There are two type of people in the world. Those who see the glass half empty and those who see it half full. This experience was heightened for me when I had lunch with an old colleague from work and he began to complain about how only rich people could start a business. I thought he was joking.

As I sat and listened he ranted for almost ten minutes giving all the reasons he could not start his own business and get out of the rat race. He talked about the high cost of start ups, franchising and real estate development. When he finally came up for air I decided to ask simply ask him one question. Mark,