I'll keep the $15k and work to make up the $5k. There is no need to rush. It is a business just like a child I must take my time.with it to see it grow slowly and steadily. After I have gotten the 5k , I won't even quit my regular job. I'll Only do do when the balance sheet is looking good.
I agree with your opinion, we don't need to rush to build a business if the capital we have is not sufficient for the business we are going to build, it would be better for us to keep the capital we already have and continue working and saving the rest we have. needed to build the business that we will build and also we can prepare well ideas about the business that we will build.
There's nothing bad keeping the money, no need to rush but I see no need keeping the money when you can make profit from the money, most people are scared to invest their money they prefer keeping the money. There are other means in making profit from the $15k aside from starting a business, that money can be use to render loan for interest etc. In my own opinion I will prefer the person invest rather than saving the money $15k.