today<h2>8) What Can You Earn? (Ballpark Ranges—U.S. Markets</h2><ul><li>Rates vary by city, experience, union status, usage, and contract. These are typical ballparks, not quotes. Always confirm terms and check official union rate sheets.</li><li>Background / Extras (non-union): about $100–$180/day. Background (union): base in the low $200s/day, with overtime and “bumps” (night/wardrobe/props/weather).</li><li>Stand-In / Photo Double (non-union): roughly $150–$250/day. Stand-In (union): typically $200s/day base; steady on series/features.</li><li>Day Player (TV/Film, speaking): Indie/non-union: around $100–$400/day (wide variance). Union scale: often ≈ $1,000+/day, with potential residuals.</li><li>Commercial—On-Camera: Non-union: $200–$750 session plus $500–$3,000 buyout. Union: ~$700–$1,000+ session, with usage ranging from $1,000 to $10,000+ depending on platforms/term/territory.</li><li>Corporate/Industrial (on-camera): commonly $300–$1,200/day; internal use is simpler, broadcast implies usage fees.</li><li>Voiceover—Commercial: $150–$500/spot non-union; higher at union scale, plus usage.</li><li>Voiceover—Narration/eLearning: $250–$750 per finished hour non-union; higher at union scale.</li><li>Audiobooks (VO): $100–$250 per finished hour (PFH).</li><li>Theatre: community/stipend gigs $0–$300 per run or week; union theatre can reach four figures per week.</li><li>UGC/Creator (per deliverable): starting $100–$500; with leverage $500–$2,000+. Charge extra for usage/whitelisting per month.</li><li>Print/Modeling: $200–$1,500/day; buyouts/usage add more.</li></ul>Key takeaways:• For commercials, usage eclipses the day rate. • Union work pays more and adds protections/residuals, but narrows some non-union options. • Background is steady paid practice; upgrades (featured, lines) can bump pay.<h2>9) Training That Actually Helps</h2>On-camera scene study/audition • Improv (great for commercials/comedy) • VO basics (breath, smile in the read) • Dialect/diction • Movement/breath (stay relaxed and directable)<blockquote>If a class doesn’t put you on camera, give actionable notes, or yield usable tape—rethink it.</blockquote><h2>10) Networking Without the Cringe</h2>Be reliable on set • Send short, specific thank-yous to casting after callbacks/bookings • Make IG bio findable (Actor/VO | City | Reel link) • Share resources, not “cast me” DMs • At mixers/festivals, keep a one-line identity: “NYC actor—young professional/coach type; 60s reel in bio.”<h2>11) Red Flags &amp; Safety</h2>Pay-to-audition “agencies” • Forced headshot/class bundles to be “represented” • Check-deposit/bank-login scams • Off-platform DMs for explicit content or Telegram/WhatsApp “casting” • Vague ad usage for low flat fees • Minors: parent/guardian only; follow labor and trust-account rules<h2>12) Your 90-Day Break-In Plan (Copy/Paste)</h2>Days 1–7 Two headshots • 45–60s reel • Backstage profile live • 20 targeted student/indie roles + 10 VO/UGC submissionsDays 8–30 48-hour self-tape habit • Book 1–2 student films + 1 UGC/VO spec • Start one class One-page résumé (add training)Days 31–60 Add a third contrasting scene • Aim 3–5 callbacks; refine cover notes • Do a background day on a legit setDays 61–90Target a paid indie/commercial • Ask usage questions • Refresh any outdated headshot • Tighten reel to best 45–60s • Audit submissions → callbacks → bookings; double down on what’s working<h2>Quick-Start Checklist (Pin This)</h2><ol><li>Two headshots (commercial + theatrical)</li><li>45–60s reel (two scenes; strongest first)</li><li>Backstage profile: stats, tags, slate, links</li><li>Daily 5–10 targeted submissions (tracked)</li><li>Self-tape setup dialed (audio first)</li><li>One class started (on-camera or VO)</li><li>One background day for set literacy</li><li>Ask usage on any commercial booking</li></ol><h2>Two Outreach Scripts (Copy/Paste)</h2>Thank-you after a callback<blockquote>Thanks for the callback on [Project]. I loved the scene’s tone and direction. I’m local and clear on dates. Sharing my 60s reel here (first clip matches the energy we explored). Grateful for the look—happy to tape any adjustments.</blockquote>Follow-up after submitting (1 week later)<blockquote>Hi [Name]—submitted for [Role] on [Project] last week. NYC-based young-professional type; local hire; schedule is flexible. Reel is 60s (lead clip aligns with your brief). Thanks for your time—open to a quick tape if helpful.</blockquote>Final word: Casting wants two things—clarity (who you are on camera) and consistency (clean tapes, fast turnarounds, easy hires). Use background as paid training, protect your terms, and stack real credits. That’s how you go from profile to booked.<h2><a data-mce-href="https://www.thinkwithad.com/blog" href="https://www.thinkwithad.com/blog">🧠 ThinkwithAD – PULSE</a></h2>Real-world playbooks for growth—money, mindset, and moves that actually land. Urban lens, professional execution. No BS, just strategy.<figure id="figure-ls1ao2vrvhmeta33ck" data-full-width=""><img id="ls1ao2vrvhmeta33ck" src="https://cdn.durable.co/blocks/54ayD4Z50YU4VGBxYiWIxF5LCyxmp6fLNXHe2my9ZZE3oeAMfe4twCoBQkf6QIit.jpg" alt="" title="" class="object-cover bg-gray-100 " style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="true" data-mce-src="https://cdn.durable.co/blocks/54ayD4Z50YU4VGBxYiWIxF5LCyxmp6fLNXHe2my9ZZE3oeAMfe4twCoBQkf6QIit.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>⚠️ Disclaimer: This guide is for educational purposes only and isn’t legal, tax, or employment advice. Rates, union rules, and casting policies change by market—always confirm current project terms and consult qualified professionals where needed.

