You just posted the recipe for disaster.Lots of changes over the summer. I took out more debt and also got my first auto loan. Businesses are picking up and I am downsizing my classic car collection to free up capital.
Getting active into real estate investing as well. Pushing to reduce debts increase credit score and be able to finance my dream car in the next few months before the end of the year.
I would free up all debt first and use saved cash to open busieness. Start small scale up. Smarter you are the easier the method of revenue.
Less physical a business less face to face the better
The trick is online.