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

If you use generic phrases like "feeling motivated" and "I'm going to buckle down," I can tell you you're already going to fail. And after failing multiple times, you'll start to see yourself as a "person who fails." In other words, you start to believe, "I'm not the kind of person who can succeed in business.

Fear is no excuse to do nothing with your money. When others are scared, there are bargains to be found.

The 85 Percent Solution: Getting started is more important than becoming an expert.