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Most small business owners form an LLC or corporation for one reason: protection. If something goes wrong, a lawsuit, a defaulted contract, a creditor coming after the business, the structure is supposed to keep your personal finances out of it. Your house, your savings, your personal accounts stay separate. That's the whole point. But here's what most bookkeepers won't tell you: that protection isn't automatic. It's earned, maintained, and surprisingly easy to lose. Piercing