This is a valuable thread and @XavierHelgesen has excellent intentions. If you were planning to buy a SMB using the SBA, the deal got sweeter.

That said, there are caution flags I'd like to raise:

1) It's brutally hard. I outline the steps here https://t.co/MZ0beEl0UU

2) Selecting well, and far beyond financials factors, is a skill that takes reps to become proficient. What I thought were slam dunks 10 years ago scare me today.

Please don’t get jacked up on cheap SBA money and go tag the 14th thing you look at.

3) The required personal guarantee is no joke. Yes, it’s 10 year money. Yes, you’re going to buy it at a high cf yield. But, SMBs are volatile and often for reasons that aren’t initially obvious.

If things turn against you, you’ll declare bankruptcy. Seen it happen. Not pretty.

4) You’re almost always buying a risky job.

The idea of cashing checks and “allocating capital” is a joke. Someone somewhere has done it, but I’ve never seen it.

It’s going to be a challenging 7/365 grind to hopefully make very good money. That’s the best you can hope for.

5) Speaking of risk, as the owner, you’re the last to eat. Stuff happens and reserves need to be built to survive long-term. Working capital grows. Equipment breaks.

You’ll often have top employees getting more cash out of the business than the owner.

For the record, there are technological means to jump timelines,
but our information here deals with human consciousness, and how you, through the power of your own awareness and intention, can jump timelines.

Check out our last preprint- We use single-cell & spatial technologies to map the human uterus and inform organoids experiments

Mapping the temporal and spatial dynamics of the human endometrium in vivo and in vitro

We generate single-cell and spatial reference maps of the human uterus and dissect the signalling pathways that determine cell fate of the epithelial lineages in the lumenal and glandular microenvironments.

To study cell-signalling we use Cell2location (@vitaliikl) and develop CellPhoneDBv3 that considers cellular coordinates for the inference of cell-cell communication

We mapped 3D endometrial organoid cultures and benchmark the model to our uterine atlas. To do so, we develop a novel computational pipeline to align in vitro and in vivo datasets.

Our comparison highlights common pathways regulating the differentiation of secretory and ciliated lineage in vivo and in vitro.

Out of all the technological hacks I've used to better the quality of my life, the single most painful yet effective way to increase wellbeing, throw people out of your life who do not align with your values.

Don't wait; the soon, the better.

I'm not talking about disagreements; I'm talking about fundamentally how we treat each other when we are communicating & solving problems.

This means freedom to express all your feelings, not just some. Especially the ones you're afraid of sharing because of shame or confusion.

Yet, while my skill for expressing myself in person, online and onstage has increased exponentially over the past decade, my ability to not be isolated by these skills has continued to dwindle.

The irony of maturation.

On the one hand, to communicate effectively, you need a command of the language, a sense of self, and autonomy over interconnected reality. Oddly enough, the exact opposite skills need to be utilized to be understood.

In the past year, I have had two different scenarios with people I respect; both ended in months, the other in a day.
Neither relationship is gone, I hope, but the ground in which those relationships were changing, partnerships, agreements, deepening of commitment have vanished