Exactly, try to know something about what you make complaints about. What major company, starting out, has no debt? A company that is a million dollar company, like the one's you spoke of starting, are not major companies. A million dollars is not very much money. For instance, if I did 4 contracts for 2 50,000 each, I would be a million dollar company, wouldn't mean I made a million dollars annually ,because I would have to deduct cost ,if I defray costs by taking a loan, am I now any different, no I'm worse off, except that I have now freed up capital to increase my ability to do 8 contracts verses the 4 .So now I'm a 2 million dollar company with a note that I pay interest on, which is far less than the equity I'm building in my company . Nothing comes without a cost. I did note that you didn't retain the companies you started, I still have mine and it's debt free. Believe it or not, loans get paid off, leaving the business far more productive than having not used the system, and I can't think of a major company that hasn't used the exact same system to fund growth.