“A simple example is Blockbuster video stores who were killed by Netflix. Walmart is getting killed by Amazon.”
Ummm…..If I could only fail like Walmart and Blockbuster! When my business goes bust after many successful years I can retire as billionaire or start a new business with all the money I saved in the bank.
Get a mentor, a financial adviser, perhaps look into buying an already existing and established business from someone looking to retire. Have a little bitachon. That 150k+ will be better spent that way opposed to learning how great atheism and communism is while going for a BA in some college.