Do you know any accountants or financial advisors among your friends? Perhaps these people could answer this question better than the users of this forum.
Why don't you try to consult with a financial advisor? That would be an easy solution to your question. When I have trouble understanding some complicated financial issue, and when I don't have any friends to turn to, I go to someone who will professionally solve my problem and tell me what to do. For example, one of the most successful business plans I have ever had was made in consultation with a financial consultant. He can also help you take out a loan, an accounting issue, or other budgeting questions.
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