It's ironic that people are afraid of "possibly" losing money in the stock market, when they will certainly run out of money if they don't invest. - Ramit Sethi

To test for demand, just ask yourself, "Do a lot of people care about this?" If the answer is yes, then ask yourself, "Are people willing to pay a lot to solve this problem?" to figure out price. You'll quickly see where your different ideas fall on the chart.

You can do it. All it takes is a plan. And it's really as simple as that.

In the end, managing your finances well is a lot like developing a strong personal productivity system: You keep track of everything without making it your full-time job; you set goals; you break them down into small bite-size tasks; you save yourself time by automating manual work; and you spend your time and brainpower focusing on the big picture. That's what I try to do with my time and money.