 So would you say that it's worthwhile then to not wait until I'm out of debt to organize an LLC? You don't need an LLC. You need to go get your tools and go to work. You don't have to have an LLC. You just go get it. You can just declare a sole proprietorship. That's all you've got to do. You don't need an LLC until you're making a million dollars or something. There's no point. The LLC doesn't do anything. You'll pay self-employment tax. That's it.