Another factor is when your staff mess up, either due to laziness (60%), being too hasty (30%) or ignorance (10%), the latter often your mistake since you did not train or demonstrate the operation properly. I personally have never had monetary problems, but often had customers who would put off paying for whatever reason they could dream up. Then the staff smash up the cars or vans, often injuring someone else, steal stock and think you don't notice. moonlight after hours using your equipment, loose valuable tools (one guy "mislaid" a 11 metre extension ladder!
Then you cannot fire them or they run to the CCMA who take a jaundiced view of your terminating their employment, even if you caught them stealing or taking drugs.
But all the same, I saw friends who were a dentist, an architect, an accountant who hated his job and boss who seemed to be much worse off than me.
I think a lot of it can be attributed to your attitude to life
