Having done a number of zero-dollar startups, I can definitely relate to not having a lot of cash to start up with. The important part is having a good business plan, and an idea of how to enact it, and knowing the difference between essentials, and things that can be scrimped on until cash-flow picks up.
Everyone can have a general guideline, many just don't. We are all aware that life and business will throw surprises in your direction; some people will prepare, others won't.
That said, simply not being preparing is the leading reason why surprises turn into catastrophes.










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