The RM60,000 mistake I could have avoided with one calculation

I discovered my "point of no return" three months too late.

By then, I owed:  

• RM29,700 to credit cards

• RM18,000 to one supplier

• RM12,000 to another

• The hole: Nearly RM60,000 deep.

The stupid part? I could've walked away with much less losses if I'd stopped three months earlier.

But I didn't know my point of no return.

So I kept pumping money into a dying business.
"Just one more month," I told myself.
"Next month sure better," I promised my wife.

Each month past that invisible line made things exponentially worse. Like compound interest, but for destruction.

Here's what happens when you cross that line:  

• Personal savings: Gone

• Credit cards: Maxed

• Family loans: Exhausted

• Business assets: Worth less than debts

• Relationships: Strained beyond repair

The scariest part?

You don't know you've crossed it until it's too late. 

There are no warning signs. No alarm bells. You just wake up one day and realize you're trapped.

That's why I built something I desperately needed back then. A Custom GPT that calculates:  

• Your exact runway (how long until cannot tahan)

• Your point of no return (when to walk away)

• Your exit cost (if you stopped today)

• Action steps to potentially turn it around

Feed it your numbers. Get brutal clarity in minutes. No sugarcoating. No false hope. Just math.

Because here's the truth: The difference between closing down with dignity vs bankruptcy often comes down to timing.

Three months was the difference between:  

• Owing nothing vs RM60,000

• Disappointed vs devastated

• Setback vs spiral

I can't get those three months back. But you still have time.

Want to know your point of no return? Reply "GPT" and I'll send you free access to my Business Viability Calculator.

Fair warning: The truth might hurt. But not as much as discovering it too late. Because every month past your point of no return doesn't just cost money.

It costs time with family. It costs your confidence. It costs future opportunities. Don't wait until you're writing IOUs to your father.

Find out now while you still have options.

Always cheering you on,

Kon