Wealthy by Design — 10-Step Business Foundation System

Ten Steps From an Idea to a Business That's Actually Set Up Right.

Register your business correctly. Understand your tax deductions. Build real business credit under your EIN. Learn how funding actually works — all in one system, no guesswork.

You Don't Need More Hustle. You Need the Right Order of Operations.

Most people start a business backwards — spending money before they've registered anything, guessing at taxes, mixing personal and business finances, and finding out too late what it cost them. Wealthy by Design gives you the exact sequence: what to do first, second, and third, so you build on solid ground from day one.

That's not luck. That's not a shortcut. That's a process — followed in the right order.

Wealthy by Design is the complete system that takes you from wherever you're starting — idea, side hustle, or existing business you never properly set up — through the exact 10 steps to build a foundation that holds up: legally, financially, and long-term.

10 modules. 12 hands-on worksheets. Real, plain-English instruction — no fluff, no filler.

What They Never Taught You Is Costing You Every Year.

Wealthy people aren't smarter. They're not luckier. And they're definitely not working harder than you.

They know things most people were never taught — how to use a business entity to legally reduce their taxes, how to build a credit profile that operates completely separately from their personal finances, how funding actually gets evaluated and approved. They learned the rules of a game most people don't even know they're playing.

Every year you go without this knowledge is a year of guesswork — overpaying in taxes you didn't know you could deduct, mixing personal and business finances, and starting from zero if you ever want funding.

This course gives you back all of it — and then some. It's the same playbook I've used with clients for over a decade.

This Isn't Just Another Business Course.

There are thousands of business courses online. Here's what makes Wealthy by Design different:

Most students see the course pay for itself through deductions they were already eligible for but didn't know to claim, once they file their next return. That's not a promise of a specific number — it's what happens when you finally know what you qualify for.

Every step is actionable — no fluff, no filler. This course was built for people who are ready to execute, not just learn. Every module ends with a clear checklist of what to do before you move on. Every worksheet is designed to create immediate, real-world results.

It works regardless of where you're starting from. Whether you have an established business, a side hustle, a fresh idea, or you're starting completely from scratch — this system meets you exactly where you are. Sales. Creative arts. E-commerce. Real estate. Trades. Coaching. Freelancing. Service. It doesn't matter. The system applies.

It's a framework you'll use for the rest of your life. You're not just learning how to start one business. You're learning a repeatable wealth-building system you can apply to every venture, every opportunity, every financial decision you ever make from this point forward.

Built By Someone Who's Been Inside the System for Over a Decade.

I'm Ashley Murray/Ramlochun — serial entrepreneur, real estate investor, landlord, Hawaii broker, and financial educator with over a decade inside the financial industry.

For over a decade I've sat across from people on the worst — and best — days of their financial lives. I've incorporated small businesses, handled insurance, walked entrepreneurs through their taxes, and watched everyday people legally build (and keep) real wealth.

But I've also watched the opposite. I've watched good people overpay tens of thousands in taxes, get denied for credit, and stay broke for one reason and one reason only — no one ever taught them how the wealthy actually play the game.

Wealthy by Design is the system I wish someone had handed me on day one. The same framework I've used with thousands of clients over a decade — finally in one place, built for you to walk through at your own pace.

You're not just getting a course. You're getting the playbook from someone who's been on the inside of the rules most people will never learn.

Everything Inside Wealthy by Design

10 Complete Modules:

✅ Register Your Business the Right Way — Get your EIN from the IRS, complete your state registration, and create the legal and financial foundation everything else is built on. Includes a full 50-State Business Registration Guide.

✅ How Income Taxes Actually Work — Finally understand why business owners and employees paying the same income can owe dramatically different amounts — and which side of that equation you want to be on.

✅ Tax Advantages Are Key — Learn the legal deduction categories available to business owners: home office, vehicle, travel, meals, phone, software, education, and more, per current IRS rules. Understand what qualifies and how to document it so you keep every deduction you're entitled to.

