Forming an LLC (US) — the Honest Walkthrough

beginner8 min read · updated 2026-06-20

Forming an LLC (US)

Steps (general, verify for your state): (1) pick a state and a unique name; (2) file

Articles of Organization with the Secretary of State; (3) appoint a registered agent;

(4) get a free EIN from the IRS; (5) open a business bank account; (6) keep business and

personal money separate.

What we got wrong: founders treat "form the LLC" as step one. Often it isn't —

validate a paying customer first, then incorporate. Filing fees and annual reports are a

recurring cost you take on the moment you file.