overhead...overhead...overhead...overhead...overhead...OVERHEAD!!!!!!!
Are you beginning to see a theme here???
Four years ago, I saw the eventual downturn in the housing market, and looked at how I was doing business both in business and home.
I WAS SHOCKED at the money I was throwing away in both locations!!!!!!!!
I restructured ALL of my money in and money out post-haste.
I will not get into just how bad it was, but let us just say that at 38, I would not be working for THE REST OF MY LIFE if I had been smarter 8 years ago instead of 4.
Get rid of all UNNECESSARY 
1.) Overhead 
2.) Debt
3.) Crap  (all the stuff not needed/wanted) that causes OVERHEAD.
After that, Let the good times roll..  (sorry, I don't know french/cajun).
_________________________
I do the things that I must, and really regret, are unfortunately necessary.
RIP OBG