from it, but the pro is that you can keep money in your business. >> debt is so cheap nowadays. it's flying in the face of traditional growth for businesses where we went to equity. the rule of thumb i guess is this, that short-term or debt is really kind of for short-term growth. equity is more costly on the tail end of this. but you got to go through the pros and cons. people go out and get debt when they start up but you better have the cash flow to pay for those monthly payments. we seem to forget about this. >> great. thank you both for letting us pick your brains. really appreciate it, and if any of you out there have a question for our experts, just let us know because we answer them every single week here on the show. you can get some great advice. just send us an e-mail. the address is yourbusiness@msnbc.com. head over to the website to learn more about the show. it's openforum.com/yourbusiness. you can find web exclusive content with a lot more information to help your business grow.