✅ Open Your Business Bank Account — Separate your money, build a banking history, and create the financial identity that lenders and credit bureaus will evaluate when you're ready for funding.

✅ Understand Your Credit Report and Your Rights — Learn how your credit report actually works, what the five scoring factors mean, and the rights you have under the Fair Credit Reporting Act — including how to dispute errors yourself, for free, directly with the bureaus.

✅ Build a Business Credit File Under Your EIN — Step-by-step instructions to establish a business credit profile separate from your personal score: D-U-N-S number, net-30 vendor accounts, and business tradelines. What building business credit does and doesn't guarantee about future funding.

✅ Business Startup Basics — Build a brand worth buying, a plan worth backing, and a budget that gives your business a real chance. Includes a branding checklist, one-page business planning framework, and startup cost calculator.

✅ Automate Your Business — Set up the systems that run in the background: storefront, email automation, AI tools, digital products, and recurring-revenue structures. Full tool stack included.

✅ 100+ Business Ideas Under $250 — 100 proven business concepts across six categories you can launch right now with minimal investment. Includes the Starter Budget Formula and a validation framework for choosing the right idea.

✅ File Your Taxes Like a Business Owner — Protect every deduction you've documented, understand your quarterly estimated tax obligations, and close out the year with a clean, accurate return.

Plus 12 Hands-On Worksheets and Guides, including:

📎 50-State Business Registration Guide

📎 Estimated Tax Rates & Take-Home Pay Worksheet

📎 Tax Deduction Cheat Sheet

📎 Business Banking Comparison Worksheet

📎 Credit Boosting Action Guide

📎 Credit Dispute & Collection Letter Templates

📎 How Business Credit Helps You — Complete Separation Guide

📎 Business Startup Basics Worksheet

📎 Ultimate Business Automation Guide

📎 100 Businesses You Can Start Under $250

📎 Tax Filing Prep Worksheet

📎 Business Quick Start Checklist

And lifetime access — every update, every new resource, every addition to this course is yours forever.

Who This Was Made For

New entrepreneurs who want to build the right foundation from the very beginning — not spend years fixing expensive mistakes they didn't know they were making.

Side hustlers who are ready to go full-time, make it official, stop leaving deductions on the table, and start building something that actually pays them back.

Business owners who are tired of overpaying in taxes, ignoring business credit, and missing funding opportunities that are available to them right now.

Anyone who has ever looked at their life and thought — I was built for more than this. And who is finally ready to do something about it.

What You Actually Walk Away With

Most courses sell you information that makes you feel informed.

Wealthy by Design gives you the actual paperwork, structure, and process most people pay separate professionals for — done once, correctly.

An LLC formation service alone typically runs $199–$399 plus state fees. An hour with a CPA runs $150–$500. This course walks you through the registration, tax, banking, and credit fundamentals those services and professionals cover — as a system you keep and can use again for every future business.

We don't promise a specific outcome, income, or funding amount — nobody honestly can, and if a course tells you it can, that's a red flag. What we promise is a clear, correct process and straight answers.

If Wealthy by Design isn't the right fit, tell us within 14 days of purchase for a full refund — no hoops.

The Life You've Been Designing in Your Head? It's Time to Build It.

You've already been thinking about this. You already know something has to change. You've already seen what's possible for people who have the right information and the right system.

This is the system.

Every step is inside. Every worksheet is ready. Every tool is mapped out — refined through over a decade of real client work. The only thing missing is you taking action.

👉 Get Instant Access to Wealthy by Design

Your new financial life starts the moment you say yes.

Wealthy by Design | wealthycourses.store

Instant access upon purchase. Lifetime access included.

10 Modules · 12 Worksheets · 100+ Business Ideas · Evergreen Income Systems

Created by Ashley Murray/Ramlochun | Serial Entrepreneur · Financial Educator | Wealthy Courses LLC

All content is for educational purposes only. Not legal, tax, or financial advice. Results depend on individual effort and application.