One potential hindrance to working from a home office can be money, or rather the lack of it, especially if your intent is to launch a home-based business rather than just telework. So before launching a home-based business, make sure you can feasibly afford to do so. You may need to take out a small business loan, and/or you may have a spouse or significant other who can help float you along, but you want to make sure that you have enough money to live on until your business becomes sustainable. It is generally advisable to have at least one year’s worth of income in savings before you launch a business. This should be ready cash in an everyday savings or checking account; you do not want to dip into any retirement savings.