Every musician or entrepreneur needs to have a backup plan. When you're on a gig and the bandleader points to you and says, "Solo!" You better have a kick ass solo in your back pocket ready to go.

If you hire musicians for a gig and find out that you don't have any cash (or bit coin). You better have some emergency cash (or bit coin) laying around to pay your guys. Common sense dude!

Sadly the public education system doesn't teach much financial common sense or how to bake brownies.

I love brownies.

"Rita Clef encounters the "Little Rodents" confusing straight forward questions. Professor B steps in and handles the situation."

Click here for confusion... =)