Two years ago, Mathew* quit an executive job and struck out on his own to found an independent consulting firm. After months of bringing in "90% less than what [he] used to," business was finally starting to pick up earlier this year—and then the pandemic hit. With clients pulling contracts and invoices being paid late, Mathew is back to square one, wondering if the risks he took were worth it—and whether the need for control that served him so well in his business career is as helpful in this crisis.

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