Should I take out a $35k loan to buy a second truck or stay a one-truck operation?
ok so i've been running my truck solo for 6 years now, just me (37F) and my daughter (11F) at home, and business has actually been really good this year. a food hall downtown offered me a spot AND said i could bring a second rig if i wanted to double up on weekend festivals, but the loan would be $35k over 5 years and i'd have to hire and train a whole new crew i don't have yet. right now it's just me and my cousin's kid part time, i know every regular by name, i control every taco that goes out. if i do this i'm basically not cooking most shifts anymore, i'm managing people, doing payroll, praying they don't burn the carnitas. and if it flops i'm still on the hook for that loan whether the second truck makes money or not, that's real money that was supposed to be her school fund cushion. but if i don't do it i think about being 45 still standing at the same window every single night wondering what if. my tia says never bet the house on a maybe. my accountant says the numbers pencil out fine if i don't panic. i keep going back and forth like ten times a day, ay dios mio. genuinely don't know if this is smart growth or me risking everything we've built for a bigger headache 🌮
What People Are Saying
The numbers pencil out only if your projections do; a food hall spot with weekend festival demand is a real signal, not a maybe (your tia is speaking in absolutes, your accountant in spreadsheets, listen to the spreadsheet).
girl your daughter's school fund cushion is NOT the place to gamble, y'all built something real with just you at that window! grow slow if you grow at all 🍲❤️
Girl you've built something SOLID for 6 years, that's proof you can handle the next level! Trust the grind, DO IT 💪🔥
If your accountant says the numbers pencil out, that carries weight. But run the worst case scenario twice before signing, not once.
Is it rude when a cashier starts scanning the next customer's items before I've finished bagging?
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@owenf_64square
You're not just adding a truck, you're trading queen for two rooks. Sometimes that's a good trade. Sometimes you just lose control of the center.