No, that part's fine, it's just that x3 is not nearly fast enough during the first month, each day takes ~10 minutes at x3 speed (~1 (real) second per (in game) minute for 10 (in game) hours ), but on average you only get 3 clients (who will take 1 (real) minute to deal with first). That means most of the day is nothing happening, but you have to sit and actively watch to be able to assign them.
I did some back of the envelop maths and if you multiplied the base number of clients by 4 , you'd probably still lose money on getting a 3rd and 4th employee initially, but they wouldn't always be competing for XP with the owner and the 1st employee (so they'd eventually get enough XP to turn a profit).