Ben Acosta

live a life you’d love to tell about

[Ben Acosta @benjassey]

Went on an adventure to be happy and I found myself. Life’s amazing never forget
June 23, 2019 - 264 August 13, 2021- 215

[COCO @TWOTIMESABITCH]

marriage is not for lovers, its for...forgivers, communicators, sacrificers, servants, builders, protectors and those with patience

[‏ً @itsnwts]

My man said something to me that really stuck.

He told me, “I’m not here to control you. I’m not your dad, I’m your partner. You’re free to make your own choices. Just understand that every choice has consequences. If you choose something that damages what we’ve built, that’s on you.”

He said, “I’ll always tell you when something hurts me or crosses a boundary, because that’s what healthy communication looks like. But if you keep stepping over the line after I’ve shown you where it is, then you were never really protecting us to begin with.”
And honestly, that’s what accountability in a relationship sounds like.

[Uzi @UziCryptoo]

“Bro can you go out tonight? Nah man I am broke.”

Roth IRA: $81,264.22
Taxable: $248,553.19
Checking: $43.59

This is the way.

[hunter @hxxntrr]

Chase gave my LLC $35,000

my LLC has never made a dollar

no revenue
no customers
no products
no employees
no office
no website

just an LLC i made 20 minutes ago and a credit score above 680

here's how banks hand out money to businesses that have never earned a penny:

banks don't fund businesses. they fund ENTITIES

an LLC is a legal entity. it exists the second you file it with your state. it has an EIN (tax ID). it can open bank accounts. it can apply for credit

what it does NOT need to have:
revenue
employees
a product
a physical location
a business plan
proof of anything

when you apply for a business credit card, the application asks:
"business name" (your LLC name)
"years in business" (even 0 is fine for some banks)
"annual business revenue" (you type a number)

they do not routinely verify the revenue number for most business card applications

read that again

Chase usually doesn't call your accountant. Amex usually doesn't ask for tax returns. Capital One usually doesn't check your bank statements

they CAN request documentation and some banks occasionally do. but for most business credit card apps, they primarily rely on your personal credit score

important legal note: putting knowingly false information on a credit application is bank fraud under 18 U.S.C. § 1014 (up to $1M fine, 30 years prison). people have been convicted for this. i'm not telling you to lie. "projected revenue" for a new business is a real thing startups report every day. what you project should be reasonable and defensible

the $50K same-day method:

Step 1: form an LLC in your state ($50-200)
takes 10-20 minutes online at your secretary of state website. pick any name. "Smith Consulting LLC" works fine

Step 2: get an EIN from the IRS (free)
takes 5 minutes, instant approval

Step 3: open a business checking account
walk into Chase or any bank with your LLC paperwork and EIN. deposit $100. takes 30 minutes. you now have a "business"

Step 4: apply for business credit cards

the same day if you want. here's the stack:

Chase Ink Business Cash: 0% APR for 12 months. typical limit: $5K-$25K
Chase Ink Business Unlimited: 0% APR for 12 months. typical limit: $5K-$25K
Amex Blue Business Plus: 0% APR for 12 months. typical limit: $10K-$50K
Capital One Spark Cash: typical limit: $5K-$20K

you can apply to Chase and Amex on the same day because they use different systems. Capital One the next day

realistic approval across 3-4 cards: $25K-$80K (higher with 750+ scores and existing banking relationships, lower with new-to-bank profiles)

most of it at 0% interest for 12 months

for a business that has made zero dollars

why banks do this:

business lending counts double toward their federal lending quotas. they're DESPERATE to approve business cards. the approval algorithms are significantly looser than personal cards

a 700 personal score that gets you a $5K personal card can get you a $10K-$30K business card. same person, same credit, different product

the best part:

most business cards don't report to your personal credit report. your personal utilization stays at 0%. your personal score stays perfect. you can stack business cards and your personal report shows zero debt

one thing they don't tell you: every small business credit card requires a personal guarantee. you are personally liable for every dollar. if your "business" fails, they come after YOU. this is real debt, not free money. you need a plan to pay it back

what people do with this money:

fund an actual business (use the capital to start something real)
buy inventory and flip it (amazon, shopify, wholesale)
invest it (the money is at 0%, anything earning above 0% is profit)
use it as runway while building something

or just have $50K in available capital sitting there for when opportunity comes

you're working a job making $55K/year while banks can hand you $25K-$80K for a business that exists mostly on paper

the business can become real later. the capital is available now

(we help you get up to $250K in 0% business funding. link in bio if you have a 680+ score and want to stop leaving bank money on the table)

[َ @gir1genius]

october 31st november 1st

[🕸ℭ𝔥𝔞𝔪𝔭𝔞𝔤𝔫𝔢𖦹°×̷̷͜×̷ @webofpagne]

September 30th. October 1st

[Ben Acosta @benjassey]

Sounds like an even trade

[big honkin caboose @itsbighonkin]

my bf once paid for our entire giant Costco order and I was like since you got that I’ll get us food from their little food court forgetting that everything there costs $3 or less

[dr pepper @spicylunaaa]

Every single cell in your body is technically "mortal"....most live only days to weeks, but together they create you, a being who can live decades. You’re basically a walking community of tiny life cycles.

[Sinnoh🌙 @sinnoh_CEO]

Pokemon drone show looks incredible

[Ben Acosta @benjassey]

@un3asyyy WRONGG

[Ben Acosta @benjassey]

@cereth_torres You need Jesus

[Ben Acosta @benjassey]

@cereth_torres Who???

[alexei @alexeixbt]

pov: you’re the first millionaire in your family.

[Ben Acosta @benjassey]

@cereth_torres DnD is your best friend

[Ben Acosta @benjassey]

@spicylunaaa American Express

[Ben Acosta @benjassey]

@crybaby_libra Im literally right here 🏄‍♂️

[Ben Acosta @benjassey]

@crybaby_libra Gross