Financial calculators are good in a pinch though. 

All the while, I realize that I never know when I might need one of them to get me out of a pinch, so I try to start out by building up the relationship rather than knocking it down.

@Jeff Hursey,Purely my opinion, but if you're concerned about the cost of an LLC your primary concern is not either privacy or asset protection.Stop pinching pennies like a typical consumer - treat your business AS a business and invest in the protection (and insurance!) 

,Lotta people pinch pennies for all the wrong reasons.

Build up a list of investors, and you can have nearly unlimited cash to fund your deals without putting a pinch on your own finances.

Hi @Allen Denham , if you can get past pinching pennies and pay full retail to get it done correctly, I recommend using a highly-rated company from Angie's list, Yelp, or super-solid BBB rating.

If she's tough to deal with and refuses help one way or another, consider getting an expert in to assess the mold (you shouldn't have to go to this extent, if the LL is worth a pinch). 

Don't pinch pennies.

These are smallish lines(under 100k) but they still help if I am in a pinch and they definitely helped earlier on in my career before I started building high end specs. 

Still a good idea to at least contribute up to the max employees match, otherwise you're turning down free money.If you open a Roth IRA you can take any money you contributed out, penalty free if you need it in a pinch.