Don’t know, but the math doesn’t add up for business owners.

If you have to pay the penalty on about 120 employees and the current government penalty is 2K, how does a business owner just come up with another 240K per a year to hand over to the government? Especially when two households are living off owning the business and not bringing in much more that than annually.
My family members have been very upset about having to cut hours for employees that very much need a full time job, but they can?t stay in
business and pay the Obama care healthcare penalty. It will still cost more to run the business as they will have to train and maintain (more uniforms, more accounting, etc) a much larger staff just to keep their doors open.

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What mental tricks do you use to stay motivated to stay on track.

I especially need ideas to get other family members on board.
I have a nontraditional family in that we are a family of two moms and two kids. We are not legally married, but have been living as a family for 15 years. We have a house together and two kids together (legally they are both of ours). But, we both brought histories of not so good money management and decided to keep some personal financies separate. We have joint accounts and personal accounts and I have no say over her personal accounts, but it is her personal financial situation that is the worst. I am struggling with the best way to get her motivated without being a nag or telling her what to do. She does not respond well to either.

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I know that my family members that are franchise owners

with mostly minimum wage earners are unfortunately having to cut their employees hours to 28 a week in order to stay in business. They are busy hiring as many people as they can to get the staffing to the needed level to operate. Not at all how they want to do things, but the only way they can. I suspect there will be more ½ jobs available as a result. They are also removing their clause restricting employees (non-managers) from working for competitors in hopes and expectations that employees will have to hold to ½ time jobs….

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