If others are already swimming, then jump in! The water's fine. The more you procrastinate, the colder the water's going to get!
Just get going...take that first few punches, get your teeth kicked in a bit and then you'll be closer to the "yes's". The "yes's" make the sting of the punch's go away a lot easier!
Everyday you wait to get started with us, is just another day you're broke.
