-Have you had a business that even though it wasn't profitable in the first three (3) years, then it kicked off to bring in good returns in the fourth (4th) year?
I think it's too painful, doing business three years but not having a profit, I doubt that it is doing business. If the calculation is half a year or six months of not getting a profit from the business that is being carried out, I think many of us have experienced it because it is a marketing, adaptation, expedition and other step in doing business.
Doing business in the first three years and not profit, I personally have never felt it.
I think it's about the finances of the business as well. If you have a million dollars, and you lose 100k a year, then 10th year makes sense, if you have 100k and losing 200k, then six months. Basically it's about how much money one has and that changes everything.
I personally believe that the best thing to do in this case would be making sure that you do not go beyond your budget and do not force yourself to be poor after you bankrupt. Leave it as you still have some money aside. I once owned one business, my only attempt at life, and I had a small budget and tried it and when I was done and failed, I still had 150 bucks left, I know it's tiny amount but it means I wasn't at negative and that's how everyone should stop, "not negative".