Break In on Backstage: The No-BS Guide to Getting Cast

Night Office: Successful Black Businessman Wearing Suit Standing, Looking out of the Window on a Big City. African-American CEO Thinking of Environmental, Social, Corporate Governance for e-Business

When you start winning, you don’t just earn more—you attract more attention. People who were quiet during the grind may show up with opinions, expectations, or “reminders” about what you owe. Some will clap. Others will count your pockets. A few will try to claim a seat they never earned. This guide shows you how to handle entitlement and envy without losing your peace—or your momentum.<h2>1) Why Success Triggers Entitlement &amp; Envy (Plain Psychology)</h2><ul><li>Proximity bias: Your win is a mirror. It spotlights someone else’s stalled goals, which can feel like loss—so envy activates.</li><li>Familiarity trap: Folks who knew the “before” version feel entitled to the “after” version’s benefits—without respecting the work between.</li><li>Narrative gaps: Social media shows outcomes, not process. When effort is invisible, results look like luck—and the “you owe me” energy rises.</li><li>Status anxiety: Your elevation can disrupt group norms. Some try to pull you back to stabilize their comfort.</li></ul>Bottom line: Envy wants your outcome. Entitlement wants your output. Neither paid your dues.<h2>2) Spot Entitlement Early (Signals &amp; Scenarios)</h2><ul><li>Retroactive partnership: “We go way back—put me on.” (No receipts, just nostalgia.)</li><li>Perpetual ‘small favor’: Quick asks that become ongoing tasks.</li><li>Discount-by-default: “Show love on the price.” (“Love” means free.)</li><li>Access without accountability: “Introduce me,” with no plan, deck, or time invested.</li><li>Guilt scripts: “You changed,” right after you set a boundary.</li></ul>Tell: Their support is loudest after the win, quietest during the work.<h2>3) The Envy Loop (Quiet Behaviors That Still Cost You)</h2><ul><li>Muted claps: Public likes, private shade.</li><li>Moving goalposts: Whatever you do “doesn’t count” because it’s not their way.</li><li>Slow sabotage: Late replies, missed intros, “forgetting” details that would help you.</li><li>Weaponized comparisons: “So-and-so did it faster/cheaper.”</li></ul>Rule: Don’t negotiate with narratives. Document the work. Let results speak.<h2>4) Protect Your Time, Money, and Access (Systems &gt; Speeches)</h2>You can’t coach every feeling—but you can systemize your boundaries.<h3>A) Money &amp; Favors</h3><ul><li>No unstructured loans: “I don’t do loans. If I help, it’s a gift—capped at $____.”</li><li>Friends &amp; Family menu: A tiny rate card (3–4 offers) with clear deliverables and timelines. Consistency feels fair.</li><li>Give-back budget: A monthly/annual number for generosity. When it’s tapped, it’s tapped—no guilt.</li></ul><h3>B) Access &amp; Time</h3><ul><li>Office hours &gt; open door: Two blocks per month for quick help. Outside that, it’s paid.</li><li>Two-step vetting: Before you share your network, require a one-pager or deck. No prep = no intro.</li></ul><h3>C) Paper It Up</h3><ul><li>Simple agreements: Even for homies—scope, timeline, payments, usage rights. Clarity saves relationships.</li><li>Receipts folder: Log intros, favors, and outcomes. Facts beat feelings later.</li></ul><h2>5) Scripts That Hold the Line (Respectfully)</h2>Use as-is or tailor to your voice:<ul><li>Discount asks: “I love you, and I respect my team’s rates. Two options: our friends &amp; family package, or I can refer someone in your budget.”</li><li>“Put me on” (access): “Happy to review a one-pager with goals, what you’ve tried, and what you need from me. If it’s aligned, I’ll make the intro.”</li><li>Loans: “I don’t do loans. I can gift up to $____ this time—no payback. Beyond that, here are resources that can help.”</li><li>Time: “I hold Tuesdays 3–4 PM for quick consults—grab a slot. If you need deeper help, I’ll send my coaching rate.”</li><li>Guilt trips: “I hear you. I’m carrying a lot and need structure to keep promises. If bandwidth opens up, I’ll let you know.”</li></ul>Why scripts work: They turn emotion into process.<h2>6) Generous, Not Gullible (Give Back the Smart Way)</h2><ul><li>One-to-many value: Free workshops, resource lists, templates—same effort, bigger impact.</li><li>Merit-based help: Micro-grants, gear scholarships, or shadow days with clear criteria and deadlines.</li><li>Group mentorship: Monthly Q&amp;A instead of endless 1:1s.</li><li>Partner with orgs: Let specialists vet applicants and track outcomes.</li></ul>Pro tip: Build a Give-Back page. When asks come in, send the link. Systems protect your “yes.”<h2>7) Mental Hygiene for Builders (This Gets Heavy)</h2><ul><li>Audit inputs: Less doomscrolling; more craft. Curate a builders’ circle.</li><li>Private scoreboard: Celebrate quietly and consistently. Public applause is not fuel.</li><li>Therapy/coaching: Process the emotional tax with a pro—don’t dump it on loved ones.</li><li>Gratitude in motion: Remember your start and help with intention—not pressure.</li></ul><h2>8) Healthy Support Looks Like This (Green Flags)</h2><ul><li>They clap before it’s cool.</li><li>They ask, “What do you need?”—not “What can I get?”</li><li>They respect “no” without rewriting your character.</li><li>They bring solutions and do the work you suggest.