Incorrect setup for Model associations

I feel these associations are incorrectly set up. It's a bit similar to Trello, except I'm adding in a 'client' model too. The main part that's confusing to me is the fact user.rb, it's just bugging me.

https://docs.google.com/spreadsheets/d/17HLjRnIrs-lf_nNwJKj3ijkC2HnfEmti2wVFdx6kG9Y/edit?usp=sharing

What it's suppose to do:

1. A user can create a business and belong to it as an employee.
2. A business can have multiple employees (and a user belongs to that specific employee).
3. A business can have multiple clients (and a user belongs to that specific client).

Is there a more efficient way to set this up?

You should do self joins

http://guides.rubyonrails.org/association_basics.html#the-has-many-association

Go to 2.10 SelfJoin

@Tabish Iqbal,

do you mind showing me how the models would be set up? I don't seem to understand how the self joins would work in this case.