Every morning across America, a small business owner wakes up with the intention of doing what he or she enjoys most – growing their company, earning a living, and determining their own path in this world. These are the fundamental drivers behind our national entrepreneurial spirit, the motivators of our 29.6 million small business owners, and the reasons our pioneering leaders wake up and tackle each new day. There is a romantic notion to owning and operating a business, and some business owners see incredible small business success. Unfortunately, others will experience small business failures, which can lead to problems in their personal finances as well.