</li></ul>Invest back into this energy. That’s community.<h2>9) Special Cases: Family, Old Friends, Team (Mini Playbooks)</h2>Family<ul><li>Lead with love, keep the policy consistent (gift cap, no loans, F&amp;F menu). Separate “emergency help” from “business help.” Different lanes, different rules.</li></ul>Old Friends<ul><li>Acknowledge history, then set present-day terms. Nostalgia doesn’t replace scope. Protect the friendship by writing it down—clarity &gt; assumptions.</li></ul>Team Members<ul><li>Publish how to get resources (budget, process, timeline). Praise in public, coach in private. Don’t let your wins become their fear.</li></ul><h2>10) Crisis Mode: When Narratives Turn Toxic</h2><ul><li>Pause &amp; document: Screenshots, dates, agreements, payments.</li><li>Respond once, clearly: Facts only; no thread wars.</li><li>Escalate privately: If needed, involve a neutral mediator or counsel.</li><li>Inoculate your network: Quietly share facts with key partners if reputation risk exists.</li></ul>Move on: Don’t feed the algorithm with drama.<h2>Your Operating Agreement (Keep This)</h2>1. I’m allowed to win without apology.2. I help from policy, not pressure.3. I don’t loan money. If I give, it’s a gift—with a cap.4. My time has a container. Office hours or a rate.5. No introductions without prep. Deck first, intro second.6. No boundary debates in public. I state it once and stand on it.7. I protect my peace the same way I protect my profits.Final word: Success should expand your life, not exhaust it. Be kind and consistent. Keep your craft at the center. Real ones adjust; the rest were never on your team.<h2><a data-mce-href="https://www.thinkwithad.com/blog" href="https://www.thinkwithad.com/blog">🧠 ThinkwithAD – PULSE</a></h2>ThinkwithAD – PULSE breaks down real-world playbooks for money, mindset, and growth—urban lens, professional execution. No fluff, just strategy.<figure id="figure-khgjzb5plkmestponh" data-full-width=""><img id="khgjzb5plkmestponh" src="https://cdn.durable.co/blocks/54ayD4Z50YU4VGBxYiWIxF5LCyxmp6fLNXHe2my9ZZE3oeAMfe4twCoBQkf6QIit.jpg" alt="" title="" class="object-cover bg-gray-100 " style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="true" data-mce-src="https://cdn.durable.co/blocks/54ayD4Z50YU4VGBxYiWIxF5LCyxmp6fLNXHe2my9ZZE3oeAMfe4twCoBQkf6QIit.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>⚠️ Disclaimer: This article offers general insights for educational purposes only and is not legal, financial, or mental health advice. Every situation is unique—use judgment, set boundaries appropriate to your context, and consult qualified professionals when needed.

Winning Attracts Entitlement & Envy: Set Boundaries, Keep Your Peace

Referral note: This post includes our Ledger affiliate link: <a href="https://shop.ledger.com/?r=a403f15a7bb7" target="_blank" data-mce-href="https://shop.ledger.com/?r=a403f15a7bb7" data-mce-selected="inline-boundary">Shop Ledger (Official Store)</a>&nbsp;If you buy through it, we may earn a commission—at no extra cost to you. Always do what’s best for you.<figure id="figure-ms0tdt39gbmeq2kr5b"><img id="ms0tdt39gbmeq2kr5b" src="https://cdn.durable.co/blocks/2floAwWwQe1BSRxwX0O2f5mU5o9CrFlx0JFioQpG7vW1fwwvL6qb9qwQZPNAUuKq.jpg" alt="" title="" class="object-cover bg-gray-100 " style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/2floAwWwQe1BSRxwX0O2f5mU5o9CrFlx0JFioQpG7vW1fwwvL6qb9qwQZPNAUuKq.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure><h2>What Is Ledger? (Plain English)</h2>Ledger makes hardware wallets—small devices that keep your crypto private keys offline in a secure chip. You approve every transaction on the device with your PIN, so even if your phone or laptop is compromised, your keys aren’t exposed.How it works<ul><li>Your coins stay on the blockchain; the Ledger holds the private keys that control them.</li><li>You manage accounts in Ledger Live (or connect to MetaMask, etc.), but you sign on the Ledger, not the computer.</li><li>Lose the device? Restore access with your 24-word recovery phrase (BIP39 standard) on a new Ledger.</li></ul>Good fit for<ul><li>Anyone moving off exchanges to self-custody, long-term holders, and creators who want offline security with a clean workflow.</li></ul>Not a fit (yet) if<ul><li>You only trade on centralized exchanges and won’t manage a recovery phrase—self-custody requires that responsibility.</li></ul>Bottom line: Exchanges are for trading. Ledger is for keeping.<h2>Crypto without a plan is just luck. Self-custody is the plan.</h2>Centralized exchanges are convenient—but they’re also honeypots for hackers, vulnerable to freezes, and subject to someone else’s rules. A hardware wallet like Ledger keeps your private keys offline in a secure chip, so even if your phone or laptop catches malware, attackers still can’t approve transactions without your physical device and PIN.Below is a straight-up guide to picking a Ledger, setting it up safely, and avoiding the rookie mistakes that make headlines.<h2>Why Self-Custody (and Why Ledger)</h2><ul><li>You hold the keys. Your private keys never leave the device. Transactions must be approved on the Ledger, not on your computer/phone.</li><li>Secure element + PIN. Hardware isolation + a PIN you control.</li><li>Offline by design. Reduces attack surface vs. hot wallets and exchanges.