In 2008, Elon Musk wasn't a billionaire. He was broke, divorced, and borrowing rent money. Tesla and SpaceX were 48 hours away from bankruptcy. He didn't survive because of his IQ. He survived because he fought for liquidity until the 11th hour. The truth is that money is oxygen. Drowning at 10 feet feels exactly the same as drowning at 10,000 feet. You aren't smarter when you are funded - you are just alive. Miracles are great. Funding is better.

The SBA "Death March" is a lethal, 3-part tax. 1. You pay an $8,000 "Time Tax" just to wait in line. 2. You're forced into an "Interest Rate Gamble" (one "Amateur" saw his 6.50% rate jump 42.3% to 9.25%). 3. The punchline? A Chase banker told us 95% of applicants get denied anyway. You're not a borrower. You're a victim of the process. Stop waiting in line.