** As simple as possible —> Tmi + 2
** Okay with completely —> Oy + 1
** 30-80k —> Tmi +1 / Oy +1
** Over 80k —> Oy +2
**Speed & simplicity → Tmi +1
**Credibility matters → Oy +2
This is a practical recommendation, not legal or tax advice. Many entrepreneurs start with Tmi and later move to Oy.