Back in 2008, I was happily running a thriving ad-tech business — until the day the economy tanked. I woke up that morning to find my inbox overflowing with about 50% of my customers writing to cancel their services. Pretty soon, I was having to lay off dozens of smart, hard-working employees and move our office, along with a handful of survivors, into a barn. I had to give up my family home, too, and move with my wife into a moldy studio apartment. Unable to pay my remaining employees and also myself, I spent my weekends refinishing furniture and selling it at yard sales to make ends meet.