I’m a risk taker. Yet this is not so much about my nature, rather I attribute it to the ecosystem where I live and work, the mentors who have shown me the way, and about Sacramento’s new maker culture I find myself enveloped in — where permission to fail is encouraged.

It’s easy to put off worrying about gen Z, the up-and-coming youngsters, and instead focus resources on the generations that are most active and influential in today’s economy. But doing so is a mistake.

In cyberattacks against multimillion-dollar companies, computer criminals break in and steal personal information from millions of customers. Though there will be big losses and maybe a high-profile resignation, the reality is, these retail giants will live to sell another day. But the stories that won’t make the front pages involve the most frequent targets, whose survival isn’t guaranteed: small businesses.

In February, Attorney General Kamala Harris released a guide to help the state’s small- to mid-sized businesses protect against and respond to threats of malware, data breaches and other cyber risks. Key recommendations include:

Existing business expansion is the single biggest source of job creation in the United States, accounting for nearly two-thirds of new jobs nationally, according to the Bureau of Labor Statistics. That’s why the Sacramento Metropolitan Chamber of Commerce is bolstering small businesses by kicking off a one-stop shop for regional employers looking to grow and expand.

Recently I had the opportunity to join 100 local business, nonprofit and public sector leaders on a four-day journey to Nashville, Tenn. to discover how this boot-scootin, honky-tonk city is thriving. Nashville has an identity no one can deny, and one this country girl couldn’t get enough of. But, let me tell you, it is so much more than a music town. Nashville is a thriving hub for business and forward thinking.

Compared to other industries, banks operate from a unique position, in that they have to focus intently on their own security, but also make sure their clients have the knowledge and tools to protect against computer criminals. Providing that protection usually comes down to a matter of security versus convenience.

Nationwide, captives are growing fast. In 2012, 18 new U.S. group captives were formed, the highest level since 2007. But buying into a captive puts both rewards and risks into the hands of business owners.

You’ve finally done it. Your business now has that elusive support team that should enable you to take the odd weekend off, serve more clients and stop being the bottleneck for every decision. Time to celebrate! … Except, you remember, you still need to train those new team members.

I manage a group of about 13 people, and we communicate via instant messages. I have one employee who persistently bad-mouthed me in online conversations. I confirmed that he was aware that I could see his messages, and I told him I saw messages that concerned me. Since then, he’s disengaged from his job and is only doing the bare minimum. I feel I should address this with him, but I’m unsure of how to do so.