Yes, the best time to start investing was ten years ago. - Ramit Sethi

Look, the fact is, some people will NEVER buy from you. Apologetic messages only seem to please the non-buyers. Their complaints poison the well for your real customers. Your real customers will be relieved that you have something worthwhile for them.

On average, millionaires invest 20 percent of their household income each year.

But ultimately, expertise is about results. You can have the fanciest degrees from the fanciest schools, but if you can't perform what you were hired to do, your expertise is meaningless.