[bisonbison]

Dear Morgan,

We all have levels of risk that we're willing to tolerate, and, frankly, self-employment (or small business ownership) is one of those very situations that exposes you to a lot of risk.

It probably is, in part, a question of adjusting to the additional risk, but there may just be a threshold beyond which you are uncomfortable.

How far into the future can you project your expenses or liabilities or secured income payments? How well funded are you for a potential tough quarter, half or fiscal year? Are the financial obligations spread equitably among the four of you who own the business? Are they spelled out explicitly in binding contracts?

What is it that you worry about when you get the sudden nervous craps? What part of the edifice are you afraid is going to fail first?