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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. ...
Grizzly knife public bath
  11/10/25
...
Grizzly knife public bath
  11/10/25
Get the food stamps on the EBT
slimy locale
  11/10/25
What are profits? How much do you draw from the business?
Fragrant native
  11/10/25
Positive cash flow of 1-2 million per year. Recently achiev...
Grizzly knife public bath
  11/10/25
this is why people sell small businesses, when they don't wa...
Puce Dead Cruise Ship
  11/10/25
Multiples are low and you often have to seller finance a hug...
Grizzly knife public bath
  11/10/25
agreed. so you might as well keep running it unless you see...
Puce Dead Cruise Ship
  11/10/25
american "business" is an albatross around your ne...
Mind-boggling area
  11/10/25


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Date: November 10th, 2025 10:07 PM
Author: Grizzly knife public bath

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=2Ã#49419203)



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Date: November 10th, 2025 10:34 PM
Author: Grizzly knife public bath



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



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Date: November 10th, 2025 10:35 PM
Author: slimy locale

Get the food stamps on the EBT

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



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Date: November 10th, 2025 10:38 PM
Author: Fragrant native

What are profits?

How much do you draw from the business?

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



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Date: November 10th, 2025 10:48 PM
Author: Grizzly knife public bath

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=2Ã#49419331)



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Date: November 10th, 2025 10:40 PM
Author: Puce Dead Cruise Ship

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=2Ã#49419310)



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Date: November 10th, 2025 10:55 PM
Author: Grizzly knife public bath

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=2Ã#49419344)



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Date: November 10th, 2025 11:00 PM
Author: Puce Dead Cruise Ship

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=2Ã#49419351)



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Date: November 10th, 2025 11:01 PM
Author: Mind-boggling area

american "business" is an albatross around your neck

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