</li><li>Ledger Live ecosystem. Manage accounts, install apps per network, send/receive, and view portfolios from one console. (You can also connect Ledger to wallets like MetaMask for DeFi—approve on device, not in the browser.)</li></ul><h2>Which Ledger Should You Choose?</h2><figure id="figure-t0yvjvyrdfmeq0fjoh" data-full-width=""><img id="t0yvjvyrdfmeq0fjoh" src="https://cdn.durable.co/blocks/360h7n8cjUEx743Hz4iHLnIvzjgeWiAwcOlvimAr4htqDa02AEfD9eWZCmkELWoX.jpg" alt="" title="" class="object-cover bg-gray-100" style="aspect-ratio: 3/2; object-position: 100% 85%;" data-corners="default" data-aspect="3:2" data-caption="" data-positionx="100%" data-positiony="85%" data-fullwidth="true" data-mce-src="https://cdn.durable.co/blocks/360h7n8cjUEx743Hz4iHLnIvzjgeWiAwcOlvimAr4htqDa02AEfD9eWZCmkELWoX.jpg" data-mce-style="aspect-ratio: 3/2; object-position: 100% 85%;"></figure><ul><li><a data-mce-href="https://shop.ledger.com/products/ledger-nano-s-plus/matte-black=MY_TRACKER" href="https://shop.ledger.com/products/ledger-nano-s-plus/matte-black=MY_TRACKER" target="_blank" rel="noopener">Order Nano S Plus </a>(USB only): Great value starter. Wired USB connection, solid for secure storage and routine sends.</li><li><a href="https://shop.ledger.com/products/ledger-nano-x/onyx-black=MY_TRACKER" target="_blank" rel="noopener" data-mce-href="https://shop.ledger.com/products/ledger-nano-x/onyx-black=MY_TRACKER">Order Nano X</a> (Bluetooth + USB): Mobile-friendly. Bluetooth lets you manage from your phone securely—keys stay on-device; approvals happen on the Ledger even with Bluetooth.</li><li><a data-mce-href="https://shop.ledger.com/products/ledger-stax/ledger-stax%E2%84%A2-+-recovery-key=MY_TRACKER" href="https://shop.ledger.com/products/ledger-stax/ledger-stax%E2%84%A2-+-recovery-key=MY_TRACKER" target="_blank" rel="noopener">Order Ledger Stax</a> (premium): Larger touchscreen, better UX, higher price.</li></ul>Quick picks:<ul><li>On a budget? <a data-mce-href="https://shop.ledger.com/products/ledger-nano-s-plus/matte-black=MY_TRACKER" href="https://shop.ledger.com/products/ledger-nano-s-plus/matte-black=MY_TRACKER" target="_blank" rel="noopener">Nano S Plus</a>.</li><li>You want phone-first convenience? <a data-mce-href="https://shop.ledger.com/products/ledger-nano-x/onyx-black=MY_TRACKER" href="https://shop.ledger.com/products/ledger-nano-x/onyx-black=MY_TRACKER" target="_blank" rel="noopener">Nano X</a>.</li><li>You want the most comfortable on-device experience? <a data-mce-href="https://shop.ledger.com/products/ledger-stax/ledger-stax%E2%84%A2-+-recovery-key=MY_TRACKER" href="https://shop.ledger.com/products/ledger-stax/ledger-stax%E2%84%A2-+-recovery-key=MY_TRACKER" target="_blank" rel="noopener">Stax</a>.</li></ul>👉 Shop official:&nbsp; <a href="https://shop.ledger.com/?r=a403f15a7bb7" target="_blank" rel="noopener" data-mce-href="https://shop.ledger.com/?r=a403f15a7bb7">Shop your Ledger now!</a> (Only buy from the official store or an authorized reseller. Run the Genuine Check in Ledger Live before loading funds.)<figure id="figure-2rtmtk9x2kmeq0nyto" data-full-width=""><img id="2rtmtk9x2kmeq0nyto" src="https://cdn.durable.co/blocks/1eRLNLiQ5fZD4dmPkyprJAvUu7vmdQ7S05WC9mCAi6HCFbiHZoN9UqNUyDKuh5bb.jpg" alt="" title="" class="object-cover bg-gray-100" style="aspect-ratio: 3/2; object-position: 100% undefined%;" data-corners="default" data-aspect="3:2" data-caption="" data-positionx="100%" data-positiony="undefined%" data-fullwidth="true" data-mce-src="https://cdn.durable.co/blocks/1eRLNLiQ5fZD4dmPkyprJAvUu7vmdQ7S05WC9mCAi6HCFbiHZoN9UqNUyDKuh5bb.jpg" data-mce-style="aspect-ratio: 3/2; object-position: 100% undefined%;"></figure><h2>10-Minute Safe Setup (Do This, In Order)</h2>1. Unbox and inspect Make sure the box is sealed and intact. (Packaging isn’t security—Genuine Check is.)2. Install Ledger Live (desktop or mobile) Only from the official site/app store. Bookmark it.3. Initialize on the device Set a strong PIN. Generate your recovery phrase (typically 24 words). Write it down by hand on the provided cards.4. Never digitize the phrase No photos. No Notes app. No cloud. Consider a metal backup for fire/flood durability.5. Confirm the phrase on device Follow the on-screen flow. If you’re asked to type your phrase on a website, stop—that’s a scam.6. Run Genuine Check in Ledger Live Confirms the device is authentic and communicating correctly.7. Add accounts Install network apps (e.g., Bitcoin, Ethereum) in Ledger Live, then create/view addresses.8. Test with a small amount Send a tiny transaction in and out to learn the flow.9. Name and label Label accounts clearly in Ledger Live.10. Firmware + app updates Update periodically from within Ledger Live only.<h2>Golden Rules (That Save You From 99% of Scams)</h2><ul><li>Your recovery phrase is the money. Anyone with it can drain your wallet.</li><li>Type the phrase only on your Ledger device (restore scenario). Never on a website, Google Form, Discord, email, or “support chat.”</li><li>No surprise airdrops. If something “arrives” you didn’t expect, assume it’s malicious until proven otherwise.</li><li>Imposter support is common. Real support will never ask for your 24 words.</li><li>Bookmark Ledger sites and the Ledger Live download page. Double-check URLs every time.</li></ul><h2>Sending, Receiving, and Fees (Sanity Check)</h2><ul><li>Receiving: In Ledger Live, pick the correct network (e.g., ETH vs. an L2). Verify the address on the device screen matches your app before sharing.