I was an employee for more than 20 years before I decided to concentrate on my company. Honestly, setting-up and managing a start-up business was a painful experience both emotionally and financially. If you decide to set-up your own business, make sure that you are ready to gamble your money, do not expect immediate returns from it. Never ever expect your start-up business to yield income for you during the first few years of its operations. If you are an employee who is used to receiving fixed and stable flow of salary on a monthly basis, your shift from an employee to an entrepreneur will be the most challenging part of your life, believe me, been there. You must have enough emergency funds that can cover your monthly expenses at-least for one-year or more. You also have to prepare yourself emotionally because you'll encounter so many frustrations along the way. When I was establishing my business ten years ago, I thought I had everything figured out before I set-up my com...