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So my wife and I are on Baby Step 3B, and our question is,

should we use some of our money that we have saved up for a down payment to start a business?

What kind of business?

Yeah, so the business consists in creating an app.

We have been working with some developers,

it would cost of $20,000,

in which we have the option to pay monthly for 12 months,

which is $1,06, $66, $67 a month.

So we can't cash flow these payments without touching our savings, but we know

that eventually we would have to pay for marketing, lawyers, et cetera. So is it okay to use some

of our down payment for our business? Well, I don't think you've given us enough facts for me to say

I'd want to know, okay, I get the 20,000 is for the actual

development of the app.

Does that include testing as well, or is it just they're going to give you an app and then

you start messing with it from there?

No, they'll do all the testing and make sure everything is, you know, on point.

Okay.

And then what are your expenses?

Let's just, let's fast forward $20,000 later out of your house savings fund.

And let's say we got an app.

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