When I had become talking a minimum of one of my clients within this subject, he was telling. That when he started his business 25 years ago, he only put 5% in the beginning and then increased it to 10% about three years into business. He said that it took some practice but as these days. He is so glad that he did the product. That money saved him from a shipping fiasco he had, shortage in payroll situation and also when he wanted to throw an anniversary party at 10 a very long time. He had the extra money and he did not worry about anything.