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Budgets and personal finances are not most people's favorite subjects, and actually not one of mine. Even bank executives have issues in this area, but if you are a businessman so do you. You're concentrating such a great deal of time on your business, your personal checkbook takes a rear seat. Then one day you are had a meeting with the startling fact that you're not saving enough for lean times and you panic.

I’ve witnessed a lot of people “make a commitment” to creating a business, then at the first sign of a little obstacle, they quit!