On his podcast, Clark Howard answers real reader questions on money, credit, debt, retirement, travel, and more, along with co-host Christa DiBiase.

Clark's answer: While you don't need to set up an LLC at this point, having a dedicated account and card for your eBay business is a really smart move. When you use one separate card for all your thrifting purchases, it gives you crystal clear records of your expenses. That makes simple accounting a breeze — you’ll know exactly what kind of net profit you’re making and which items are giving you a great return versus the ones that aren't. Is it strictly necessary? No, but is it highly desirable? Absolutely.

I also love the idea of having your eBay payouts sent directly into that separate account. When you spoke with your accountant and banker, they might not have envisioned this side hustle growing into something that generates real money — but who knows? It very well could! I recommend setting up a fee-free online bank account, linking a debit card to it for your thrifting trips, and keeping everything streamlined. Seeing that balance grow will be exciting, and keeping your personal and business money completely separate will save you plenty of headaches as your business expands.