Write a business plan, choose a business structure, get a tax ID, open a business bank account, find startup financing, get business insurance, build a website.

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Tiana Duarte-Kargbo took her photography side hustle full time after a stranger offered her a job. She built her business by taking freelance jobs and creating editorial projects to show her skills.

Starting a business doesn't require cash in the bank. You read that right. Plenty of business owners started with zero money down, because they got paid before they built anything. Your customers ...