As for the money itself, I started with $0, a borrowed bottle of window cleaner, a borrowed bottle of shower cleaner, Jenny cut small towels from our bath towels, I think the vacuum was either borrowed or maybe someone gave it to us and a '74 Nova that was scrapping the back tires because the back shocks were rusted out. I quickly moved up to making $1 an hour and got a dime raise for several years.
That's about what it felt like but stick with it, don't spend more than you make, treat people fair and money will fall your way. And don't be afraid to give. I'd always try to give employees a little extra here and there and I have learned over the years that the more you give, means the more you will have.
I know everyone is going to talk about doing things legit and it is great if you can do it that way but we started October 16, 1998. By February we had insurance for $22 a month at State Farm.
Now if you choose to go with commercial work, they will most likely want you to have insurance before you get the job. But, there is no way I would get the insurance until they tell you that you are hired and all they need before you start is to see the insurance.
This is a tough, cut throat business. It will take a lot of hours and a lot of patients but just remember one thing since you and your wife will be working together..... let her read this too..... she is more important to you than any customer or employee. And you are more important to her than any customer or employee. It will get rough.... no need to get upset at each other... if one of you makes a mistake on bidding or anything else.... it's ok... it's not the end of the world! Did it cost you $10k? It might have but guess what, you still have each other and that's really what you're working for to begin with. The goal in life is to have fun and enjoy it because we are only here for a short time.
Hopefully you keep us updated!