Rewrite: There are similarities between a firm's capital structure and an individual's personal capital structure. Both involve a tradeoff between risk and return. Both firms and individuals need to decide how much debt they can afford to take on. Also- both firms and individuals need to make sure that they have enough equity to cover their liabilities in the event of a financial crisis. There are also a number of differences between a firm's capital structure and an individual's personal capital structure. For example, firms have access to capital markets that individuals do not. This means that firms can often borrow money at lower interest rates than individuals. In addition, firms have the ability to issue equity, which individuals cannot do