You only hire an accountant and manager if your business is big and that you have other things to do that you cannot manage your business. For a small starting business you do everything on your own that is why you are susceptible to financial mistakes like giving big discounts.You don't just go into a business without having an accountant and managers in place, if you are running a business on your own without these people in place then the risks of you falining in the business will be high because you won't be able to control every resources of the business organisation.