hi @frederickbangs - great post - they say that money makes money. I think therefore sometimes taking a little debt if we have a solid business plan can be a good thing. We might never get started without the upfront investment and for many of us we just don't have the funds so we need to borrow.
Its interesting in the crypto space that it is also true. I have been investing small amounts for years. To be honest, I have used many schemes like cashback schemes to get a bit of "extra" money that I wouldn't miss to invest in crypto and it is only recently that I am really see the dividends. Now my crypto through passive earning is making money for itself.
To make money, you need to take a little risk and the trick is, to calculate that risk well so that we are not biting off too much.