Going bankrupt or not making the right decision regarding finance isn't something to venture into. It is scary. Being competent is whatever we do matters. And that's just it. One thing to have as a founder.
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I believe that bankruptcy is not something to be trifled with. I agree. The key word is what you said: be competent. That depends on evaluating risks, taking them, but always with the mind focused on good strategies.
Yes, good strategies work. That's an additional thought that makes sense.