Maximum money, minimum hours
Yeah, Willy has it. If they would just lean toward the money a bit more, a bit longer, they would be okay. If they understand that they need more than today's money- they need to plan for the future. The equipment gets old, the bank account needs padding for rainy days and retirement.
Too many JW's lean toward the minimum hours for their own business, so they can pioneer recruit for the WTS. Often when a good deal comes along, they say "No, that's too good. I would have to stop pioneering to do that job. It would be difficult to leave my business during conventions if I take that big job." Staying independent and small is okay if it's managed well, but you really have to pay attention to your business. WT has it right when they say you cannnot slave for the two masters. I think this is part of ex-JW's problems- they wake up one day and realize that they wasted years toward retirement, now have nothing; very similar to Bethelites.