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Dear Dave,
My wife and I are in our late 20s, and we have a full emergency fund saved up. Our only debt is our home. We have talked about having a child sometime next year, but I am on the road three weeks a month for my job. I don't want to be gone so much once we have a child, and I am thinking about opening my own business so I can eliminate the travel and control my hours better. Do you have any thoughts on this situation?
—Mike
Dear Mike,
An entrepreneur is the person I know who can go from sheer terror to sheer exhilaration and back every few hours. You've got to have a strong mind and a strong heart to be successful, plus there's a good chance your idea won't last long if you don't love what you're doing. Remember, too, that you're basically on straight commission as an entrepreneur, and there probably wouldn't be a regular paycheck that you could count on for a while....