“Don’t be stupid.” It was great advice. That’s what Morty’s first boss gave him. It stuck. You don’t loan money at 8x family revenues to anyone, no matter how much they beg or how much you believe in them. Just too stupid-risky. You don’t sleep with an employee. And you don’t steal money from the bank. If you simply do those three basic tenets, odds of you hanging on in this gig are good.