</li><li>Sending: Always confirm the to-address and amount on the device. That’s the final truth.</li><li>Networks &amp; fees: Fees are set by the network (miners/validators), not by Ledger. Choose an appropriate fee level if the network allows.</li><li>First time? Do a test send (small amount) before moving size.</li></ul><h2>Advanced Safety (When You’re Ready)</h2>Passphrase (a.k.a. 25th word): Adds another layer on top of your 24 words to create a hidden account set. Powerful—but unforgiving if forgotten. Use only when you fully understand it.Multiple Ledgers: Consider a second device as a live backup or to test a recovery (restore with your phrase and verify balances).Segmentation: Keep “vault” funds on one address, “spending” on another. Don’t mix.Multisig (advanced): For larger stacks, consider multisignature setups (e.g., with other hardware wallets). Requires planning and practice.<h2>Inheritance &amp; Emergency Planning</h2><ul><li>Inventory: Keep a private list of what you hold and where (networks, addresses)—without exposing your seed.</li><li>Recovery phrase storage: Two separate, secure physical locations (e.g., safe + safe-deposit box). Consider a metal backup.</li><li>Clear instructions: Write simple steps for your executor/heirs on how to locate the device and restore funds without ever typing the phrase into a computer.</li><li>Passphrase users: Document the existence of a passphrase and where/how it’s stored (separately). No passphrase = heirs will never see those funds.</li></ul><h2>Common Mistakes (Don’t Do These)</h2><ul><li>Buying from random marketplaces. Get it from Ledger’s official store: <a href="https://shop.ledger.com/?r=a403f15a7bb7" target="_blank" rel="noopener" data-mce-href="https://shop.ledger.com/?r=a403f15a7bb7">Shop now! </a></li><li>Never buy or use a pre-seeded device. If someone else generated the words, it’s not safe—period.</li><li>Taking photos of the seed. That cloud backup can be your downfall.</li><li>Entering seed into a web form. There are no legitimate reasons to do this—ever.</li><li>Mixing networks. Don’t send BTC to an ETH address, or a token on the wrong chain.</li><li>Skipping test sends. When in doubt, test with $5 before sending $5,000.</li></ul><h2>Quick Q&amp;A</h2><ul style=""><li>Is Bluetooth on Nano X safe? Yes—transactions still require on-device approval; private keys never leave the device. Bluetooth is about convenience, not custody.</li><li>What if I lose my Ledger? Your recovery phrase restores funds on a new device. The PIN protects the lost device from casual access.</li><li>Can Ledger see my coins? Ledger Live reads balances via public addresses. Your keys stay on the device. You can also use third-party wallets with your Ledger if you prefer.</li><li>What about optional services? Occasionally Ledger offers additional/optional services. Review the privacy, security, and custody implications before opting in. If you don’t turn it on, nothing changes about your hardware-wallet security model.</li></ul><h2>Your 1-Week Self-Custody Plan</h2>Day 1: Order from the official store → https://shop.ledger.com/?r=a403f15a7bb7Day 2: Set up Ledger Live; initialize device; write the 24 words (by hand).Day 3: Run Genuine Check; add BTC/ETH accounts.Day 4: Do a $5 test receive; then a $3 test send back out.Day 5: Label accounts; document your process.Day 6: Store your recovery phrase in two secure locations. Consider metal backup.Day 7: Review: phishing rules, update flow, and inheritance notes.<h2>Final CTA (Official Store Only)</h2>Ready to take your keys offline? Shop Ledger here: <a href="https://shop.ledger.com/?r=a403f15a7bb7" data-mce-href="https://shop.ledger.com/?r=a403f15a7bb7">Get Your Ledger! </a> (Not sponsored/endorsed by Ledger. Affiliate link above; May earn a commission.)<h2><a data-mce-href="https://www.thinkwithad.com/blog" href="https://www.thinkwithad.com/blog">🧠 ThinkwithAD – PULSE</a></h2>ThinkwithAD – PULSE breaks down real-world playbooks for money, tech, and mindset—urban lens, professional execution. No fluff, just strategy.<figure id="figure-p81lu9l8qfmepy7n8k"><img id="p81lu9l8qfmepy7n8k" src="https://cdn.durable.co/blocks/54ayD4Z50YU4VGBxYiWIxF5LCyxmp6fLNXHe2my9ZZE3oeAMfe4twCoBQkf6QIit.jpg" alt="" title="" class="object-cover bg-gray-100 " style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/54ayD4Z50YU4VGBxYiWIxF5LCyxmp6fLNXHe2my9ZZE3oeAMfe4twCoBQkf6QIit.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>⚠️ Disclaimer &amp; Disclosure: This post may contain affiliate links; if you buy through them, I may earn a commission at no extra cost to you. This content is for educational purposes only and is not financial, legal, or tax advice. Crypto is volatile and self-custody carries risks (including loss of funds if recovery phrases/keys are mishandled); transactions are irreversible. Always verify details on Ledger’s official site. Never share your 24-word recovery phrase. Not sponsored or endorsed by Ledger; trademarks belong to their owners.

Self-Custody 101: Set Up a Ledger Hardware Wallet the Right Way

Happy, crossed arms and portrait of black woman in office with confidence for corporate career. Smile, night and professional African female attorney with positive attitude and pride for legal job.

