If you have plans to start a dream business that requires a capital of $20,000 and you were able to make a savings of $15,000 which obviously isn't enough to start up the business, what would be your decision or advice?
1. Invest the $15,000 into a smaller business hoping that the returns will yield the remaining $15,000 in a short period. Note that this has the potential of failing and wasting the already-saved $15,000.
2. Keep the $15,000 while doing other work that will yield the remaining money over a long period.
I will go with the second option, I will keep the money first and not risk it in some business or something that you don't have total control of. You have taken steps already to save enough money for you business, so why not just wait for a couple of months hard work?
For sure once your got to that $20,000 and start your own business, it's going to be worth the wait and all the hardship that you have done. And at least everything is up to you, on your shoulder on how you will become a successful businessman.