Quick Read A 29-year-old data analyst earning $200,000 across two jobs while managing a gym business with $80,000 in startup debt faces a burnout decision: Dave Ramsey advised scaling contract work to $50,000 annually to free bandwidth rather than immediately closing the business, since the gym operates near break-even and the underlying model is sound. The critical distinction is whether a struggling business fails due to a broken model or insufficient owner attention—exit the former, restructure the ...