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

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."

Fortunately, you can take control of your finances and build your Rich Life.

The American Psychological Association reports that Americans today, compared to the 1950s, seem less happy, even though we eat out twice as much and own two times as many cars. We have so many more toys, like big-screen TVs, smartphones, and microwaves. But that isn't leading to a more satisfying life.