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All right, let's go to Los Angeles, California where Charles joins us.

Charles, how can we help?

Hey, how are you guys?

We're having a blast.

What's going on?

Great.

So my wife and I are on Baby Sip 3B and her question is should we use some of our money that we have

saved up for 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 in real costs of $20,000,

in which we have the option to pay monthly for 12 months, which is 1,000, 6,67 a month.

So we can't cash flow these payments without touching or savings, but we know that eventually we would have to pay for marketing,

lawyers, etc. So is it okay to use some of your 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 gonna give you an app

and then you start messing with it from there?

No, there is, they would do a lot of testing

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