[Referral note]: This post includes my Found invite link. If you open an account and spend $100, you’ll get $20 (offer subject to Found’s terms; eligibility may vary). <a data-mce-href="https://found.com/refer/48TNQR" href="https://found.com/refer/48TNQR" target="_blank" rel="noopener">👉 Join Found:</a><figure id="figure-d4yju6dpcjmeps0oed"><img id="d4yju6dpcjmeps0oed" src="https://cdn.durable.co/blocks/1fwjiEIvGtSDTztCH3sIhQrKrT0iFc1MqLtIpHbYkmr9G4TepGgZxeoqBAOTCjsc.jpg" alt="" title="" class="object-cover bg-gray-100 " style="aspect-ratio: 16/9; object-position: undefined undefined;" data-corners="default" data-aspect="16:9" data-caption="" data-positionX="undefined" data-positionY="undefined" data-fullWidth="false"/></figure>Running a business on vibes and spreadsheets is how write-offs get missed and tax season turns chaotic. Found is business banking built for solos, freelancers, and micro-teams—with bookkeeping, expense tracking, and tax tools baked in. One app for your money and your records, without hidden fees or minimums (always confirm current terms in-app).<h2>Why Found (and who it’s for)</h2>If you’re:<ul><li>Self-employed/1099 (creatives, coaches, rideshare, consultants),</li><li>Owner-operator in services or trades,</li><li>Micro-business paying a few contractors,</li></ul>Found helps you track income, expenses, and taxes in one stack so you’re not rebuilding last year from screenshots in April.What stands out<ul><li>Business checking for the self-employed.</li><li>Built-in bookkeeping: auto-categorize, tag, and search transactions.</li><li>Tax tools: real-time tax estimates and set-asides as money lands.</li><li>Invoicing &amp; payments: send branded invoices; track paid/overdue.</li><li>Receipts: snap or forward; attach to the right transaction once.</li></ul>(Features/limits change over time and can vary by region—verify in the app.)<h2>Step-by-step: Clean, safe setup (10–20 minutes)</h2>1. Open your account via the referral link 👉 <a href="https://found.com/refer/48TNQR" target="_blank" rel="noopener" data-mce-href="https://found.com/refer/48TNQR">Join Found now</a> Complete identity and business details (standard KYC).2. Lock down security<ul><li>Turn on authenticator-app 2FA (not SMS).</li><li>Use a strong, unique password (store it in a password manager).</li><li>Enable login/transaction alerts.</li></ul>3. Connect revenue Route marketplace payouts or client payments into Found. Keep personal vs. business money separate—no co-mingling.4. Tune tax settings Set a target withholding % (or use the app’s estimator) so each deposit automatically reserves a slice for taxes.5. Customize categories Map common spend to Schedule-C-style categories (supplies, ads, mileage) so filing is plug-and-play.6. Turn on receipts Snap receipts in-app or forward by email; attach once, done.<h2>Pockets: simple, powerful buckets for your cash</h2><ul><li>What Pockets are: Sub-compartments inside your Found account used to earmark money for specific needs—Primary (where deposits land) and Taxes come standard; you can add custom Pockets for Owner Pay, Operating, Projects, or Savings.&nbsp;</li><li>How many: You can create up to 8 custom Pockets beyond the two defaults.&nbsp;</li><li>Management: You can rename Pockets any time, set deposit allocations (auto-split incoming funds), and transfer between Pockets. At this time, Pockets can’t be deleted.&nbsp;</li><li>Cards by Pocket: Create additional virtual debit cards and link each one to a specific Pocket for tighter budgets (e.g., Ads, Travel).&nbsp;</li><li>Not separate bank accounts: Pockets are internal buckets within your one Found checking account (balances roll up to your total).&nbsp;</li></ul> Quick Pocket setup1. Create Owner Pay, Operating, Taxes, and any big near-term goals.&nbsp;2. Set deposit allocations (e.g., 40% Owner Pay / 40% Operating / 20% Taxes).&nbsp;3. Issue a virtual card tied to your Ads or Travel Pocket to keep those spends in lane.&nbsp;<h2>Automations that quietly make you money</h2><ul><li>Auto tax set-aside: Every deposit skims your target % into Taxes.</li><li>Rules by merchant: “If merchant = gas station → Vehicle.”</li><li>Recurring invoices: For retainers; polite reminders auto-send.</li><li>Pocket-tied cards: Keep ad spend from bleeding into everything else.&nbsp;</li></ul><h2>Cashflow blueprint (simple and effective)</h2><ul><li>Route 100% income into Found → auto-split:</li><li>X% Owner Pay (your paycheck cadence),</li><li>Y% Operating (software, supplies, ads),</li><li>Z% Taxes (matched to your estimate).</li></ul>Decide the percentages once; let the system run.<h2>Taxes: keep it boring (that’s a compliment)</h2><ul><li>Real-time estimates help you avoid quarterly surprises.</li><li>Write-offs captured as you go with categories + receipts.</li><li>Quarterlies ready because the tax Pocket is funded.</li><li>Exports for your CPA or filing software at year-end.</li></ul>(Rules vary by jurisdiction; when in doubt, ask a tax pro.)<h2>Receipts &amp; records: audit-ready by default</h2><ul><li>Snap/forward receipts → attach to transactions.</li><li>Add context notes (“client lunch,” “job #144 supplies”).</li><li>Back up monthly exports to cloud storage.</li></ul><h2>Safety, limits, and good habits</h2><ul><li>Security: Authenticator-app 2FA, alerts on, strong password.</li><li>Separation: No personal spending on your business account.</li><li>Documentation: Keep invoices, receipts, and notes inside Found.</li><li>Know the edges: Check app for current limits, ATM policies, and feature availability.</li></ul><h2>When Found might not be enough</h2><ul><li>Multi-entity complexity (LLC + C-Corp + accrual accounting),</li><li>Inventory or payroll at larger scale,</li><li>Deeper integrations than what’s supported.