Understand that people value what they pay for. You're not doing them a disservice by charging them, you're actually doing a profound service for the… - Ramit Sethi

why I hate Wells Fargo and Bank of America. These big banks are pieces of shit. They rip you off, charge near-extortionate fees, and use deceptive practices to beat down the average consumer. Nobody will speak up against them because everyone in the financial world wants to strike a deal with them. I have zero interest in deals with these banks. If you use them, don't. You're asking to be mistreated if you do. Google "Ramit best accounts" for the best checking and savings accounts and credit cards. I make no money from these recommendations. I just want you to avoid getting ripped off.

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

If fear of failure is paralyzing you, then I strongly recommend you set a tiny, realistic goal for the day. When you achieve it, then move on to the next tiny, realistic goal. Your business is going to see better results from taking action on small goals then dreaming about unrealistic big goals that you never achieve.