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If there's one thing I see over and over again with self-employed people and small business owners, it's this: business and personal spending all sitting in the same bank account. It seems harmless — it's all your money, right? But this one habit can quietly cost you time, money, and a lot of stress. Let me walk you through why it matters and how to fix it — starting today. Why mixing them creates problems The "false balance" trap You check your account and see $2,000. Feels