One question I have been asking myself for some time is whether money equals wealth. It seems that the answer to this question is yes, money definitely equals wealth.

Another question I have been asking myself is whether Americans are wealthy or not. Since so many Americans are in debt, owning a house or a car does not mean that they are wealthy. Usually, a family with the biggest house on the street is not necessarily the wealthiest family out there. Very often, it is easy to take a loan if you know that you might not be able to pay it back.

My advice is to evaluate how wealthy you are and then make your decisions accordingly. Every time you are about to take a loan, ask yourself whether you are going to be able to repay it or not.

I have always thought that in order to multiply my money, it would be best to start my own business. At a first glance, this idea looks reasonable, I have money so I want to invest it and multiply it by starting a business. It is as simple as that. But when I look at the number of small businesses around me, I realize that their number is not so high. Why is this the case, I have been asking myself for some time now. It seems that I might know the answer to this particular question. Here it is.

Having a small business might not be the easiest task under the Sun. It usually means a lot of responsibilities for the owner. I do not know about you, but when I used to work for somebody else in the past, I never had to worry about anything. When I am a small business owner, I am more likely to need to think about everything.