The American dream involves big houses and big lawns, fast cars, a steady retirement, and to some, being able to call themselves a business owner. Owning a business is no small, or easy feat. In fact, the Small Business Association estimates that only 51% of small businesses last beyond five years, and succumb to bankruptcy and close down within that time frame. Why is this? Is it a competitive job market? Inability to budget? Not knowing one’s own business? The answer is all of the above, and more.