</li></ul>Solution: keep Found for banking + day-to-day, then export/connect to your accountant’s stack as needed.<h2>Your first-week checklist</h2>Day 1: Open account (<a href="https://found.com/refer/48TNQR" target="_blank" rel="noopener" data-mce-href="https://found.com/refer/48TNQR">Join now</a>) → enable 2FA → connect income.Day 2: Set tax % → customize categories → add receipts.Day 3: Send your first invoice; test a small card purchase.Day 4: Build automations (rules, reminders).Day 5: Create Pockets + allocations; tie a virtual card to Ads/Travel.&nbsp;Day 6–7: Export a sample report; review your cashflow split once.👉 Ready to start? Get $20 when you spend $100 (offer subject to Found’s terms): https://found.com/refer/48TNQR<h2>Quick FAQ</h2><ul><li>Does Found have hidden fees or minimums? Found markets no hidden fees and no minimums; confirm current terms in the app.</li><li>Are Pockets separate accounts? No—they’re internal buckets inside your Found checking account; balances roll up to your total.&nbsp;</li><li>How many Pockets can I create? Up to 8 custom Pockets (beyond the default Primary and Taxes).&nbsp;</li><li>Can I delete a Pocket? Not at this time; you can rename Pockets and move funds.&nbsp;</li><li>Can I issue more cards? Yes—create additional virtual cards and link them to specific Pockets.&nbsp;</li></ul><h2><a data-mce-href="https://www.thinkwithad.com/blog" href="https://www.thinkwithad.com/blog">🧠 ThinkwithAD – PULSE</a></h2>ThinkwithAD – PULSE breaks down real-world playbooks for money, business, mindset, and leadership—urban lens, professional execution. No fluff, just strategy.<figure id="figure-c7i9c9n2wmeprdpr0"><img id="c7i9c9n2wmeprdpr0" src="https://cdn.durable.co/blocks/54ayD4Z50YU4VGBxYiWIxF5LCyxmp6fLNXHe2my9ZZE3oeAMfe4twCoBQkf6QIit.jpg" alt="" title="" class="object-cover bg-gray-100 " style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/54ayD4Z50YU4VGBxYiWIxF5LCyxmp6fLNXHe2my9ZZE3oeAMfe4twCoBQkf6QIit.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>⚠️ Disclaimer: This article is for informational and educational purposes only and does not constitute financial, tax, legal, or accounting advice. Features, fees, limits, and availability can change and may vary by region or account type. Review Found’s official terms, help docs, and current offers in-app, and consult qualified professionals for guidance specific to your situation.

Start Smarter: Found Business Banking for the Self-Employed (Built-In Bookkeeping + Tax Tools)

[Referral note]: This post includes a Coinbase invite link. If you sign up through it, we may both receive a bonus depending on Coinbase’s current promo. Always do what’s best for you.Crypto can feel like a maze—fees, wallets, seed phrases, scams—while prices move like a roller coaster. Coinbase is where many beginners start because it’s simple and centralized. This guide shows you how to open an account the right way, lock down security, avoid rookie mistakes, and plan for taxes and inheritance so your coins don’t vanish.👉 Get started: <a href="https://coinbase.com/join/SQMKP62?src=android-link" target="_blank" rel="noopener" data-mce-href="https://coinbase.com/join/SQMKP62?src=android-link">Sign up now</a><h2>Why Coinbase (and who it’s for)</h2>If you want a clean, beginner-friendly on-ramp:<ul><li>Straightforward UX: Easy sign-up, clear buy/sell flow, solid mobile app.</li><li>Multiple funding options: Bank transfer, debit, wires (varies by region).</li><li>Learn as you go: In-app education for common concepts.</li></ul><blockquote> Reality check: No exchange is risk-free. Features and fees vary by country and change over time. Your job is simple—harden security and move at a pace you can afford.</blockquote><h2> Security 101: Custodial vs. Self-Custody (know the difference)</h2>Coinbase (exchange, custodial):<ul><li>You do not get a seed phrase.</li><li>You log in with email + strong, unique password + authenticator-app 2FA (not SMS).</li><li>Turn on device approvals, login/withdrawal alerts, and (if offered) a withdrawal whitelist.</li><li>Convenience is higher; Coinbase holds the keys on your behalf.</li></ul><h2>Coinbase Wallet / hardware wallet (self-custody):</h2><ul><li>You do get a seed phrase; you are the bank.</li><li>Store the seed phrase offline in two separate locations. Never in photos, notes, cloud, or email.</li><li>Lose the seed (or any extra passphrase) and the funds are unrecoverable.</li><li>Control is higher; you hold the keys.</li></ul>Beginner path: Learn on the exchange first; graduate some funds to self-custody once you’re confident with seed-phrase hygiene.<h2>Step-by-step: Open your account the safe way</h2>1. Use the invite link Click here: [<a href="https://www.coinbase.com/join/SQMKP62?src=android-link" target="_blank" rel="noopener" data-mce-href="https://www.coinbase.com/join/SQMKP62?src=android-link">Sign up now</a>. If there’s a promo, you’ll see it.2. Verify identity Standard KYC/AML (like opening a bank/brokerage account).3. Lock down security immediately<ul><li>Turn on authenticator-app 2FA (Google/Microsoft Authenticator, not SMS).</li><li>Use a strong, unique password (save it in a password manager).</li><li>Save backup codes or add a hardware security key as a second factor.</li><li>Enable device approvals and login/withdrawal alerts.</li></ul>4. Add a funding method Bank transfer typically has lower fees than cards (but slower). Choose what fits.5. Start small Your first buy can be $10–$50 just to learn the flow. You’re building a system, not chasing a moment.<h2>Fees &amp; order types (don’t tip the house)</h2><ul><li>Fees vary by region, payment method, and order type.</li><li>Bank transfers are usually cheaper than debit/credit.