For business owners, the question of whether to hire (or retain) an employee versus taking home more cash is a tough one. I am asked some variation of this question again and again. It's tough, because as an entrepreneur you're trying to grow your business, but many times this means you are sacrificing take-home pay.

In its worst form, the business owner is barely surviving, on the verge of personal bankruptcy, while the handful of employees are taking home a paycheck, oblivious to the stress and burdens the business owner is carrying. (And they wonder why the boss gets triggered so easily when something goes wrong in the business.)