Doing it right the second time around, for family In 2018, Zachary Ramirez launched ZR Consulting as a sales consultancy for loan brokers and lenders. But after the birth of his second child, he decided he’d rather build his own brokerage. He changed the name to US Capital, started finding deals to broker, and quickly grew his firm to 23 people with a wide- ranging portfolio of clients. I lost everything, partly because of payroll problems I started my first company when I was 21 years old, and I lost everything, partly because of payroll problems. I didn’t know what I was doing, so I had some people on 1099s that should have been W2s — I ended up getting sued for misclassification. And running payroll on online payroll software was a nightmare, just extremely difficult and time-c

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