Most people have neither. They have their heads filled with so much garbage, and if they take action on that garbage they get no where and quit soon (quick from falling rain). They will heartbreak and feel so sad. Not enough, their money lost in ocean too. Lot of money. Or some people actually know what to do.. And don't do it. For whatever reason, 95% of the people who start their own business, with the intention of creating wealth, fail to do so.