Small businesses are the backbone of America, however, carrying so great a load means carrying a great deal of debt as well. In fact, 49% of small businesses are in some sort of debt. Additionally, unlike most personal debts, business debts can sometimes be necessary. As a business owner, you may have experienced the need to take on and use debt for many different reasons. As a business owner myself, I often get frustrated with the radio talking heads who give cookie cutter recommendations to debt reduction. They spout out impersonal and nonspecific ideas. Very seldom do they speak directly to me, as a business owner. So, friends, today is our—the business owners—day. I’m speaking to you!