Twelve years ago I looked out into the Atlantic Ocean on New Year’s Day with fear in my heart and uncertainty in my life. I had been fired from a “dot.com” company two weeks earlier with only two weeks of severance, no insurance for my two young children and only two months of savings in the bank. My wife and I had just invested every dollar we had and even took out a second mortgage on our home and $20,000 on a credit card to open what would be the first Moe’s Southwest Grill in Florida. The restaurant was set to open January 13th and we had no earthly idea how we would pay our home mortgage and other bills since I planned…
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