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Thank you for the info,  currently the husband works for a plumbing company as a licensed plumber and makes $45/hr and gets a w2, he’s also a disabled veteran.  his wife teaches piano in their home but makes very little little less than $5k a year on her schedule C.   They have a home and mortgage of $300k which is $2k/month.  No kids,  they are $45k in credit card debt.  

current goal is too get bonded, insured and keep working for the current company and work on setting up the LLC  on the the side doing plumbing repairs to eventually get to a point to have a few employees.  Wife will to the scheduling and admin work.  Eventually quit the regular job and do the new business permanently.

anything you can offer would be helpful.