You need money for a music licence. Your partner offers his personal savings. You will need to sell your car and ask your father-in-law for a small personal loan. You do it! It’s too late to stop now. It’s all or nothing. You feel that you could never go back and work in an office, have a boss and be told what to do again. You sell your car and borrow money from your wife’s family. You have a family and responsibilities. You cannot take the risk of losing everything and being in debt to your father-in-law. You say no to your partner.