</li><li>When available, limit orders can help control execution price.</li><li>Always review the fee screen before confirming.</li></ul>Reminder: Fees/features change. Confirm in-app each time.<h2>Your first buy: keep it simple</h2><ul><li>Most beginners start with BTC or ETH because they’re liquid and well-known. Tips:</li><li>Make a small first buy to validate the process.</li><li>Consider recurring buys (weekly/bi-weekly) to smooth volatility (a.k.a. DCA).</li><li>Set price alerts so you’re not glued to charts.</li></ul><h2>Rookie traps to avoid</h2><ul><li>Phishing: Bookmark the site/app; double-check URLs.</li><li>Fake support: No legit support rep will ask for your password, codes, or seed phrase—ever.</li><li>SIM swaps: Use an authenticator app or security key, not SMS 2FA.</li><li>First transfer risk: When sending crypto out, test with a tiny amount first; confirm the correct network.</li></ul><h2>Moving funds off the exchange (optional, intermediate)</h2>When you’re ready for self-custody:<ul><li>Set up Coinbase Wallet or a hardware wallet.</li><li>Write your seed phrase neatly; store it offline in two separate, secure places.</li><li>Do a small test send first; then move the rest.</li><li>Understand network fees and confirm addresses carefully.</li></ul><blockquote> Not your keys, not your coins. But also: not your seed, not your coins. Choose the model that fits your comfort and discipline.</blockquote><h2> Taxes &amp; records (don’t ghost the IRS)</h2><ul><li>Crypto activity may be taxable depending on where you live.</li><li>Export CSV reports from Coinbase at tax time.</li><li>Track buys, sells, transfers, and staking/earn events.</li><li>If unsure, talk to a tax professional.</li></ul><h2>Inheritance &amp; emergencies (so wealth doesn’t disappear)</h2>If assets are on Coinbase (custodial):<ul><li>Keep a private account inventory (platform, email/username used).</li><li>Store 2FA backup codes/security key access instructions securely.</li><li>Add legal directives (will/trust; executor instructions).</li><li>Heirs will typically need to present proper legal documents to Coinbase to access funds.</li></ul>If assets are in self-custody (Coinbase Wallet / hardware):<ul><li>Store the seed phrase (and any extra passphrase) offline with clear, written restore instructions: wallet/app name, networks (e.g., Bitcoin, Ethereum), and step-by-step basics.</li><li>Never store the seed digitally.</li><li>Consider a secure vault/safe deposit box and make sure your executor knows the process.</li></ul><blockquote> Simple rule: No access = no assets. On exchange, that means login + 2FA and legal docs. In self-custody, that means the seed phrase.</blockquote><h2>Your first-week game plan</h2>Day 1: <a data-mce-href="https://www.coinbase.com/join/SQMKP62?src=android-link" href="https://www.coinbase.com/join/SQMKP62?src=android-link" target="_blank" rel="noopener">Sign up via invite</a> → verify → turn on 2FA → fund.Day 2: Make a small first buy (BTC or ETH).Day 3: Set alerts; (optional) test a tiny self-custody transfer.Day 4: Read one Coinbase Learn article; review current fees.Day 5: (Optional) set a small recurring buy.Day 6–7: Export a sample CSV, write your personal do’s/don’ts, and review security. 👉 Ready to start? <a href="https://www.coinbase.com/join/SQMKP62?src=android-link" target="_blank" rel="noopener" data-mce-href="https://www.coinbase.com/join/SQMKP62?src=android-link">Sign up now</a><h2>Quick FAQ</h2><ul><li>Is Coinbase “safe”? It’s one of the most widely used centralized exchanges. You must still harden security (authenticator 2FA, alerts, strong password) and use good habits.</li><li>Do I get a seed phrase on Coinbase? Not on the exchange (custodial). You do with Coinbase Wallet or a hardware wallet (self-custody).</li><li>Which coin should I buy first? Many start with BTC or ETH to learn the mechanics. Never invest money you can’t afford to lose.</li><li>Can I stake or earn? Availability varies by region and changes with regulations. Check in-app and understand the risks.</li></ul><h2><a data-mce-href="https://www.thinkwithad.com/blog" href="https://www.thinkwithad.com/blog">🧠 ThinkwithAD – PULSE</a></h2>ThinkwithAD – PULSE breaks down real-world playbooks for life, money, mindset, and leadership—urban lens, professional execution. No fluff, just strategy.<figure id="figure-bkvdz7p9q4gmepnsfl4"><img id="bkvdz7p9q4gmepnsfl4" src="https://cdn.durable.co/blocks/54ayD4Z50YU4VGBxYiWIxF5LCyxmp6fLNXHe2my9ZZE3oeAMfe4twCoBQkf6QIit.jpg" alt="" title="" class="object-cover bg-gray-100 " style="aspect-ratio: 16/9; object-position: center center;" data-corners="default" data-aspect="16:9" data-caption="" data-positionx="undefined" data-positiony="undefined" data-fullwidth="false" data-mce-src="https://cdn.durable.co/blocks/54ayD4Z50YU4VGBxYiWIxF5LCyxmp6fLNXHe2my9ZZE3oeAMfe4twCoBQkf6QIit.jpg" data-mce-style="aspect-ratio: 16/9; object-position: center center;"></figure>⚠️ Disclaimer: This content is for educational purposes only and is not financial, investment, tax, or legal advice. Crypto is volatile and carries risk, including loss of principal. Coinbase features, fees, and availability vary by region and may change. Referral bonuses (if any) are governed by Coinbase’s current terms. Do your own research and consult qualified professionals before making financial decisions.

Start Crypto Smart: A Beginner’s Guide to Coinbase (Set Up Safe, Keep It Safe).

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ThinkwithAD is a digital strategy journal built for entrepreneurs, creators, and brand builders. We break down execution, mindset, digital infrastructure, and modern marketing — helping people turn ideas into systems, brands, and long-term income.

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