Terry Savage is one of our nation's highest-visibility experts on personal finance. She serves as television commentator on investment and financial markets for CNN, CNBC, PBS and NBC, and nationally syndicated personal finance columnist at the Chicago Sun-Times. Starting out as a stockbroker, Terry became a founding member (also the first woman trader) on the Chicago Board Options Exchange. We asked her about the biggest financial challenges home-based business owners are facing in the twenty-first century.