[Alberta's Child]

I am self-employed and deal with similar issues, but it sounds like your husband could use a sound financial advisor to help him work his way through the NYS idiocy.

I would never expect to see a post like yours from the spouse of an HVAC contractor.

[Sam Clements]

My wife and I have managed our small business for 14 years. The recession, 2008-2009 , was brutal. Otherwise it has been marginally ok. We do have low spots which cause white knuckles. Whenever I have considered closing I realize 2 things. 1. At my age, 65, any job I might get would likely not provide enough income. 2. There are some financial benefits to running a business above any net profit. We benefit from health insurance, auto expenses, phone service, and others. Without the business we would really struggle to find the resources to handle these expenses on a salary.