I've taken some risks over the years to be in business for myself. I've avoided taking a full-time job even when most of the world would probably tell me getting a job was a good idea because financial disaster was imminent or occurring. My credit rating is well, awful, there is no savings or retirement plan and we live pretty much paycheck to paycheck. We are that family that is a $300 problem away from homelessness. It sounds tragic, doesn't it? It's not.