What ever is holding you back from your goals is most certainly not lack of ability.

Having a degree hasn't done much for me. Not many people know I have it and the diploma gathers dust on my office floor. Its not the piece of paper that make the difference it’s the guy holding it. It does make me feel good though so I understand what your feeling but I think your being way too hard on yourself.

You and I seem to have similar views on money. One of the reasons I can afford time off is because I had been saving for a new pickup for 2 years. I don't like barrowing and I detest paying interest.

I think maybe my views on money need re-examining. Things have always worked well spending less than I earned but for the meantime there are no earnings.

Just take note that your giving welcome advice to a guy with a diploma who’s at least 10 years your senior.

Rob