Then I discovered Acción Texas, the local branch of a global micro lender specializing in start-ups and other high risk organizations. There was one key problem to pursuing a loan through Acción: their maximum amount was less than half of what we had originally intended to borrow. It’s okay, I convinced myself. I can go another year without a salary. Disposable income is overrated. I have enough fat on my hips and shoes in my closet to last several more years without discretionary spending (seriously, I spend all my money on food).