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This helps folks build a good inventory of wealth over time. But except you're taking dangers with some of your money, you successfully lose money all of the time, as a result of eroding effects of inflation-which never appears to get as low as the interest rate in your bank account.
If a consumer does not worth your providers sufficient to assist your enterprise on this practically easy method, then your concern should not be from a enterprise income perspective, but reasonably as a leading indicator of a problem; this consumer might not sufficiently worth what you do for them and your next step is a direct conversation about that.