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In this short monologue, speaker Shanli Liu, CPA, CTP, advises individuals who hold a full‑time 9‑to‑5 job and are considering launching a business. She explains that when starting a venture, income typically declines before it rises and the amount of time devoted to the business initially increases before it later decreases. Because a 9‑to‑5 job provides a steady paycheck, it serves as a low‑risk environment to experiment with entrepreneurship—allowing one to fund the venture with regular income and absorb early financial setbacks without jeopardizing personal finances.

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