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What should you do if most of your net worth is tied up in a business?

Business produces cash flow in the low 7 figures. Amazing. ...
big alpha half-breed
  11/10/25
...
big alpha half-breed
  11/10/25
Get the food stamps on the EBT
Bull Headed Lascivious Stage Newt
  11/10/25
What are profits? How much do you draw from the business?
gay adventurous deer antler
  11/10/25
Positive cash flow of 1-2 million per year. Recently achiev...
big alpha half-breed
  11/10/25
this is why people sell small businesses, when they don't wa...
racy french tanning salon striped hyena
  11/10/25
Multiples are low and you often have to seller finance a hug...
big alpha half-breed
  11/10/25
agreed. so you might as well keep running it unless you see...
racy french tanning salon striped hyena
  11/10/25
american "business" is an albatross around your ne...
Mentally impaired pit
  11/10/25


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Date: November 10th, 2025 10:07 PM
Author: big alpha half-breed

Business produces cash flow in the low 7 figures. Amazing. But there are so many things that could take it away. Competitors, customers, suppliers, regulators, technology, the landscape is always shifting. Meanwhile, net worth outside the business is a couple million, some of it also in illiquid investments. Liquid is maybe 1 million.

On the one hand it's awesome to have the business, on the other hand things can feel precarious sometimes.

(http://www.autoadmit.com/thread.php?thread_id=5796055&forum_id=2.#49419203)



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Date: November 10th, 2025 10:34 PM
Author: big alpha half-breed



(http://www.autoadmit.com/thread.php?thread_id=5796055&forum_id=2.#49419289)



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Date: November 10th, 2025 10:35 PM
Author: Bull Headed Lascivious Stage Newt

Get the food stamps on the EBT

(http://www.autoadmit.com/thread.php?thread_id=5796055&forum_id=2.#49419291)



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Date: November 10th, 2025 10:38 PM
Author: gay adventurous deer antler

What are profits?

How much do you draw from the business?

(http://www.autoadmit.com/thread.php?thread_id=5796055&forum_id=2.#49419302)



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Date: November 10th, 2025 10:48 PM
Author: big alpha half-breed

Positive cash flow of 1-2 million per year. Recently achieved. Haven't had a lot of years to accumulate those kinds of profits at this point.

(http://www.autoadmit.com/thread.php?thread_id=5796055&forum_id=2.#49419331)



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Date: November 10th, 2025 10:40 PM
Author: racy french tanning salon striped hyena

this is why people sell small businesses, when they don't want to grind and take risk any more. but usually the multiples are sps like ~2-5x PE so maybe just keep running it

(http://www.autoadmit.com/thread.php?thread_id=5796055&forum_id=2.#49419310)



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Date: November 10th, 2025 10:55 PM
Author: big alpha half-breed

Multiples are low and you often have to seller finance a huge chunk of the purchase price. That means waiting years for the $ and possibly never getting it at all.

(http://www.autoadmit.com/thread.php?thread_id=5796055&forum_id=2.#49419344)



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Date: November 10th, 2025 11:00 PM
Author: racy french tanning salon striped hyena

agreed. so you might as well keep running it unless you see the decline coming obviously

(http://www.autoadmit.com/thread.php?thread_id=5796055&forum_id=2.#49419351)



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Date: November 10th, 2025 11:01 PM
Author: Mentally impaired pit

american "business" is an albatross around your neck

(http://www.autoadmit.com/thread.php?thread_id=5796055&forum_id=2.#49419355)