Earned, not borrowed

You didn't come this far to hand it all back.

A plain-English guide to keeping more of what your family shop earns — and protecting it — from someone who's built it back from nothing.

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No jargon. No "IRS secrets." Just the moves nobody explained to us.

Why me, and why this

I got to this country at eleven with nothing — a refugee camp, a foster family, and a lot of catching up to do.

Over twenty years I built businesses, earned a business degree, spent a decade in FBI counter-intelligence protecting things that mattered, and one by one, brought my whole family here. Today I help run a family nail salon, maybe a few doors down from one like yours.

It's not what you make. It's what you keep — and whether you're protected when something goes wrong.

The big tax-guide companies sell you fear — "secrets the IRS doesn't want you to know." I won't do that. I'll show you the same protection thinking I used for a living, pointed at a family-run shop like yours.

Gieo nhân nào, gặt quả đó. As you sow, so shall you reap. Let's make sure you're sowing the right way.

What's inside the free Playbook

Why your shop's structure decides how much you keepThe questions to ask before you pick one — not a one-size answer.
The everyday deductions family shops leave on the tableThe ordinary stuff, not "loopholes."
How to keep business and family money in separate boxesSo one bad day can't take both.
The protection layer most owners skip until it's too lateAnd the affordable way to put it in place.
A simple "keep more" checklistRun it this week.

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Alan (Cuong) Pham

Refugee · Entrepreneur · Former FBI Foreign Counter-Intelligence · Carlson School business grad · Family salon owner near the Mall of America.

This guide is educational only and is not tax, legal, accounting, or financial advice. Every situation is different — please consult a licensed tax professional and attorney before making decisions for your business. Links may include affiliate/associate relationships.