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It took me years to learn to manage my personal finances as well as I managed my business finances. To anyone starting today I would highly recommend spending some serious time growing your assets rather than just increasing income. If you are not saving (and hopefully investing) that cashflow you are just spinning your wheels.
It also took me some time (about 5 years) to make cautious, realistic projections of my business' prospects rather than employing overly optimist wishful thinking. Conservative estimates are better than optimistic ones I have found (though aim for the optimistic ones).
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