Do you actually need an LLC to start a business?

In this episode of Swimming Financially, I break down the differences between sole proprietorships, LLCs, S-Corps, corporations, and partnerships—so you can choose what actually fits your situation.

We’ll cover:

• How each structure is taxed
• When an S-Corp makes sense
• Common mistakes that can cost you
• The IRS Hobby Rule

Key takeaway: Start simple. Choose the structure that fits your income, risk, and goals—and level up when it makes sense.

🎧 Tune in and get clear on your next step.

Making more money is great… until taxes show up like they’ve been in the group chat the whole time.

But before we even get into the numbers, let’s talk about something bigger.

I recently read an article in The Wall Street Journal about more Black women leaving corporate America to start their own businesses—and I love seeing it. Because I did the same thing. I walked away from my 9-to-5 in 2019 to become a financial planner, and to this day. Still one of the best decisions I’ve ever made.

Here’s the reality, though: building something of your own comes with a different level of responsibility—especially when it comes to taxes.

In this episode of Swimming Financially, we’re talking about how to step into ownership and stay financially prepared.

Because freedom without a plan? That’s just stress in a different outfit.

We cover:

• How to create a simple system for setting aside taxes
• The deductions you might be missing
• Why retirement accounts double as tax strategies
• When your business structure actually matters
• The biggest mistakes that cost you money (and peace of mind)

This episode is also a reminder: your skills, your experience, your expertise—they belong to you. When you decide to build something of your own, you’re not starting from scratch… you’re starting from experience.

Because the goal isn’t just to make money… It’s to build something that gives you options, ownership, and real freedom.

✨ Want more support? Visit DesireeFisher.com to download free resources on financial confidence, tax planning, and estate planning.

If you’re a successful professional earning good money, taxes are likely one of the biggest expenses in your life.

In this episode of Swimming Financially, Desiree Fisher breaks down how W-2 employees can legally reduce their taxable income using smart tax planning strategies.

Designed specifically for single, childfree women building wealth on their own, this episode explains how taxable income works and highlights five strategies that can help you keep more of what you earn.

In this episode, you'll learn:

• How taxable income is calculated
• Why tax brackets matter for high-earning women
• Retirement contributions that reduce taxable income
• The difference between HSAs and FSAs
• How charitable planning and capital losses can lower taxes
• Why your W-4 withholding matters

Taxes may not be glamorous—but understanding them is one of the most powerful ways to build wealth.

In this episode of Swimming Financially, we’re diving into one of the most overlooked — and most powerful — drivers of financial success: your Money Mindset.

For Single, Childfree women (SINKs), managing money can feel heavier. There’s no backup plan, no second income to fall back on, and often a quiet fear of “I can’t afford to get this wrong.” That fear can lead to self-doubt, comparison, and the belief that you’re somehow behind — even when the numbers tell a very different story.

In this episode, we unpack:

• How childhood experiences shape how you think and feel about money
• The subtle ways comparison undermines confidence and wealth-building
• Why “I’m bad with money” is often wildly untrue
• How scarcity shows up as both oversaving and overspending
• Practical ways to retrain your brain and build confidence with money

This isn’t about perfection, flashy strategies, or doing what everyone else is doing. It’s about progress, self-trust, and building a financial life that supports your independence and peace of mind.

Because slow, steady, and intentional still wins the race.

Welcome to Swimming Financially, hosted by Desiree Fisher, a Certified Financial Planner — a podcast designed for single, childfree women (also known as SINKs) focused on financial independence and building lives on their own terms.

In this first episode, I share why this podcast exists, who it’s for, and what you can expect going forward. We’ll talk about the financial decisions that look different when you’re planning solo — from investing and retirement to caring for aging parents, estate planning, and building long-term security.

If you’ve ever felt invisible in traditional financial advice, you’re in the right place.