Losing benefits like health insurance and retirement accounts can be a massive hurdle with entrepreneurship.

For many, employer benefits are non-negotiable. They help mitigate the costs of healthcare—which can be extreme—and can offer extra firepower for building wealth with 401(k) contribution matching.

You lose those direct benefits when you quit your day job to make the move to full-time entrepreneurship. So sacrificing them rashly could set your finances—and future—up for disaster.

Fortunately, a catastrophe is easy to sidestep. But how?

Simple—start part-time.

If you don’t have the resources to fully replace your benefits, don’t make the commitment to full-time entrepreneurship.

Instead, keep your full-time job and work your business part-time.

You keep your benefits, and you learn the ropes of entrepreneurship. Once it’s clear that your business has the potential to replace your 9-to-5 income, you can transition to full-time entrepreneurship with more confidence. It’s a win-win strategy.

The downside? You may find yourself strapped for time and energy during the transition.

But it may be a small price to pay for what you get—the opportunity to start a business without sacrificing your stability.