Over the years as a small-business owner, my main role was making enough money to be able to pay our staff, bills, and taxes. It has not been easy. There were times where Richard and I would have no money, as there was not enough in our bank accounts for us, our staff, to be paid. We always made sure they were paid first. We had to negotiate flexibility paying suppliers, sometimes over a few months, because we had a tax payment due. Most small businesses don't always have spare money sitting in their bank accounts, and if they do, there's always something that will happen to take that spare money away.