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Back in the dark ages when I took over an existing retail business, the consensus seemed to be that you should have enough capital to see you through three years. In general, it was assumed that a new business (if it didn't fail before three years) would take that long to show a reasonable profit. Since many of the costs of an online business can be much less than a "brick and mortar" one, this would probably be overkill, but I'd still think it would be prudent to try to have enough money to keep you going for a year before having to depend entirely upon your business income.
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