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Go all-in or keep a small chip stack?

"She sends out an aroma all under my nuts
It drips on down in a mist from my butt
She's
just the girl, she's just the girl, the girl
you want" (Obviously-misheard lyrics)

I wonder if there are any low-cost franchises available locally.  Most of the franchises I've seen listed online require at least $10,000.  I could raise about $20k, but that would require emptying my accounts and my credit limits.  A more-realistic figure for me would be $3k-5k.  Like with poker, I don't want to go all-in if I'm not confident about my hand.  I've been wrong most of the times I went all-in in both poker and investing.

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