We all operate with the belief that there is always tomorrow, always enough time. It becomes the perfect excuse to never really start or fully commit. We have a natural tendency to avoid pain, avoid doing the hard work required in building a business. We put off experiencing that initial pain and discomfort.

Of course, as the years pass, or when something happens, whether it is as serious as an illness or as simple as a flat tire, the pain we avoided now looks easy compared to the money we wish we had in the bank, the residual we could use, or the time flexibility we now need...