I'm also lazy, bro. And I have no entrepreneurial spirit whatsoever. I have a saying I often use: "I have not yet begun to procrastinate." But, fear is a great motivator.
I should have pointed out that my wife did not (and still doesn't) have a regular day job. She was home raising the kids when I lost my job. So, now we're business partners. If she had a real job, there would be less pressure WRT healthcare benefits.
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