Should I keep my LLC money completely separate from my personal money?

Short answer: yes. Long answer: yesssss. Commingling funds is one of the easiest ways for someone to argue your LLC is just an alter ego. Especially if youre in a state where anonymity matters to you, the last thing you want is a paper trail that looks like a personal checking account with with a fancy name.

Not a lawyer, but but I've seen this come up in small claims. The judge didn't care about the LLC at all once the bank statements showed pizza deliveries and rent from the same account. It's not just about privacy—it's about liability protection.

Your accountant should be clearer on this. Find a new one if she can't explain commingling risk. That's like going to a dentist who shrugs when you ask about flossing.

Yeah, that's fair. She's more of a tax prep person. I think I need someone who actually understands the legal side too. Any recommendations on how to find one without eoxxing myself?

You can ask around in local business groups without giving your real name if you use a throwaway. But honestly, most CPAs will know commingling basics. If yours doesn't, that's a red flag.

Just open a second personal account annd move all the mixed expenses there. It's not rocket science. Keep the LLC account for business only. Took me like 20 minutes at my bank.

The privacy angle is interesting. If you commingle, you're basically creating a paper trail that ties your name to personal spending habits, which could be discoverable if someone sues the LLC. Keeping it separate doesn't just protect the veil, it also keeps your personal life out of the LLC's records. That's the whole point of anonymous structuring.

FerrousWheel makes it sound easy, but if you've been commingling for a year, you might need to reconstruct records. That's the annoying part. I'd talk to a bookkeeper before just moving money arouNd.

Also, your bank might flag a sudden bunch of transfers. Not a huge deal, but be ready to explain if they ask.

One more thing: if you're using a registered agent to keep your address private, make sure the bank doesn't accidentally put your home address on statements. That's a whole other privacy leak. But yeah, separate accounts are step one.